NMI Historical Financial Ratios

NMIH Stock

USD 35.51 0.02 0.06%

NMI Holdings is lately reporting on over 106 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Days Sales Outstanding of 0.0441 will help investors to properly organize and evaluate NMI Holdings financial condition quickly.

Quick Ratio Current Ratio

Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in NMI Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product.

For more detail on how to invest in NMI Stock please use our How to Invest in NMI Holdings guide.

About NMI Financial Ratios Analysis

NMI HoldingsFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate NMI Holdings investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on NMI financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across NMI Holdings history.

NMI Holdings Financial Ratios Chart

As of now, NMI Holdings' Operating Cash Flow Per Share is increasing as compared to previous years. The NMI Holdings' current PB Ratio is estimated to increase to 1.39, while Price To Sales Ratio is projected to decrease to 0.

Price To Sales Ratio Days Sales Outstanding Ev To Sales Payables Turnover Cash Flow Coverage Ratios

Add Fundamental

Price To Sales Ratio

Price to Sales Ratio is figured by comparing NMI Holdings stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on NMI Holdings sales, a figure that is much harder to manipulate than other NMI Holdings multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Ev To Sales

The Enterprise Value to Sales ratio, a valuation metric used to compare the value of a company, including debt and excluding cash, to its sales revenue.

Payables Turnover

A liquidity ratio that shows how quickly a company pays off its suppliers by dividing total purchases by average accounts payable.

Most ratios from NMI Holdings' fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into NMI Holdings current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in NMI Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product.

For more detail on how to invest in NMI Stock please use our How to Invest in NMI Holdings guide.As of now, NMI Holdings' Operating Cash Flow Per Share is increasing as compared to previous years. The NMI Holdings' current PB Ratio is estimated to increase to 1.39, while Price To Sales Ratio is projected to decrease to 0.

	2022	2023	2024	2025 (projected)
Graham Number	38.4	45.34	1.7K	1.8K
Receivables Turnover	5.75	5.57	7.9K	8.3K

