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PMI Group
(OTC:PMIR)
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Rating:40Underperform
Price Target:
$0.23
▼(-5.00% Downside)
Action:Downgraded
Date:08/12/26
The score is driven primarily by very weak financial performance (revenue collapse, recurring large losses, negative equity, and ongoing negative cash flow). Technical signals are also soft with flat-to-weak trend and negative momentum indicators. Valuation is further constrained by a negative P/E and no dividend yield data.
Positive Factors
Structural mortgage-insurance role
PMI’s core business is a structural enabler in U.S. housing finance: private mortgage insurance allows lenders to originate high-LTV mortgages. That functional role creates persistent long-term demand whenever low-down-payment mortgages exist, supporting franchise relevance across cycles.
Negative Factors
Negative shareholders' equity
Persistently negative equity is a fundamental solvency red flag for an insurer: it constrains regulatory capital, limits ability to underwrite, and reduces financial flexibility. Restoring positive net worth typically requires sizeable external capital or asset disposals, a structural challenge.
Read all positive and negative factors
Positive Factors
Negative Factors
Structural mortgage-insurance role
PMI’s core business is a structural enabler in U.S. housing finance: private mortgage insurance allows lenders to originate high-LTV mortgages. That functional role creates persistent long-term demand whenever low-down-payment mortgages exist, supporting franchise relevance across cycles.
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)0.54
Revenue Growth-100.00%
EPS Growth11.12%
CountryUS
EmployeesN/A
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda>-0.01
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. does not have significant operations. Previously, the company was involved in mortgage insurance business. The PMI Group, Inc. was founded in 1972 and is based in New York, New York....
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 | Mar 2026 | 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 |
|---|---|---|---|---|---|---|---|
82 Outperform | $3.40B | 8.67 | 15.14% | ― | 7.53% | 7.71% | |
74 Outperform | $4.87B | 9.22 | 11.26% | 2.64% | 27.93% | -2.18% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $3.34B | 10.32 | 6.26% | 1.69% | 3.00% | -17.74% | |
45 Neutral | $255.59M | -1.66 | 6.43% | ― | -8.74% | 36.99% | |
40 Underperform | $497.87K | -0.77 | ― | ― | -100.00% | 11.12% |
* Financial Sector Average
PMIR
PMI Group
0.24
-0.01
-4.00%
AGO
Assured Guaranty
75.84
-4.58
-5.69%
MBI
MBIA
4.80
-3.27
-40.52%
RDN
Radian Group
36.52
2.87
8.52%
NMIH
NMI Holdings
44.80
5.47
13.91%
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.