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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 Q1 2026 was $0.89. For the 2026 fiscal year, NMIH's free cash flow was decreased by $ and operating cash flow was $0.72. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.39 1.90 3.48 38.14 16.90
Quick Ratio
 0.39 1.90 3.48 38.14 16.90
Cash Ratio
 0.18 0.08 3.48 38.14 16.90
Solvency Ratio
 <0.01 0.31 0.33 0.33 0.34
Operating Cash Flow Ratio
 <0.01 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
$ -1.12T$ -248.40M$ -1.08B$ -919.15M$ -860.05M
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 0.11 0.12 0.14 0.16
Debt-to-Equity Ratio
 <0.01 0.16 0.19 0.21 0.25
Debt-to-Capital Ratio
 <0.01 0.14 0.16 0.17 0.20
Long-Term Debt-to-Capital Ratio
 <0.01 0.14 0.16 0.17 0.20
Financial Leverage Ratio
 1.49 1.48 1.51 1.53 1.56
Debt Service Coverage Ratio
 14.74 14.66 11.08 11.36 10.48
Interest Coverage Ratio
 17.32 17.55 12.56 12.81 11.73
Debt to Market Cap
 0.15 0.13 0.14 0.16 0.22
Interest Debt Per Share
 5.85 5.74 5.66 5.22 5.04
Net Debt to EBITDA
 -133.19 0.71 0.70 0.66 0.84
Profitability Margins
Gross Profit Margin
89.66%91.83%95.04%95.96%100.48%
EBIT Margin
72.84%74.87%76.86%76.84%78.07%
EBITDA Margin
73.64%74.87%78.69%78.83%80.34%
Operating Profit Margin
68.87%70.84%71.19%71.28%71.94%
Pretax Profit Margin
68.87%70.84%71.19%71.28%71.94%
Net Profit Margin
53.84%55.12%55.32%55.63%55.85%
Continuous Operations Profit Margin
53.84%55.12%55.32%55.63%55.85%
Net Income Per EBT
78.18%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)
<0.01%10.13%10.75%10.95%11.64%
Return on Equity (ROE)
0.06%15.00%16.24%16.72%18.15%
Return on Capital Employed (ROCE)
0.01%15.07%13.90%14.05%15.01%
Return on Invested Capital (ROIC)
-0.16%11.73%10.80%10.96%11.65%
Return on Tangible Assets
<0.01%10.31%10.97%11.21%11.94%
Earnings Yield
13.39%12.28%12.27%13.17%16.50%
Efficiency Ratios
Receivables Turnover
 <0.01 4.64 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 32.47 19.21 14.71 12.39
Asset Turnover
 <0.01 0.18 0.19 0.20 0.21
Working Capital Turnover Ratio
 >-0.01 2.75 9.90 8.73 9.47
Cash Conversion Cycle
 44.25K 78.68 64.52 65.54 63.52
Days of Sales Outstanding
 44.25K 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
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 44.25K 78.68 64.52 65.54 63.52
Cash Flow Ratios
Operating Cash Flow Per Share
 5.70 5.40 4.93 4.16 3.69
Free Cash Flow Per Share
 5.62 5.31 4.84 4.04 3.57
CapEx Per Share
 0.08 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
 70.32 61.83 57.00 36.56 29.64
Capital Expenditure Coverage Ratio
 70.32 61.83 57.00 36.56 29.64
Operating Cash Flow Coverage Ratio
 1.04 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
14.91%13.03%13.18%13.63%17.06%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.47 8.14 8.15 7.59 6.06
Price-to-Sales (P/S) Ratio
 4.01 4.49 4.51 4.22 3.38
Price-to-Book (P/B) Ratio
 <0.01 1.22 1.32 1.27 1.10
Price-to-Free Cash Flow (P/FCF) Ratio
 6.71 7.68 7.59 7.34 5.86
Price-to-Operating Cash Flow Ratio
 6.63 7.55 7.46 7.14 5.66
Price-to-Earnings Growth (PEG) Ratio
 1.26 0.73 0.53 0.57 0.22
Price-to-Fair Value
 <0.01 1.22 1.32 1.27 1.10
Enterprise Value Multiple
 -127.75 6.70 6.43 6.02 5.05
Enterprise Value
 -67.39B 3.54B 3.30B 2.75B 2.13B
EV to EBITDA
 -127.75 6.70 6.43 6.02 5.05
EV to Sales
 -94.07 5.02 5.06 4.75 4.06
EV to Free Cash Flow
 -157.43 8.58 8.52 8.24 7.03
EV to Operating Cash Flow
 -155.19 8.44 8.37 8.02 6.79
Tangible Book Value Per Share
 34.51K 32.51 26.92 22.56 18.27
Shareholders’ Equity Per Share
 34.56K 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
 9.40 9.09 8.15 7.03 6.18
Net Income Per Share
 5.06 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
 0.02 0.03 0.03 0.03 0.03
Income Quality
 1.13 1.08 1.09 1.06 1.07
Currency in USD