Stock Ratings / Financials / NMIH / dividends

SLDE (82) AGO (63) SPNT (64) LMND (38) ⌘ Pro Terminal →

NMI Holdings Inc. (NMIH) Dividend Safety Gauge & 10-Year DRIP Compounder

$43.18 +2.54% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

NMI Holdings Inc. (NMIH) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $3.25B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NMIH)Realized 20D OHLCV Swing Band: ±5.3%

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $18,771

Est. Year-10 Shareholder Yield: $338/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.3K

Yr 2

$12.1K

Yr 3

$12.9K

Yr 4

$13.7K

Yr 5

$14.6K

Yr 6

$15.5K

Yr 7

$16.5K

Yr 8

$17.6K

Yr 9

$18.8K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in NMIH & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on NMIH and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

NMIH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +11.55%⚡ TESTING RESISTANCE

2026-10-30O $42.94H $43.18L $42.13C $43.18VOL 604.4K

RES: $43.09SUP: $36.50SMA50: $42.26SMA200: $40.24

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NMIH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NMIH Butterfly Map → + Track NMIH →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-4.5%/yr Implied 5Y Growth

vs. +8.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NMIH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NMIH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NMIH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NMIH)

Financials Rank #220 of 1096 ⚔️ SLDE vs NMIH Full Matrix →

1. Head-to-Head Financials Peer Comparison (NMIH vs. SLDE, AGO, SPNT, LMND)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, NMI Holdings Inc. (NMIH) ranks #220 by composite RQD confidence (68/100, grade C+) and #348 by equity capitalization ($3.25B). Within this direct 5-issuer industry benchmark cohort, AGO leads on earnings valuation at 6.2x trailing P/E, while SLDE leads on capital efficiency and profitability with 39.9% ROIC and — gross margin. SLDE currently holds the highest overall quantitative score in the immediate peer group at 82/100 (A-) compared with NMIH at 68/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NMIH ACTIVE NMI Holdings Inc.	C+	68/100	8.4x	—	15.0%	+2.54%	$3.25B	Benchmark Subject
SLDE Slide Insurance Holdings Inc.	A-	82/100	7.2x	—	39.9%	+1.29%	$3.22B	/slde-vs-nmih →
AGO Assured Guaranty Ltd.	C	63/100	6.2x	—	8.9%	+2.25%	$3.12B	/ago-vs-nmih →
SPNT SiriusPoint Ltd.	C	64/100	6.6x	—	18.6%	+2.69%	$3.01B	/spnt-vs-nmih →
LMND Lemonade Inc.	D-	38/100	—	—	-31.1%	+1.21%	$3.55B	/lmnd-vs-nmih →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001547903

In its most recent audited fiscal period (FY2025, filed 2025-12-31), NMI Holdings Inc. (NMIH) reported GAAP revenue of $706.4M (+8.5% vs. FY2024 revenue of $651.0M , and +22.0% cumulative change since FY2023) , GAAP net income of $388.9M, operating cash flow of $419.3M, and free cash flow of $412.5M (+6.7% YoY). On the balance sheet, NMIH closed FY2025 with $3.84B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$706.4M	$388.9M	$419.3M	$412.5M	$3.84B	—
FY2024 (FY)	2024-12-31	$651.0M	$360.1M	$393.6M	$386.7M	$3.35B	—
FY2023 (FY)	2023-12-31	$579.0M	$322.1M	$342.7M	$342.7M	—	—

3. NMIH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NMIH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, NMI Holdings Inc. (NASDAQ: NMIH) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $43.18 (+2.54% 1D, market cap $3.25B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, NMIH ranks #220 in composite RQD confidence.

How does NMIH compare to SLDE and AGO in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), NMIH carries a Roarable C+ (68/100 RQD), trailing P/E of 8.4x, gross margin of —, and ROIC of 15.0%. By comparison, SLDE (Slide Insurance Holdings Inc.) holds a A- grade (82/100 RQD, P/E 7.2x, ROIC 39.9%, cap $3.22B) and AGO (Assured Guaranty Ltd.) posts a C grade (63/100 RQD, P/E 6.2x, ROIC 8.9%, cap $3.12B). Among the 5-stock peer group, AGO leads on earnings multiple (6.2x) while SLDE leads on capital efficiency (39.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NMIH?

Per NMIH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001547903), NMI Holdings Inc. generated $706.4M in revenue (+8.5% YoY), $388.9M in net income, and $412.5M in free cash flow against $3.84B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NMIH trading relative to its 50-day, 200-day, and 52-week technical levels?

NMIH last traded at $43.18 (+2.54% on volume of 431,291 shares), positioning the stock +2.18% above its 50-day simple moving average ($42.26) and +7.31% above its 200-day simple moving average ($40.24). Across its 52-week range of $34.84 to $46.74, NMIH sits at the 70.1% percentile with a 14-day RSI of 57.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.3% ($40.89 to $45.47).

NMIH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does NMIH pay a dividend and is it safe?

NMI Holdings Inc. (NMIH) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Direct Sub-Reports: NMIH RQD Cockpit NMIH 12M Forecast NMIH Earnings & Move NMIH Dividends & DRIP NMIH Insiders & 13F NMIH Whale Options NMIH Profit Sankey NMIH News & Why