NMI Holdings Inc
NMI Holdings, Inc (NMIH) is a US-based private mortgage insurer that protects lenders against borrower defaults on conventional mortgage loans. With a market capitalisation of roughly $2.84 billion, NMI earns premiums, manages claims and holds reserves to cover potential losses; its profitability is closely tied to mortgage originations, home-price trends and broader economic conditions. Investors should watch underwriting performance, reserve adequacy, reinsurance contracts and regulatory capital requirements, as these influence both earnings and balance-sheet strength. The stock offers exposure to the housing finance ecosystem but can be cyclical: rising interest rates, falling house prices or higher unemployment can increase claims and pressure results. This summary is for educational purposes only and not personalised investment advice. Consider your objectives and risk tolerance and seek professional advice before investing.
Stock Performance Snapshot
Analyst Rating
Analysts recommend buying NMI Holdings' stock with a target price of $40.71, indicating growth potential.
Financial Health
NMI Holdings is showing strong profits and cash flow, indicating a solid financial performance.
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Baskets Featuring NMIH
The Great Mortgage Privatization
The planned IPOs for mortgage giants Fannie Mae and Freddie Mac signal a historic shift toward privatization in the U.S. housing market. This move stands to benefit not only the investment banks managing the deal but also a wider ecosystem of mortgage lenders and insurers.
Published: August 11, 2025
Explore BasketWhy You’ll Want to Watch This Stock
Housing cycle exposure
Earnings and premiums track mortgage originations and home prices — growth can help returns, while downturns can increase claims and volatility.
Capital and reserves
Reserve adequacy and reinsurance shape the firm’s loss-absorbing capacity; regulatory capital needs can limit capital return or growth.
Underwriting discipline
Pricing and risk selection are critical: disciplined underwriting reduces claim risk, but poor credit trends can still hurt results.
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