NMIH:NSD-NMI Holdings Inc (USD)

EQUITY | Insurance - Specialty | NASDAQ Global Market

Last Closing

USD 33.61

Change

+0.09 (+0.27)%

Market Cap

USD 0.51B

Volume

0.31M

Analyst Target

USD 22.25
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

NMI Holdings Inc through its subsidiaries provides private mortgage guaranty insurance. The Company offers two types of mortgage insurance; Primary mortgage insurance and Pool insurance.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2024-05-15 )

Largest Industry Peers for Insurance - Specialty

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AMSF AMERISAFE Inc

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TIPT Tiptree Inc

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ITIC Investors Title Company

+3.29 (+1.41%)

USD 0.44B
JRVR James River Group Holdings Ltd

N/A

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ICCH ICC Holdings Inc

N/A

USD 0.07B

ETFs Containing NMIH

N/A

Market Performance

  Market Performance vs. Industry/Classification (Insurance - Specialty) Market Performance vs. Exchange (NASDAQ Global Market)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 13.24% 100% F 77% C+
Dividend Return N/A N/A N/A N/A N/A
Total Return 13.24% 100% F 76% C+
Trailing 12 Months  
Capital Gain 35.41% 88% B+ 82% B
Dividend Return N/A N/A N/A N/A N/A
Total Return 35.41% 75% C 82% B
Trailing 5 Years  
Capital Gain 23.38% 75% C 65% D
Dividend Return N/A N/A N/A N/A N/A
Total Return 23.38% 63% D 60% D-
Average Annual (5 Year Horizon)  
Capital Gain 8.25% 63% D 67% D+
Dividend Return 8.25% 50% F 64% D
Total Return N/A N/A N/A N/A N/A
Risk Return Profile  
Volatility (Standard Deviation) 34.69% 50% F 53% F
Risk Adjusted Return 23.77% 38% F 60% D-
Market Capitalization 0.51B 88% B+ 83% B

Key Financial Ratios

  Ratio vs. Industry/Classification (Insurance - Specialty) Ratio vs. Market (NASDAQ Global Market)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 8.40 75% 76%
Price/Book Ratio 1.25 50% 63%
Price / Cash Flow Ratio 7.95 63% 30%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 18.27% 88% 88%
Return on Invested Capital 16.35% 75% 85%
Return on Assets 10.27% 100% 95%
Debt to Equity Ratio 20.64% 83% 59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than its peers, placing it in the top quartile.

Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.