Stock Ratings / Financials / NMIH / earnings

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

NMI Holdings Inc. (NMIH) Next Earnings Date & Expected ±5.3% Move

$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%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±5.3% Swing Band

±$2.29 Expected Swing

MODEL EARNINGS SETUP GAUGE

NMIH Quantitative Pre-Earnings Setup: 68/100

Trailing EPS: $5.17 • YoY Revenue Growth: 8.5%

Model Bullish Setup (68/100)Model Risk Weight (32/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$706.4M	$388.9M	$412.5M	52%
FY 2024	2024-12-31	$651.0M	$360.1M	$386.7M	52%
FY 2023	2023-12-31	$579.0M	$322.1M	$342.7M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating NMIH & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on NMIH
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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

When is NMIH's next earnings date?

Based on SEC filing cadence, NMI Holdings Inc. (NMIH)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is NMIH stock expected to move on earnings?

Volatility modeling currently projects a ±5.3% event move for NMIH, spanning a range between $40.89 and $45.47.

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