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STOCKS

NMI Holdings (NMIH)

NASDAQ:NMIH

NMIH

NMI Holdings

RESEARCH TOOLSreports

NMI Holdings (NMIH) Ratios

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437 Followers

NMI Holdings Ratios

NMIH's free cash flow for Q3 2025 was $0.90. For the 2025 fiscal year, NMIH's free cash flow was decreased by $ and operating cash flow was $0.73. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	3.48	38.14	9.36	25.37
Quick Ratio	0.00	3.48	38.14	12.84	29.03
Cash Ratio	0.00	3.48	38.14	0.18	0.83
Solvency Ratio	0.32	0.33	0.33	0.34	0.43
Operating Cash Flow Ratio	0.00	25.23	137.07	1.37	3.69
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -1.21B	$ -1.08B	$ -919.15M	$ 1.24B	$ 1.68B
Leverage Ratios
Debt-to-Assets Ratio	0.11	0.12	0.14	0.16	0.16
Debt-to-Equity Ratio	0.17	0.19	0.21	0.25	0.25
Debt-to-Capital Ratio	0.14	0.16	0.17	0.20	0.20
Long-Term Debt-to-Capital Ratio	0.14	0.16	0.17	0.20	0.20
Financial Leverage Ratio	1.48	1.51	1.53	1.56	1.57
Debt Service Coverage Ratio	14.79	11.08	11.36	10.48	8.62
Interest Coverage Ratio	17.21	12.56	12.81	12.39	9.27
Debt to Market Cap	0.14	0.14	0.16	0.22	0.21
Interest Debt Per Share	5.75	5.66	5.22	5.04	4.98
Net Debt to EBITDA	0.54	0.70	0.66	0.84	0.95
Profitability Margins
Gross Profit Margin	92.16%	95.04%	100.00%	100.00%	100.00%
EBIT Margin	74.83%	76.86%	76.84%	78.07%	67.65%
EBITDA Margin	76.50%	78.69%	78.83%	80.34%	69.96%
Operating Profit Margin	70.72%	71.19%	71.28%	75.96%	60.69%
Pretax Profit Margin	70.72%	71.19%	71.28%	71.94%	61.10%
Net Profit Margin	55.02%	55.32%	55.63%	55.85%	47.59%
Continuous Operations Profit Margin	55.02%	55.32%	55.63%	55.85%	47.59%
Net Income Per EBT	77.80%	77.71%	78.05%	77.63%	77.89%
EBT Per EBIT	100.00%	100.00%	100.00%	94.71%	100.67%
Return on Assets (ROA)	10.22%	10.75%	10.95%	11.64%	9.43%
Return on Equity (ROE)	16.08%	16.24%	16.72%	18.15%	14.76%
Return on Capital Employed (ROCE)	13.13%	13.90%	14.05%	17.42%	12.48%
Return on Invested Capital (ROIC)	0.00%	10.80%	10.96%	16.12%	5.36%
Return on Tangible Assets	10.23%	10.97%	11.21%	11.81%	9.57%
Earnings Yield	12.71%	12.27%	13.17%	16.50%	12.35%
Efficiency Ratios
Receivables Turnover	5.72	5.66	0.00	5.75	6.02
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	30.41	19.21	14.71	39.61	37.20
Asset Turnover	0.19	0.19	0.20	0.21	0.20
Working Capital Turnover Ratio	0.00	9.90	8.73	0.26	0.24
Cash Conversion Cycle	63.83	64.52	0.00	63.52	60.64
Days of Sales Outstanding	63.83	64.52	0.00	63.52	60.64
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	63.83	64.52	0.00	63.52	60.64
Cash Flow Ratios
Operating Cash Flow Per Share	5.08	4.93	4.16	3.69	3.80
Free Cash Flow Per Share	5.00	4.84	4.04	3.57	3.66
CapEx Per Share	0.08	0.09	0.11	0.12	0.14
Free Cash Flow to Operating Cash Flow	0.98	0.98	0.97	0.97	0.96
Dividend Paid and CapEx Coverage Ratio	60.24	57.00	36.56	29.64	26.62
Capital Expenditure Coverage Ratio	60.24	57.00	36.56	29.64	26.62
Operating Cash Flow Coverage Ratio	0.94	0.95	0.86	0.79	0.83
Operating Cash Flow to Sales Ratio	0.57	0.60	0.59	0.60	0.67
Free Cash Flow Yield	13.00%	13.18%	13.63%	17.06%	16.76%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	7.87	8.15	7.59	6.06	8.09
Price-to-Sales (P/S) Ratio	4.30	4.51	4.22	3.38	3.85
Price-to-Book (P/B) Ratio	1.19	1.32	1.27	1.10	1.19
Price-to-Free Cash Flow (P/FCF) Ratio	7.69	7.59	7.34	5.86	5.97
Price-to-Operating Cash Flow Ratio	7.62	7.46	7.14	5.66	5.74
Price-to-Earnings Growth (PEG) Ratio	5.40	0.53	0.57	0.22	0.36
Price-to-Fair Value	1.19	1.32	1.27	1.10	1.19
Enterprise Value Multiple	6.16	6.43	6.02	5.05	6.45
Enterprise Value	3.26B	3.30B	2.75B	2.13B	2.19B
EV to EBITDA	6.16	6.43	6.02	5.05	6.45
EV to Sales	4.71	5.06	4.75	4.06	4.51
EV to Free Cash Flow	8.43	8.52	8.24	7.03	6.99
EV to Operating Cash Flow	8.29	8.37	8.02	6.79	6.73
Tangible Book Value Per Share	32.49	26.92	22.56	18.55	21.64
Shareholders’ Equity Per Share	32.49	27.77	23.37	19.00	18.29
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.22	0.22	0.22
Revenue Per Share	8.94	8.15	7.03	6.18	5.67
Net Income Per Share	4.92	4.51	3.91	3.45	2.70
Tax Burden	0.78	0.78	0.78	0.78	0.78
Interest Burden	0.95	0.93	0.93	0.92	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	1.03	1.09	1.06	1.07	1.41

Currency in USD