Zacks Research Issues Positive Forecast for NMI Earnings

NMI Holdings Inc (NASDAQ:NMIH) – Zacks Research lifted their Q1 2027 earnings estimates for NMI in a report issued on Wednesday, February 11th. Zacks Research analyst Team now anticipates that the financial services provider will post earnings per share of $1.40 for the quarter, up from their prior forecast of $1.38. The consensus estimate for NMI’s current full-year earnings is $4.62 per share. Zacks Research also issued estimates for NMI’s FY2027 earnings at $5.48 EPS.

A number of other analysts also recently commented on the company. JPMorgan Chase & Co. increased their price target on NMI from $42.00 to $43.00 and gave the company an “overweight” rating in a research report on Monday, January 12th. UBS Group set a $43.00 target price on NMI in a research report on Monday, January 12th. Keefe, Bruyette & Woods upgraded NMI from a “market perform” rating to an “outperform” rating and lifted their target price for the stock from $46.00 to $48.00 in a research note on Thursday, December 18th. Barclays boosted their price target on shares of NMI from $43.00 to $44.00 and gave the stock an “equal weight” rating in a report on Tuesday, January 6th. Finally, Weiss Ratings restated a “buy (b)” rating on shares of NMI in a report on Thursday, January 22nd. Four investment analysts have rated the stock with a Buy rating and two have given a Hold rating to the stock. According to MarketBeat, the stock presently has a consensus rating of “Moderate Buy” and a consensus price target of $43.00.

NMI Price Performance

Shares of NASDAQ NMIH opened at $40.95 on Thursday. The company has a market capitalization of $3.15 billion, a PE ratio of 8.34, a PEG ratio of 1.22 and a beta of 0.64. The company has a quick ratio of 0.86, a current ratio of 0.57 and a debt-to-equity ratio of 0.16. The stock’s 50 day moving average price is $39.65 and its 200-day moving average price is $38.55. NMI has a twelve month low of $31.90 and a twelve month high of $43.20.

NMI (NASDAQ:NMIH) last issued its quarterly earnings data on Tuesday, February 10th. The financial services provider reported $1.20 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $1.17 by $0.03. The business had revenue of $180.74 million during the quarter, compared to the consensus estimate of $180.69 million. NMI had a net margin of 55.05% and a return on equity of 15.78%. During the same period in the prior year, the firm posted $1.07 EPS.

Insider Activity

In related news, Director Michael J. Embler sold 20,000 shares of the business’s stock in a transaction on Wednesday, November 19th. The stock was sold at an average price of $36.90, for a total transaction of $738,000.00. Following the sale, the director directly owned 46,046 shares in the company, valued at approximately $1,699,097.40. The trade was a 30.28% decrease in their position. The transaction was disclosed in a document filed with the SEC, which can be accessed through this hyperlink. Insiders own 3.00% of the company’s stock.

Institutional Investors Weigh In On NMI

Several hedge funds and other institutional investors have recently modified their holdings of NMIH. Walleye Capital LLC purchased a new stake in shares of NMI in the second quarter worth $13,245,000. Exchange Traded Concepts LLC bought a new position in NMI in the 3rd quarter worth about $1,926,000. Capital Fund Management S.A. bought a new position in NMI in the 2nd quarter worth about $1,298,000. Jump Financial LLC raised its holdings in shares of NMI by 184.6% in the 2nd quarter. Jump Financial LLC now owns 193,322 shares of the financial services provider’s stock valued at $8,156,000 after acquiring an additional 125,401 shares in the last quarter. Finally, Y Intercept Hong Kong Ltd boosted its position in shares of NMI by 219.9% during the 3rd quarter. Y Intercept Hong Kong Ltd now owns 86,824 shares of the financial services provider’s stock valued at $3,329,000 after acquiring an additional 59,682 shares during the last quarter. 94.12% of the stock is currently owned by institutional investors.

NMI News Summary

Here are the key news stories impacting NMI this week:

• Positive Sentiment: Zacks Research raised near‑term and FY2027 EPS forecasts for NMI, signaling improving analyst expectations that support upside to the share price (Q1 2027 to $1.40 and FY2027 to $5.48).
• Positive Sentiment: Q4 results beat consensus: NMI reported stronger-than-expected EPS, higher premiums and investment income, and growth in insurance‑in‑force — the operational beat and healthy margins help justify current valuation. NMI Holdings Q4 Earnings Beat
• Positive Sentiment: Management reiterated an aggressive growth plan — targeting ~$221.4B insurance‑in‑force and mid‑teens returns through 2026 and expanding reinsurance — which supports longer‑term premium growth and capital efficiency. NMI Growth Strategy
• Positive Sentiment: Corporate governance move: NMI appointed Renu Agrawal to its Board as an independent director, which can be read positively by investors focused on board expertise and oversight. Board Appointment
• Neutral Sentiment: Analyst and media coverage highlights NMI as a value name given a low P/E and strong ROE, which may attract longer‑term value investors but has mixed near‑term implications. Value Stock Coverage
• Negative Sentiment: Underwriting/loss dynamics are a concern — analysts and commentaries note loss ratios are normalizing as older, lower‑risk vintages roll off, which could cap EPS upside versus current forward estimates. Normalizing Losses May Cap Upside
• Negative Sentiment: Q4 commentary flagged higher loss ratio and lower persistency — these trending headwinds could pressure combined ratios and earnings if not offset by pricing or reinsurance. Q4 Loss Ratio Note

NMI Company Profile

NMI Holdings, Inc (NASDAQ: NMIH) is a publicly traded mortgage insurance company that provides private mortgage insurance to lenders across the United States and Canada. Through its principal subsidiary, National Mortgage Insurance Corporation, NMI underwrites and issues policies that protect originators and investors against losses arising from borrower default on residential mortgage loans. By mitigating credit risk on higher‐loan‐to‐value mortgages, the company supports homebuyers’ access to financing and contributes to overall market liquidity.

Beyond its core mortgage insurance products, NMI offers credit risk‐sharing and reinsurance solutions designed to help clients optimize capital utilization and manage portfolio exposure.