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STOCKS

NMI Holdings (NMIH)

NASDAQ:NMIH

NMIH

NMI Holdings

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NMI Holdings (NMIH) Ratios

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433 Followers

NMI Holdings Ratios

NMIH's free cash flow for Q2 2025 was $0.92. For the 2025 fiscal year, NMIH's free cash flow was decreased by $ and operating cash flow was $0.75. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.52	38.14	9.36	25.37	25.53
Quick Ratio	0.52	38.14	12.84	29.03	29.30
Cash Ratio	0.26	38.14	0.18	0.83	1.55
Solvency Ratio	0.33	0.33	0.34	0.43	0.36
Operating Cash Flow Ratio	1.22	137.07	1.37	3.69	3.24
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -1.00B	$ -919.15M	$ 1.24B	$ 1.68B	$ 1.49B
Leverage Ratios
Debt-to-Assets Ratio	0.12	0.14	0.16	0.16	0.18
Debt-to-Equity Ratio	0.17	0.21	0.25	0.25	0.29
Debt-to-Capital Ratio	0.15	0.17	0.20	0.20	0.22
Long-Term Debt-to-Capital Ratio	0.15	0.17	0.20	0.20	0.22
Financial Leverage Ratio	1.48	1.53	1.56	1.57	1.58
Debt Service Coverage Ratio	14.51	11.36	10.48	8.62	8.44
Interest Coverage Ratio	17.58	12.81	12.39	9.27	8.81
Debt to Market Cap	0.14	0.16	0.22	0.21	0.22
Interest Debt Per Share	5.70	5.22	5.04	4.98	5.35
Net Debt to EBITDA	0.64	0.66	0.84	0.95	1.08
Profitability Margins
Gross Profit Margin	97.36%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	75.57%	76.84%	78.07%	67.65%	55.59%
EBITDA Margin	76.44%	78.83%	80.34%	69.96%	57.87%
Operating Profit Margin	73.48%	71.28%	75.96%	60.69%	49.25%
Pretax Profit Margin	71.39%	71.28%	71.94%	61.10%	50.00%
Net Profit Margin	55.57%	55.63%	55.85%	47.59%	39.33%
Continuous Operations Profit Margin	55.57%	55.63%	55.85%	47.59%	39.33%
Net Income Per EBT	77.85%	78.05%	77.63%	77.89%	78.66%
EBT Per EBIT	97.15%	100.00%	94.71%	100.67%	101.53%
Return on Assets (ROA)	10.52%	10.95%	11.64%	9.43%	7.92%
Return on Equity (ROE)	16.50%	16.72%	18.15%	14.76%	12.53%
Return on Capital Employed (ROCE)	15.28%	14.05%	17.42%	12.48%	10.29%
Return on Invested Capital (ROIC)	-257.66%	10.96%	16.12%	5.36%	4.49%
Return on Tangible Assets	10.53%	11.21%	11.81%	9.57%	8.04%
Earnings Yield	12.35%	13.17%	16.50%	12.35%	9.71%
Efficiency Ratios
Receivables Turnover	5.84	0.00	5.75	6.02	6.47
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	14.71	39.61	37.20	34.83
Asset Turnover	0.19	0.20	0.21	0.20	0.20
Working Capital Turnover Ratio	-4.27	8.73	0.26	0.24	0.28
Cash Conversion Cycle	62.49	0.00	63.52	60.64	56.39
Days of Sales Outstanding	62.49	0.00	63.52	60.64	56.39
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	62.49	0.00	63.52	60.64	56.39
Cash Flow Ratios
Operating Cash Flow Per Share	5.05	4.16	3.69	3.80	3.24
Free Cash Flow Per Share	5.06	4.04	3.57	3.66	3.08
CapEx Per Share	0.01	0.11	0.12	0.14	0.16
Free Cash Flow to Operating Cash Flow	1.00	0.97	0.97	0.96	0.95
Dividend Paid and CapEx Coverage Ratio	426.60	36.56	29.64	26.62	20.77
Capital Expenditure Coverage Ratio	426.60	36.56	29.64	26.62	20.77
Operating Cash Flow Coverage Ratio	0.95	0.86	0.79	0.83	0.64
Operating Cash Flow to Sales Ratio	0.58	0.59	0.60	0.67	0.58
Free Cash Flow Yield	12.97%	13.63%	17.06%	16.76%	13.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.10	7.59	6.06	8.09	10.30
Price-to-Sales (P/S) Ratio	4.48	4.22	3.38	3.85	4.05
Price-to-Book (P/B) Ratio	1.26	1.27	1.10	1.19	1.29
Price-to-Free Cash Flow (P/FCF) Ratio	7.71	7.34	5.86	5.97	7.35
Price-to-Operating Cash Flow Ratio	7.77	7.14	5.66	5.74	7.00
Price-to-Earnings Growth (PEG) Ratio	4.78	0.57	0.22	0.36	-0.77
Price-to-Fair Value	1.26	1.27	1.10	1.19	1.29
Enterprise Value Multiple	6.50	6.02	5.05	6.45	8.08
Enterprise Value	3.38B	2.75B	2.13B	2.19B	2.04B
EV to EBITDA	6.50	6.02	5.05	6.45	8.08
EV to Sales	4.97	4.75	4.06	4.51	4.67
EV to Free Cash Flow	8.55	8.24	7.03	6.99	8.48
EV to Operating Cash Flow	8.57	8.02	6.79	6.73	8.07
Tangible Book Value Per Share	30.99	22.56	18.55	21.64	20.82
Shareholders’ Equity Per Share	31.03	23.37	19.00	18.29	17.55
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.22	0.22	0.21
Revenue Per Share	8.71	7.03	6.18	5.67	5.59
Net Income Per Share	4.84	3.91	3.45	2.70	2.20
Tax Burden	0.78	0.78	0.78	0.78	0.79
Interest Burden	0.94	0.93	0.92	0.90	0.90
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.00	0.00	0.00
Stock-Based Compensation to Revenue	0.03	0.03	0.03	0.03	0.03
Income Quality	1.04	1.06	1.07	1.41	1.47

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