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NMI Holdings (NMIH)
NASDAQ:NMIH
US Market
NMIH
NMI Holdings
RESEARCH TOOLSreports

NMI Holdings (NMIH) Ratios

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NMI Holdings Ratios

NMIH's free cash flow for Q4 2025 was $0.88. For the 2025 fiscal year, NMIH's free cash flow was decreased by $ and operating cash flow was $0.71. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.25 0.25 3.48 38.14 16.90
Quick Ratio
 0.25 0.25 3.48 38.14 16.90
Cash Ratio
 0.08 0.08 3.48 38.14 16.90
Solvency Ratio
 0.32 0.31 0.33 0.33 0.34
Operating Cash Flow Ratio
 0.80 0.80 25.23 137.07 125.36
Short-Term Operating Cash Flow Coverage
 0.00 189.64 0.00 0.00 0.00
Net Current Asset Value
$ -1.12B$ -1.12B$ -1.08B$ -919.15M$ -860.05M
Leverage Ratios
Debt-to-Assets Ratio
 0.11 0.11 0.12 0.14 0.16
Debt-to-Equity Ratio
 0.16 0.16 0.19 0.21 0.25
Debt-to-Capital Ratio
 0.14 0.14 0.16 0.17 0.20
Long-Term Debt-to-Capital Ratio
 0.14 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
 14.96 13.60 11.08 11.36 10.48
Interest Coverage Ratio
 17.55 17.55 12.56 12.81 11.73
Debt to Market Cap
 0.14 0.13 0.14 0.16 0.22
Interest Debt Per Share
 5.81 5.74 5.66 5.22 5.04
Net Debt to EBITDA
 0.69 0.71 0.70 0.66 0.84
Profitability Margins
Gross Profit Margin
91.78%91.83%95.04%95.96%100.48%
EBIT Margin
74.81%74.87%76.86%76.84%78.07%
EBITDA Margin
76.02%74.87%78.69%78.83%80.34%
Operating Profit Margin
70.78%70.84%71.19%71.28%71.94%
Pretax Profit Margin
70.78%70.84%71.19%71.28%71.94%
Net Profit Margin
55.07%55.12%55.32%55.63%55.85%
Continuous Operations Profit Margin
55.07%55.12%55.32%55.63%55.85%
Net Income Per EBT
77.82%77.82%77.71%78.05%77.63%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
10.13%10.13%10.75%10.95%11.64%
Return on Equity (ROE)
15.80%15.00%16.24%16.72%18.15%
Return on Capital Employed (ROCE)
15.07%15.07%13.90%14.05%15.01%
Return on Invested Capital (ROIC)
-99.29%-99.85%10.80%10.96%11.65%
Return on Tangible Assets
187.80%10.13%10.97%11.21%11.94%
Earnings Yield
13.05%12.28%12.27%13.17%16.50%
Efficiency Ratios
Receivables Turnover
 8.19 8.18 5.66 5.57 5.75
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 0.00 19.21 14.71 12.39
Asset Turnover
 0.18 0.18 0.19 0.20 0.21
Working Capital Turnover Ratio
 -2.82 -3.96 9.90 8.73 9.47
Cash Conversion Cycle
 44.58 44.62 64.52 65.54 63.52
Days of Sales Outstanding
 44.58 44.62 64.52 65.54 63.52
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
 44.58 44.62 64.52 65.54 63.52
Cash Flow Ratios
Operating Cash Flow Per Share
 5.47 5.40 4.93 4.16 3.69
Free Cash Flow Per Share
 5.38 5.31 4.84 4.04 3.57
CapEx Per Share
 0.09 0.09 0.09 0.11 0.12
Free Cash Flow to Operating Cash Flow
 0.98 0.98 0.98 0.97 0.97
Dividend Paid and CapEx Coverage Ratio
 61.83 61.83 57.00 36.56 29.64
Capital Expenditure Coverage Ratio
 61.83 61.83 57.00 36.56 29.64
Operating Cash Flow Coverage Ratio
 1.01 1.01 0.95 0.86 0.79
Operating Cash Flow to Sales Ratio
 0.59 0.59 0.60 0.59 0.60
Free Cash Flow Yield
13.94%13.03%13.18%13.63%17.06%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.66 8.14 8.15 7.59 6.06
Price-to-Sales (P/S) Ratio
 4.19 4.49 4.51 4.22 3.38
Price-to-Book (P/B) Ratio
 1.15 1.22 1.32 1.27 1.10
Price-to-Free Cash Flow (P/FCF) Ratio
 7.17 7.68 7.59 7.34 5.86
Price-to-Operating Cash Flow Ratio
 7.11 7.55 7.46 7.14 5.66
Price-to-Earnings Growth (PEG) Ratio
 2.67 0.73 0.53 0.57 0.22
Price-to-Fair Value
 1.15 1.22 1.32 1.27 1.10
Enterprise Value Multiple
 6.21 6.70 6.43 6.02 5.05
Enterprise Value
 3.33B 3.54B 3.30B 2.75B 2.13B
EV to EBITDA
 6.21 6.70 6.43 6.02 5.05
EV to Sales
 4.72 5.02 5.06 4.75 4.06
EV to Free Cash Flow
 8.08 8.58 8.52 8.24 7.03
EV to Operating Cash Flow
 7.95 8.44 8.37 8.02 6.79
Tangible Book Value Per Share
 -13.59 33.34 26.92 22.56 18.27
Shareholders’ Equity Per Share
 33.79 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
 9.21 9.09 8.15 7.03 6.18
Net Income Per Share
 5.07 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
 1.08 1.08 1.09 1.06 1.07
Currency in USD