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PMI Group Inc (PMIR)
OTHER OTC:PMIR
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PMI Group
(OTC:PMIR)
Select Model
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Rating:39Underperform
Price Target:
$0.24
▼(-5.60% Downside)
The score is driven primarily by very weak financial performance (sharp revenue decline, ongoing losses, negative cash flow, and negative equity with debt), which dominates the risk profile. Technicals show a flat price/momentum setup with an extreme RSI reading, offering limited support. Valuation is also unfavorable due to negative earnings and no dividend yield data.
PMI Group (PMIR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$518.61K
Dividend YieldN/A
Average Volume (3M)0.00
Price to Earnings (P/E)―
Beta (1Y)0.00
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees712
SectorFinancial
Sector Strength70
IndustryInsurance - Specialty
Share Statistics
EPS (TTM)-0.08
Shares Outstanding2,074,441
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio-0.04
Price to Book (P/B)-0.25
Price to Sales (P/S)259.31
P/FCF Ratio-1.10
Enterprise Value/Market Cap4.79
Enterprise Value/Revenue1.24K
Enterprise Value/Gross Profit1.24K
Enterprise Value/Ebitda-4.35
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
PMI Group Business Overview & Revenue Model
Company DescriptionThe PMI Group, Inc., through its subsidiary, PMI Mortgage Insurance Co., provides mortgage insurance to lenders and other financial entities in the United States and internationally. The company was founded in 1972 and is based in Walnut Creek, California.
How the Company Makes Money
PMI Group Financial Statement Overview
Summary
Financials indicate severe strain: revenue collapsed in 2024 ($2K vs. $20K), recurring large operating losses (2024 EBIT -$698K) with extremely negative net margin (-453.5%), persistently negative operating/free cash flow (both -$471K), and a stressed capital structure with negative equity (-$2.064M) alongside meaningful debt ($1.829M).Income Statement
Operating performance is very weak and volatile. Revenue collapsed in 2024 ($2K vs. $20K in 2023; -89.5% growth), and the company remains deeply unprofitable with large operating losses (2024 EBIT of -$698K) and a sharply negative net margin in 2024 (-453.5%). Results have also been inconsistent across years (e.g., 2022 shows a large profit while surrounding years are losses), which reduces confidence in earnings quality and sustainability.12
Very Negative
Balance Sheet
The balance sheet is highly stressed with persistent negative stockholders’ equity (2024: -$2.064M) alongside meaningful debt (2024: $1.829M). Total assets have also shrunk materially (2024: $205K vs. $745K in 2023), limiting financial flexibility. While leverage ratios are difficult to interpret cleanly with negative equity, the combination of debt plus a cumulative deficit profile points to elevated solvency and refinancing risk.8
Very Negative
Cash Flow
Cash generation is consistently negative. Operating cash flow and free cash flow were both -$471K in 2024 (still negative, though modestly improved vs. -$496K in 2023), indicating the business is consuming cash rather than funding itself internally. With ongoing losses and negative cash flow, the company likely remains reliant on external financing or balance-sheet actions to sustain operations.15
Very Negative
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.00K | 2.00K | 20.00K | 216.00K | -148.00K | 36.00K |
| Gross Profit | 2.00K | 0.00 | 20.00K | 4.00K | 2.00K | 36.00K |
| EBITDA | -571.00K | -698.00K | -595.00K | 5.66M | -831.00K | -566.00K |
| Net Income | -817.00K | -907.00K | -784.00K | 4.10M | -1.64M | -1.16M |
Balance Sheet | ||||||
| Total Assets | 589.00K | 205.00K | 745.00K | 1.22M | 2.56M | 3.37M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 0.00 | 0.00 | 396.00K | 779.00K | 1.38M |
| Total Debt | 2.47M | 1.83M | 1.62M | 1.43M | 6.78M | 6.16M |
| Total Liabilities | 2.97M | 2.27M | 1.90M | 1.59M | 7.03M | 6.19M |
| Stockholders Equity | -2.38M | -2.06M | -1.16M | -373.00K | -4.47M | -2.83M |
Cash Flow | ||||||
| Free Cash Flow | -300.00K | -471.00K | -496.00K | -1.24M | -1.10M | -322.00K |
| Operating Cash Flow | -300.00K | -471.00K | -496.00K | -1.24M | -1.10M | -322.00K |
| Investing Cash Flow | 0.00 | 0.00 | 0.00 | 749.00K | 500.00K | -1.25M |
| Financing Cash Flow | 500.00K | 0.00 | 0.00 | 100.00K | 0.00 | 0.00 |
PMI Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $3.02B | 8.09 | 16.17% | ― | 8.86% | 9.51% | |
70 Outperform | $3.95B | 10.50 | 7.06% | 1.50% | 7.56% | -38.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $4.46B | 8.21 | 12.56% | 2.78% | -3.68% | 3.65% | |
45 Neutral | $324.67M | -1.84 | ― | ― | ― | 67.72% | |
39 Underperform | $518.61K | -0.74 | ― | ― | ― | ― |
* Financial Sector Average
PMIR
PMI Group
0.25
0.00
0.00%
AGO
Assured Guaranty
85.80
-5.28
-5.80%
MBI
MBIA
6.59
-0.34
-4.91%
RDN
Radian Group
32.72
-0.22
-0.67%
NMIH
NMI Holdings
38.72
-0.06
-0.15%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.