Symbols

NMIH

NMI Holdings·NASDAQ

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NMIH fundamentals

NMIH Q4 2025 Earnings

NMI Holdings (NMIH) released its earnings on Feb 10, 2026: revenue was 152.46M (YoY +6.23%), missed estimates; EPS was 1.2 (YoY +12.15%), beat estimates.

Revenue / YoY

152.46M

+6.23%

EPS / YoY

1.2

+12.15%

Report date

Feb 10, 2026

NMIH Earnings Call Summary for Q4,2025

Record financial results: 2025 net income up 8% to $388.9M, EPS of $4.92, and ROE of 16.2%.
Market leadership: Q4 NIW of $14.2B, insurance-in-force at $221.4B (5.4% YoY growth), and 1,700+ lender accounts.
Reinsurance strength: 2028 forward-flow coverage at 4% cost, with improved terms and $3.5B PMIERs assets.
AI-driven efficiency: Streamlined operations across 9 departments, maintaining smallest MI sector headcount.
Share buybacks: $31M repurchased in Q4, $349M total since 2022, with $226M remaining.
2026 outlook: Stable core yields, balanced market, and focus on risk discipline amid macro resilience.

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Revenue & Expenses

Key Indicators

NMI Holdings (NMIH) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

NMI Holdings (NMIH)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

NMI Holdings (NMIH)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Cash Flow

NMI Holdings (NMIH)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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