NMI Holdings, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from NMI Holdings, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Net Worth Ratio: Of every $100 of net worth, $100 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 97% of Financial Services companies in United States.
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 94% of Financial Services companies in United States.
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 93% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 94% of Financial Services companies in United States.
Growth Efficiency Ratio
$53Sales grew 35% in 3 years; of every extra $100 of sales, $53 became extra profit.
Higher than 78% of Financial Services companies in United States.
Asset Productivity Ratio
+35% / +53%In 3 years sales changed by +35% while total assets changed by +53%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 93% of Financial Services companies in United States.
Tangible Net Worth Ratio
100%Of every $100 of net worth, $100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 97% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
NMI Holdings, Inc. owes $0.32 for every $1 it owns. Net profit rose 8% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
8.2Investors pay $8.2 for every $1 of NMI Holdings, Inc.'s yearly profit, lower than 87% of Financial Services companies in United States.
P/B ratio
1.15The share price is 1.15 times NMI Holdings, Inc.'s book value per share, lower than 60% of Financial Services companies in United States.
Market cap
$3.1 BThe total market value of all of NMI Holdings, Inc.'s shares at today's price (share price × number of shares), larger than 73% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$2.7 BWhat NMI Holdings, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$35.96Net worth divided by the number of shares. The share price of $41.49 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
15.4%NMI Holdings, Inc. earned 15.4% on its shareholders' money over the last year, higher than 76% of Financial Services companies in United States.
Owes vs Owns
0.32×NMI Holdings, Inc. owes $0.32 for every $1 it owns (low), lower than 79% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneNMI Holdings, Inc. does not currently pay a dividend.
Revenue growth
+9%Revenue rose 9% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Profit growth
+8%Net profit rose 8% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Profit margin
55.1%NMI Holdings, Inc. keeps $55 of every $100 of revenue as net profit.
Questions
What is NMI Holdings, Inc.'s P/E ratio?
Investors pay $8.2 for every $1 of NMI Holdings, Inc.'s yearly profit, lower than 87% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For NMI Holdings, Inc.: $3.1 B ÷ $2.7 B (30 Jun 2026) = 1.2.
What is NMI Holdings, Inc.'s return on equity?
NMI Holdings, Inc. earned 15.4% on its shareholders' money over the last year, higher than 76% of Financial Services companies in United States.
How much does NMI Holdings, Inc. owe compared with what it owns?
NMI Holdings, Inc. owes $0.32 for every $1 it owns (low), lower than 79% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does NMI Holdings, Inc. pay a dividend?
No. NMI Holdings, Inc. does not currently pay a dividend.
Is NMI Holdings, Inc.'s revenue growing?
Revenue rose 9% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.