Is It Time To Revisit NMI Holdings (NMIH) After Mixed Recent Share Performance?

Simply Wall St.

Apr 02

Investors may be wondering whether NMI Holdings is priced fairly at around its recent US$37.35 close, or if the market is overlooking something in the current share price. The stock has been ...

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The stock has been ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/diversified-financials/nasdaq-nmih/nmi-holdings/news/is-it-time-to-revisit-nmi-holdings-nmih-after-mixed-recent-s\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is It Time To Revisit NMI Holdings (NMIH) After Mixed Recent Share Performance?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs It Time To Revisit NMI Holdings (NMIH) After Mixed Recent Share Performance?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-04-02 07:31 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/diversified-financials/nasdaq-nmih/nmi-holdings/news/is-it-time-to-revisit-nmi-holdings-nmih-after-mixed-recent-s><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Investors may be wondering whether NMI Holdings is priced fairly at around its recent US$37.35 close, or if the market is overlooking something in the current share price. The stock has been ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/diversified-financials/nasdaq-nmih/nmi-holdings/news/is-it-time-to-revisit-nmi-holdings-nmih-after-mixed-recent-s\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4195","symbol_name":"互助储蓄与抵押信贷金融服务","start_time":0,"source_url":"https://simplywall.st/stocks/us/diversified-financials/nasdaq-nmih/nmi-holdings/news/is-it-time-to-revisit-nmi-holdings-nmih-after-mixed-recent-s","article_id":"2624528852","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7021000-choice1-main-header/1585186662944"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/diversified-financials/nasdaq-nmih/nmi-holdings/news/is-it-time-to-revisit-nmi-holdings-nmih-after-mixed-recent-s","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2624528852","pubTimestamp":1775086270,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Investors may be wondering whether NMI Holdings is priced fairly at around its recent US$37.35 close, or if the market is overlooking something in the current share price.\nThe stock has been relatively steady over the past week with a 0.3% return. However, the 30 day and year to date returns of a 5.8% decline and an 8.0% decline contrast with a 1 year return of 1.0%, a 3 year return of 72.8%, and a 5 year return of 60.6%.\nRecent coverage of NMI Holdings has focused on its position within the...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4195":"互助储蓄与抵押信贷金融服务","NMI":"纽文市政收益基金","NMIH":"NMI Holdings Inc.","BK4229":"商业和住宅抵押贷款融资"},"translate_title":"在近期股价表现好坏参半之后，是时候重新审视NMI Holdings(NMIH)了吗？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"NMIH":1.5,"NMI":1.5},"content_text":"Investors may be wondering whether NMI Holdings is priced fairly at around its recent US$37.35 close, or if the market is overlooking something in the current share price. The stock has been relatively steady over the past week with a 0.3% return. However, the 30 day and year to date returns of a 5.8% decline and an 8.0% decline contrast with a 1 year return of 1.0%, a 3 year return of 72.8%, and a 5 year return of 60.6%. Recent coverage of NMI Holdings has focused on its position within the diversified financials space and how it compares to peers, which helps frame those mixed short and longer term returns. These discussions often center on whether the business quality and balance sheet justify the current pricing, or whether there is a gap between market expectations and fundamentals. On Simply Wall St's valuation checks, NMI Holdings records a value score of 6 out of 6. The rest of this article will walk through the key valuation methods behind that result and then point to a fuller way of thinking about value at the end.  NMI Holdings delivered 1.0% returns over the last year. See how this stacks up to the rest of the Diversified Financial industry. AdvertisementApproach 1: NMI Holdings Excess Returns Analysis The Excess Returns model looks at how much profit a company is expected to earn above the return that equity investors typically require, then capitalizes those excess profits into an intrinsic value per share. For NMI Holdings, the model starts with an estimated Book Value of $33.98 per share and a Stable EPS of $5.91 per share, based on weighted future Return on Equity estimates from 4 analysts. The implied Cost of Equity is $3.23 per share, so the Excess Return is $2.68 per share. That excess is supported by an Average Return on Equity of 13.62% and a Stable Book Value estimate of $43.41 per share, sourced from 3 analysts. By projecting these excess returns forward and discounting them, the Excess Returns model arrives at an intrinsic value of about $110.04 per share. Compared with the recent share price of around $37.35, this framework suggests the stock is 66.1% undervalued on this measure. Result: UNDERVALUED Our Excess Returns analysis suggests NMI Holdings is undervalued by 66.1%. Track this in your watchlist or portfolio, or discover 63 more high quality undervalued stocks. NMIH Discounted Cash Flow as at Apr 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for NMI Holdings. Approach 2: NMI Holdings Price vs Earnings For a profitable company like NMI Holdings, the P/E ratio is a straightforward way to connect what you pay for each share with the earnings that support it. Investors generally look for a P/E that fits the company’s growth outlook and risk profile, with higher growth or lower perceived risk often linked to a higher “normal” P/E, and slower growth or higher risk aligned with a lower one. NMI Holdings currently trades on a P/E of 7.3x. That sits below the Diversified Financial industry average of 15.8x and the peer group average of 8.9x. Simply Wall St’s Fair Ratio for NMI Holdings is 10.4x, which is a proprietary estimate of what the P/E could be given factors such as its earnings growth profile, industry, profit margins, market cap and specific risks. This Fair Ratio can be more informative than a simple comparison with peers or the broad industry because it adjusts for the company’s own characteristics rather than assuming it should trade in line with the group. With the current P/E of 7.3x sitting below the Fair Ratio of 10.4x, this framework indicates that NMI Holdings may be undervalued on a P/E basis. Result: UNDERVALUED NasdaqGM:NMIH P/E Ratio as at Apr 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Start investing in legacies, not executives. Discover our 20 top founder-led companies. Upgrade Your Decision Making: Choose your NMI Holdings Narrative Earlier it was mentioned that there is an even better way to understand valuation. On Simply Wall St’s Community page you can use Narratives, where you set out your story for NMI Holdings, link that story to your own revenue, earnings and margin assumptions, turn those into a fair value, and then compare that fair value with the current price. The framework updates automatically as new news or earnings arrive. A more optimistic investor might build a Narrative around the higher analyst target near US$46.29, while a more cautious investor might anchor closer to the low US$43s. Both can clearly see how their different assumptions lead to different views on whether the current price around the mid US$30s looks attractive or stretched. Do you think there's more to the story for NMI Holdings? Head over to our Community to see what others are saying! NasdaqGM:NMIH 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if NMI Holdings might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"}}}