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NMI Holdings (NMIH)
NASDAQ:NMIH
Earnings Data
Report Date
Feb 17, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
1.18Last Year’s EPS
1.07Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call for National MI in the third quarter of 2025 reflected strong financial performance and growth, with record revenues and a robust insured portfolio. However, challenges such as increased claims expenses and potential macroeconomic risks were noted. Overall, the positive aspects of strong operational performance and efficient cost management outweighed the challenges discussed.Company Guidance
Record Revenue and Growth
Total revenue for the third quarter was a record $178.7 million, with GAAP net income reaching $96 million or $1.22 per diluted share, and a 15.6% return on equity.
Strong Primary Insurance-in-Force
Primary insurance-in-force grew to a record $218.4 billion, up 2% from the second quarter and 5% compared to the third quarter of 2024.
High Persistency Rate
12-month persistency was 83.9% in the third quarter compared to 84.1% in the second quarter, indicating strong retention in the insured portfolio.
Efficient Cost Management
Underwriting and operating expenses were $29.2 million, with a record low expense ratio of 19.3%, demonstrating significant operating leverage and cost management efficiency.
Share Repurchase Program
Repurchased $24.6 million of common stock, retiring 628,000 shares at an average price of $39.13, with $256 million of repurchase capacity remaining.
NMIH Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
NMIH Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Nov 04, 2025 | $37.52 | $36.83 | -1.84% |
Jul 29, 2025 | $37.96 | $37.37 | -1.55% |
Apr 29, 2025 | $33.64 | $36.17 | +7.52% |
Feb 06, 2025 | $38.80 | $36.95 | -4.77% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does NMI Holdings (NMIH) report earnings?
NMI Holdings (NMIH) is schdueled to report earning on Feb 17, 2026, After Close (Confirmed).
What is NMI Holdings (NMIH) earnings time?
NMI Holdings (NMIH) earnings time is at Feb 17, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is NMIH EPS forecast?
NMIH EPS forecast for the fiscal quarter 2025 (Q4) is 1.18.