NMI Holdings, Inc. (NMIH) Stock Score, Valuation & Financial Research
NMI Holdings, Inc. is in the Financial Services sector and Insurance - Specialty industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 73/100.
Quick answer for NMIH
NMI Holdings, Inc. currently has a Wall Street Score of 73/100. The stored market price is $44.12. Its financial score is 49/100. Its valuation score is 100/100. These figures are a research snapshot, not a buy or sell recommendation.
What NMI Holdings, Inc. does
NMI Holdings, Inc. is a company operating within the United States that offers private mortgage guaranty insurance. In addition to its core insurance products, the firm also delivers outsourced loan assessment services, specifically catering to mortgage loan originators. Its diverse client roster includes national and regional mortgage banks, prominent money center banks, credit unions, local community banks, builder-owned lenders, internet-based lending platforms, and other non-bank mortgage providers. The company commenced operations after its incorporation in 2011 and is based in Emeryville, California.
NMIH financial snapshot
- Wall Street Score:
- 73/100
- Current price:
- $44.12
- Market capitalization:
- $3.35B
- Revenue:
- $716.4M
- Net income:
- $385.7M
- Free cash flow:
- $412.5M
- Cash:
- $70.7M
- Total debt:
- $417.5M
- EPS:
- 5.01
- P/E ratio:
- 8.8x
- Financial score:
- 49/100
- Valuation score:
- 100/100
- Revenue score:
- 44/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $412.5M, showing positive cash generation.
- The balance sheet shows $70.7M of cash versus $417.5M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 49/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research NMIH
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
Learn how to analyze a stock · Read the Wall Street Score methodology · Browse other stocks
Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.