PMI Group Inc (PMIR)
OTHER OTC:PMIR
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PMI Group
(OTC:PMIR)
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Rating:42Neutral
Price Target:
$0.23
▼(-8.00% Downside)
Action:Upgraded
Date:05/11/26
The score is driven primarily by very weak financial performance, including collapsed revenue, sustained losses, negative equity, and ongoing negative cash flow. Technical indicators are mildly bearish with the price below longer-term averages and a negative MACD. Valuation is also challenged due to a negative P/E and no indicated dividend yield.
Positive Factors
Durable business model
PMI’s core offering — private mortgage insurance supporting loans with high LTVs — is a structural enabler of mortgage origination. This role creates persistent demand tied to housing finance activity and regulatory frameworks that favor risk transfer, supporting long-term relevance of the product line.
Negative Factors
Negative equity / solvency risk
Persistent negative equity is a structural solvency red flag that limits strategic options. It constrains capital raising, can trigger covenant or regulatory intervention, and reduces flexibility to absorb losses, making long-term viability dependent on external recapitalization or asset dispositions.
Read all positive and negative factors
Positive Factors
Negative Factors
Durable business model
PMI’s core offering — private mortgage insurance supporting loans with high LTVs — is a structural enabler of mortgage origination. This role creates persistent demand tied to housing finance activity and regulatory frameworks that favor risk transfer, supporting long-term relevance of the product line.
Read all positive factors
PMI Group (PMIR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$497.87K
Dividend YieldN/A
Average Volume (3M)0.00
Price to Earnings (P/E)―
Beta (1Y)0.50
Revenue GrowthN/A
EPS Growth28.89%
CountryUS
Employees712
SectorFinancial
Sector Strength70
IndustryInsurance - Specialty
Share Statistics
EPS (TTM)-0.39
Shares Outstanding2,074,441
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)-0.19
Price to Sales (P/S)259.31
P/FCF Ratio-2.59
Enterprise Value/Market Cap5.47
Enterprise Value/Revenue1.36K
Enterprise Value/Gross Profit1.36K
Enterprise Value/Ebitda-4.77
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 Description
The 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, Ca...
How the Company Makes Money
PMI Group historically made money primarily by underwriting and servicing private mortgage insurance policies written on residential mortgage loans. Its core revenue stream was insurance premiums paid by borrowers (often collected via lenders) for...
PMI Group Financial Statement Overview
Summary
Income Statement
9
Very Negative
Balance Sheet
6
Very Negative
Cash Flow
12
Very Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.00K | 2.00K | 2.00K | 20.00K | 216.00K | -148.00K |
| Gross Profit | 2.00K | 2.00K | 0.00 | 20.00K | 4.00K | 2.00K |
| EBITDA | -571.00K | -350.00K | -698.00K | -595.00K | 5.66M | -831.00K |
| Net Income | -817.00K | -645.00K | -907.00K | -784.00K | 4.10M | -1.64M |
Balance Sheet | ||||||
| Total Assets | 589.00K | 514.00K | 205.00K | 745.00K | 1.22M | 2.56M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 400.00K | 0.00 | 0.00 | 396.00K | 779.00K |
| Total Debt | 2.47M | 2.62M | 1.83M | 1.62M | 1.43M | 6.78M |
| Total Liabilities | 2.97M | 3.22M | 2.27M | 1.90M | 1.59M | 7.03M |
| Stockholders Equity | -2.38M | -2.71M | -2.06M | -1.16M | -373.00K | -4.47M |
Cash Flow | ||||||
| Free Cash Flow | -300.00K | -200.00K | -471.00K | -496.00K | -1.24M | -1.10M |
| Operating Cash Flow | -300.00K | -200.00K | -471.00K | -496.00K | -1.24M | -1.10M |
| Investing Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 749.00K | 500.00K |
| Financing Cash Flow | 500.00K | 500.00K | 0.00 | 0.00 | 100.00K | 0.00 |
PMI Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $4.83B | 9.13 | 12.01% | 2.78% | 7.69% | 3.24% | |
76 Outperform | $2.84B | 7.19 | 0.06% | ― | 7.29% | 6.16% | |
68 Neutral | $3.40B | 10.51 | 7.38% | 1.50% | 2.70% | 3.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
45 Neutral | $311.72M | -1.84 | 6.98% | ― | 109.30% | 64.74% | |
42 Neutral | $497.87K | -0.81 | ― | ― | ― | 28.89% |
* Financial Sector Average
PMIR
PMI Group
0.24
-0.01
-4.00%
AGO
Assured Guaranty
76.89
-6.09
-7.34%
MBI
MBIA
6.12
1.77
40.69%
RDN
Radian Group
36.33
4.02
12.45%
NMIH
NMI Holdings
37.40
-0.56
-1.48%
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.