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NMI Holdings Inc (NMIH)
NASDAQ:NMIH
US Market
NMIH
NMI Holdings
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NMI Holdings (NMIH) Ratios

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NMI Holdings Ratios

NMIH's free cash flow for Q2 2026 was $0.93. For the 2026 fiscal year, NMIH's free cash flow was decreased by $ and operating cash flow was $0.77. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.54 1.90 3.48 38.14 16.90
Quick Ratio
 0.54 1.90 3.48 38.14 16.90
Cash Ratio
 0.20 0.08 3.48 38.14 16.90
Solvency Ratio
 0.31 0.32 0.33 0.33 0.34
Operating Cash Flow Ratio
 1.26 0.80 25.23 137.07 125.36
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -1.10B$ -248.40M$ -1.08B$ -919.15M$ -860.05M
Leverage Ratios
Debt-to-Assets Ratio
 0.10 0.11 0.12 0.14 0.16
Debt-to-Equity Ratio
 0.15 0.16 0.19 0.21 0.25
Debt-to-Capital Ratio
 0.13 0.14 0.16 0.17 0.20
Long-Term Debt-to-Capital Ratio
 0.13 0.14 0.16 0.17 0.20
Financial Leverage Ratio
 1.48 1.48 1.51 1.53 1.56
Debt Service Coverage Ratio
 15.16 15.05 11.08 11.36 10.48
Interest Coverage Ratio
 19.58 17.55 12.56 12.81 11.73
Debt to Market Cap
 0.12 0.13 0.14 0.16 0.22
Interest Debt Per Share
 5.88 5.74 5.66 5.22 5.04
Net Debt to EBITDA
 0.64 0.69 0.70 0.66 0.84
Profitability Margins
Gross Profit Margin
89.91%91.83%95.04%95.96%100.48%
EBIT Margin
73.26%74.87%76.86%76.84%78.07%
EBITDA Margin
74.36%76.47%78.69%78.83%80.34%
Operating Profit Margin
76.34%70.84%71.19%71.28%71.94%
Pretax Profit Margin
69.36%70.84%71.19%71.28%71.94%
Net Profit Margin
54.12%55.12%55.32%55.63%55.85%
Continuous Operations Profit Margin
54.12%55.12%55.32%55.63%55.85%
Net Income Per EBT
78.02%77.82%77.71%78.05%77.63%
EBT Per EBIT
90.86%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
9.89%10.13%10.75%10.95%11.64%
Return on Equity (ROE)
15.14%15.00%16.24%16.72%18.15%
Return on Capital Employed (ROCE)
15.31%15.07%13.90%14.05%15.01%
Return on Invested Capital (ROIC)
12.15%11.73%10.80%10.96%11.65%
Return on Tangible Assets
9.90%10.31%10.97%11.21%11.94%
Earnings Yield
11.58%12.28%12.27%13.17%16.50%
Efficiency Ratios
Receivables Turnover
 8.42 4.64 5.66 5.57 5.75
Payables Turnover
 0.75 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 35.20 32.47 19.21 14.71 12.39
Asset Turnover
 0.18 0.18 0.19 0.20 0.21
Working Capital Turnover Ratio
 4.48 2.75 9.90 8.73 9.47
Cash Conversion Cycle
 -444.97 78.68 64.52 65.54 63.52
Days of Sales Outstanding
 43.36 78.68 64.52 65.54 63.52
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 488.33 0.00 0.00 0.00 0.00
Operating Cycle
 43.36 78.68 64.52 65.54 63.52
Cash Flow Ratios
Operating Cash Flow Per Share
 5.90 5.40 4.93 4.16 3.69
Free Cash Flow Per Share
 5.86 5.31 4.84 4.04 3.57
CapEx Per Share
 0.05 0.09 0.09 0.11 0.12
Free Cash Flow to Operating Cash Flow
 0.99 0.98 0.98 0.97 0.97
Dividend Paid and CapEx Coverage Ratio
 130.88 61.83 57.00 36.56 29.64
Capital Expenditure Coverage Ratio
 130.88 61.83 57.00 36.56 29.64
Operating Cash Flow Coverage Ratio
 1.07 1.01 0.95 0.86 0.79
Operating Cash Flow to Sales Ratio
 0.61 0.59 0.60 0.59 0.60
Free Cash Flow Yield
13.04%13.03%13.18%13.63%17.06%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.69 8.14 8.15 7.59 6.06
Price-to-Sales (P/S) Ratio
 4.67 4.49 4.51 4.22 3.38
Price-to-Book (P/B) Ratio
 1.26 1.22 1.32 1.27 1.10
Price-to-Free Cash Flow (P/FCF) Ratio
 7.67 7.68 7.59 7.34 5.86
Price-to-Operating Cash Flow Ratio
 7.61 7.55 7.46 7.14 5.66
Price-to-Earnings Growth (PEG) Ratio
 1.13 0.73 0.53 0.57 0.22
Price-to-Fair Value
 1.26 1.22 1.32 1.27 1.10
Enterprise Value Multiple
 6.92 6.56 6.43 6.02 5.05
Enterprise Value
 3.76B 3.54B 3.30B 2.75B 2.13B
EV to EBITDA
 6.92 6.56 6.43 6.02 5.05
EV to Sales
 5.15 5.02 5.06 4.75 4.06
EV to Free Cash Flow
 8.45 8.58 8.52 8.24 7.03
EV to Operating Cash Flow
 8.38 8.44 8.37 8.02 6.79
Tangible Book Value Per Share
 35.56 32.51 26.92 22.56 18.27
Shareholders’ Equity Per Share
 35.61 33.39 27.77 23.37 19.00
Tax and Other Ratios
Effective Tax Rate
 0.22 0.22 0.22 0.22 0.22
Revenue Per Share
 9.61 9.09 8.15 7.03 6.18
Net Income Per Share
 5.20 5.01 4.51 3.91 3.45
Tax Burden
 0.78 0.78 0.78 0.78 0.78
Interest Burden
 0.95 0.95 0.93 0.93 0.92
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
 1.13 1.08 1.09 1.06 1.07
Currency in USD