NMI Holdings, Inc. (NMIH)

In the past six months, NMI Holdings reported its third-quarter 2025 financial results with a net income of $96.0 million and total revenue of $178.7 million. NMIH shares fell 3.54% on January 13, 2026, reaching an intraday low of $37.73. Director Michael J. Embler sold 20,000 shares for $738,000 on November 19, 2025. Barclays reaffirmed a "Hold" rating on January 7, 2026, raising its price target to $44. The average target price from six analysts is $45.33, indicating an "Outperform" status. The company is scheduled to announce its fourth-quarter 2025 financial results on February 10, 2026.

NMI Holdings, Inc.'s business experiences demand seasonality due to its ties to the mortgage market. A slight rise in defaults was noted in the third quarter of 2025 due to normal second-half seasonality. Historically, seasonal patterns in the stock's performance have been observed, with a "Buy Date" of July 10 and a "Sell Date" of October 15 showing positive returns above the S&P 500.

NMI Holdings, Inc. operates in the Finance sector, providing private mortgage guaranty insurance to protect lenders and investors from mortgage defaults. Its main products include primary mortgage insurance and pool insurance, along with reinsurance and loan review services. The company serves a diverse range of clients, including national and regional mortgage banks, credit unions, and internet-sourced lenders.

NMI Holdings, Inc. is headquartered in Emeryville, California, and its subsidiary, National Mortgage Insurance Corporation (NMIC), is licensed to operate in all 50 U.S. states and the District of Columbia. The company's operations are primarily within the United States, with some services potentially extending to Canada.

NMI Holdings, Inc. has maintained a positive brand reputation, being certified as a "Great Place to Work" for the tenth consecutive year in June 2025. The company received strong financial strength and debt ratings from Fitch, Moody's, and S&P. National MI is recognized as a leading player in the U.S. mortgage insurance industry, having served nearly 2 million borrowers.

Institutional investors hold a significant portion of NMI Holdings, Inc. stock, ranging from approximately 76.28% to 96.73%. Major institutional owners include Vanguard Group Inc., BlackRock, Inc., and State Street Corp. Individual owners, including company insiders, hold a smaller percentage, estimated between 1.97% and 3.00% of the stock.