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NMI Holdings (NMIH)
NASDAQ:NMIH
Earnings Data
Report Date
Aug 05, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
1.21Last Year’s EPS
1.2Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 29, 2025
|% Change Since: 11.92%
|Next Earnings Date:Aug 05, 2025
Earnings Call Sentiment|Positive
The earnings call highlighted record financial results, growth in the insured portfolio, and a strong return on equity, supported by strategic partnerships. Despite minor concerns such as a slight decline in persistency and default rates, the overall sentiment is positive due to significant achievements outweighing lowlights.Company Guidance
During the first quarter of 2025, NMI Holdings, Inc. reported strong financial performance with record financial metrics. The company generated $9.2 billion in New Insurance Written (NIW) volume and ended the quarter with $211.3 billion of primary insurance in force, marking a 1% increase from the fourth quarter of 2024 and a 6% rise from the first quarter of 2024. Total revenue reached a record $173.2 million, a 4% increase from the previous quarter and a 10.9% increase from the same period last year. The company achieved a record GAAP net income of $102.6 million, or $1.28 per diluted share, showcasing a 19% growth compared to the fourth quarter of 2024 and a 15% increase from the first quarter of the previous year. The return on equity was recorded at 18.1%. Additionally, the net yield for the quarter stood at 28.4 basis points, with core yield unchanged at 34.1 basis points. Furthermore, NMI's investment income amounted to $23.7 million, while underwriting and operating expenses were $30.2 million, resulting in an expense ratio of 20.2%. The company also reported 6,859 defaults, with a default rate remaining steady at 1%, and claims expenses decreased significantly to $4.5 million. With a strong customer franchise and a robust balance sheet, NMI Holdings continues to be well-positioned to provide high-value solutions and drive growth in its insured portfolio, supported by a comprehensive risk management framework and a favorable partnership extension with Tata Consultancy Services through 2032.Record Financial Performance
National MI delivered record financial results with total revenue of $173.2 million and GAAP net income of $102.6 million, representing a 19% increase from the previous quarter. The diluted EPS was $1.28, up 20% compared to the fourth quarter.
Growth in Insured Portfolio
The company generated $9.2 billion of NIW volume, ending the quarter with a record $211.3 billion of high-quality, high-performing primary insurance in force, up 6% compared to the first quarter of 2024.
Strong Return on Equity
National MI achieved an 18.1% return on equity, indicating a robust financial position and efficient use of capital.
Partnership with Tata Consultancy Services
The company extended its long-term IP engagement with Tata Consultancy Services on favorable terms into 2032, continuing a successful partnership that drives innovation and efficiency.
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NMIH Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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NMIH Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 29, 2025 | $33.64 | $36.17 | +7.52% |
Feb 06, 2025 | $38.80 | $36.95 | -4.77% |
Nov 06, 2024 | $39.28 | $37.25 | -5.17% |
Jul 30, 2024 | $39.20 | $39.35 | +0.38% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does NMI Holdings (NMIH) report earnings?
NMI Holdings (NMIH) is schdueled to report earning on Aug 05, 2025, TBA Not Confirmed.
What is NMI Holdings (NMIH) earnings time?
NMI Holdings (NMIH) earnings time is at Aug 05, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is NMIH EPS forecast?
NMIH EPS forecast for the fiscal quarter 2025 (Q2) is 1.21.
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