NMI Holdings Inc through its subsidiaries provides private mortgage guaranty insurance. The company offers mortgage insurance, reinsurance on loans, and outsourced loan review services to mortgage loan originators. It serves national and regional mortgage banks, money center banks, credit unions, community banks, builder-owned mortgage lenders, Internet-sourced lenders, and other non-bank lenders. It protects lenders and investors from default-related losses on a portion of the unpaid principal balance of a covered mortgage.

Financial Strength

6/10

Name	Current	Vs Industry
Cash-To-Debt	0.24
Equity-to-Asset	0.66
Debt-to-Equity	0.21
Debt-to-EBITDA	0.87
Interest Coverage	13.81
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.33	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	7.9
	3-Year EBITDA Growth Rate	19.6
	3-Year EPS without NRI Growth Rate	20.6
	3-Year FCF Growth Rate	9.4
	3-Year Book Growth Rate	14
	Future 3-5Y EPS without NRI Growth Rate	6.7
	Future 3-5Y Total Revenue Growth Rate	7.72

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	80.92
	9-Day RSI	64.61
	14-Day RSI	58.3
	6-1 Month Momentum %	15.44
	12-1 Month Momentum %	39.8

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	1.7
	Shareholder Yield %	3.63

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	55.63
	FCF Margin %	57.57
	ROE %	18.33
	ROA %	11.89
	ROIC %	13.65
	Years of Profitability over Past 10-Year	8

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	8.1
	Forward PE Ratio	7.37
	PE Ratio without NRI	8.1
	Shiller PE Ratio	17.48
	Price-to-Owner-Earnings	8.19
	PEG Ratio	0.48
	PS Ratio	4.55
	PB Ratio	1.31
	Price-to-Tangible-Book	1.31
	Price-to-Free-Cash-Flow	7.83
	Price-to-Operating-Cash-Flow	7.62
	EV-to-EBIT	6.26
	EV-to-EBITDA	6.1
	EV-to-Revenue	4.81
	EV-to-Forward-Revenue	4.41
	EV-to-FCF	8.36
	Price-to-Projected-FCF	0.49
	Price-to-Median-PS-Value	0.85
	Price-to-Peter-Lynch-Fair-Value	0.5
	Price-to-Graham-Number	0.69
	Earnings Yield (Greenblatt) %	15.97
	FCF Yield %	13.3
	Forward Rate of Return (Yacktman) %	26.97

GF Value: $28.02

NMIH

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