Graham Number Receivables Turnover

NMI Holdings fundamentals Correlations

	Price To Sales Ratio	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Net Income Per Share	Payables Turnover	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Capex To Operating Cash Flow	Pfcf Ratio	Days Payables Outstanding	Income Quality	Roe	Ev To Operating Cash Flow	Pe Ratio	Return On Tangible Assets	Ev To Free Cash Flow
Price To Sales Ratio		-0.79	-0.56	-0.53	-0.63	-0.58	1.0	-0.79	0.92	-0.56	0.19	-0.19	0.18	1.0	-0.35	-0.85	-0.81	-0.5	-0.86	0.18	-0.22	-0.19	-0.34	-0.8	-0.23	-0.39
Ptb Ratio	-0.79		0.43	0.59	0.48	0.44	-0.79	1.0	-0.71	0.43	-0.14	0.14	-0.13	-0.78	0.45	0.66	1.0	0.38	0.66	-0.13	0.17	0.14	0.24	1.0	0.2	0.29
Days Sales Outstanding	-0.56	0.43		0.26	0.66	0.41	-0.55	0.43	-0.65	0.39	0.45	-0.45	0.42	-0.58	0.76	0.67	0.47	0.58	0.68	0.42	0.38	-0.45	0.57	0.47	-0.42	0.62
Book Value Per Share	-0.53	0.59	0.26		0.74	0.92	-0.52	0.59	-0.6	0.92	-0.62	0.62	-0.59	-0.55	0.25	0.59	0.65	0.37	0.55	-0.59	0.25	0.62	0.38	0.6	0.65	0.3
Free Cash Flow Yield	-0.63	0.48	0.66	0.74		0.9	-0.61	0.48	-0.79	0.89	-0.31	0.31	-0.3	-0.66	0.51	0.86	0.54	0.79	0.83	-0.3	0.25	0.31	0.77	0.5	0.34	0.73
Operating Cash Flow Per Share	-0.58	0.44	0.41	0.92	0.9		-0.56	0.44	-0.72	1.0	-0.58	0.58	-0.56	-0.6	0.27	0.73	0.51	0.56	0.7	-0.56	0.3	0.58	0.6	0.46	0.6	0.52
Capex To Depreciation	1.0	-0.79	-0.55	-0.52	-0.61	-0.56		-0.79	0.9	-0.54	0.18	-0.18	0.17	1.0	-0.33	-0.83	-0.81	-0.48	-0.84	0.17	-0.22	-0.18	-0.31	-0.8	-0.23	-0.36
Pb Ratio	-0.79	1.0	0.43	0.59	0.48	0.44	-0.79		-0.71	0.43	-0.14	0.14	-0.13	-0.78	0.45	0.66	1.0	0.38	0.66	-0.13	0.17	0.14	0.24	1.0	0.2	0.29
Ev To Sales	0.92	-0.71	-0.65	-0.6	-0.79	-0.72	0.9	-0.71		-0.7	0.25	-0.25	0.24	0.93	-0.44	-0.91	-0.75	-0.62	-0.92	0.24	-0.26	-0.25	-0.57	-0.73	-0.29	-0.61
Free Cash Flow Per Share	-0.56	0.43	0.39	0.92	0.89	1.0	-0.54	0.43	-0.7		-0.6	0.6	-0.57	-0.59	0.25	0.72	0.5	0.55	0.69	-0.57	0.29	0.6	0.59	0.45	0.62	0.51
Roic	0.19	-0.14	0.45	-0.62	-0.31	-0.58	0.18	-0.14	0.25	-0.6		-1.0	0.93	0.2	0.42	-0.23	-0.18	-0.12	-0.21	0.93	-0.01	-1.0	-0.15	-0.14	-1.0	-0.06
Net Income Per Share	-0.19	0.14	-0.45	0.62	0.31	0.58	-0.18	0.14	-0.25	0.6	-1.0		-0.95	-0.2	-0.42	0.23	0.18	0.12	0.21	-0.95	0.01	1.0	0.15	0.14	1.0	0.06
Payables Turnover	0.18	-0.13	0.42	-0.59	-0.3	-0.56	0.17	-0.13	0.24	-0.57	0.93	-0.95		0.18	0.39	-0.22	-0.17	-0.11	-0.2	1.0	0.01	-0.95	-0.14	-0.13	-0.95	-0.04
Capex To Revenue	1.0	-0.78	-0.58	-0.55	-0.66	-0.6	1.0	-0.78	0.93	-0.59	0.2	-0.2	0.18		-0.36	-0.87	-0.81	-0.52	-0.88	0.19	-0.23	-0.19	-0.37	-0.8	-0.24	-0.42
Cash Per Share	-0.35	0.45	0.76	0.25	0.51	0.27	-0.33	0.45	-0.44	0.25	0.42	-0.42	0.39	-0.36		0.43	0.46	0.39	0.43	0.39	0.28	-0.42	0.39	0.47	-0.39	0.42
Pocfratio	-0.85	0.66	0.67	0.59	0.86	0.73	-0.83	0.66	-0.91	0.72	-0.23	0.23	-0.22	-0.87	0.43		0.71	0.86	1.0	-0.22	0.33	0.23	0.78	0.69	0.27	0.8
Interest Coverage	-0.81	1.0	0.47	0.65	0.54	0.51	-0.81	1.0	-0.75	0.5	-0.18	0.18	-0.17	-0.81	0.46	0.71		0.42	0.71	-0.17	0.22	0.17	0.3	1.0	0.23	0.33
Capex To Operating Cash Flow	-0.5	0.38	0.58	0.37	0.79	0.56	-0.48	0.38	-0.62	0.55	-0.12	0.12	-0.11	-0.52	0.39	0.86	0.42		0.85	-0.11	0.23	0.12	0.93	0.42	0.14	0.93
Pfcf Ratio	-0.86	0.66	0.68	0.55	0.83	0.7	-0.84	0.66	-0.92	0.69	-0.21	0.21	-0.2	-0.88	0.43	1.0	0.71	0.85		-0.2	0.33	0.21	0.77	0.7	0.25	0.8
Days Payables Outstanding	0.18	-0.13	0.42	-0.59	-0.3	-0.56	0.17	-0.13	0.24	-0.57	0.93	-0.95	1.0	0.19	0.39	-0.22	-0.17	-0.11	-0.2		0.01	-0.95	-0.14	-0.13	-0.95	-0.04
Income Quality	-0.22	0.17	0.38	0.25	0.25	0.3	-0.22	0.17	-0.26	0.29	-0.01	0.01	0.01	-0.23	0.28	0.33	0.22	0.23	0.33	0.01		0.01	0.32	0.23	0.02	0.33
Roe	-0.19	0.14	-0.45	0.62	0.31	0.58	-0.18	0.14	-0.25	0.6	-1.0	1.0	-0.95	-0.19	-0.42	0.23	0.17	0.12	0.21	-0.95	0.01		0.15	0.13	1.0	0.06
Ev To Operating Cash Flow	-0.34	0.24	0.57	0.38	0.77	0.6	-0.31	0.24	-0.57	0.59	-0.15	0.15	-0.14	-0.37	0.39	0.78	0.3	0.93	0.77	-0.14	0.32	0.15		0.29	0.16	0.99
Pe Ratio	-0.8	1.0	0.47	0.6	0.5	0.46	-0.8	1.0	-0.73	0.45	-0.14	0.14	-0.13	-0.8	0.47	0.69	1.0	0.42	0.7	-0.13	0.23	0.13	0.29		0.19	0.33
Return On Tangible Assets	-0.23	0.2	-0.42	0.65	0.34	0.6	-0.23	0.2	-0.29	0.62	-1.0	1.0	-0.95	-0.24	-0.39	0.27	0.23	0.14	0.25	-0.95	0.02	1.0	0.16	0.19		0.07
Ev To Free Cash Flow	-0.39	0.29	0.62	0.3	0.73	0.52	-0.36	0.29	-0.61	0.51	-0.06	0.06	-0.04	-0.42	0.42	0.8	0.33	0.93	0.8	-0.04	0.33	0.06	0.99	0.33	0.07

Click cells to compare fundamentals

NMI Holdings Account Relationship Matchups

NMI Holdings fundamentals Accounts

	2020	2021	2022	2023	2024	2025 (projected)
Price To Sales Ratio	4.05	3.85	3.38	4.22	0.004509	0.004283
Ptb Ratio	2.41	1.29	1.19	1.1	1.27	1.39
Days Sales Outstanding	56.39	60.64	63.52	65.54	0.0464	0.0441
Book Value Per Share	21.29	22.1	19.0	23.37	27.77	29.16
Operating Cash Flow Per Share	3.24	3.8	3.69	4.16	4.93	5.18
Stock Based Compensation To Revenue	0.0255	0.0343	0.0294	0.0292	3.0E-5	2.9E-5
Capex To Depreciation	1.07	1.22	1.09	0.89	0.81	0.93
Pb Ratio	2.41	1.29	1.19	1.1	1.27	1.39
Ev To Sales	4.67	4.51	4.06	4.75	0.004425	0.004204
Free Cash Flow Per Share	3.08	3.66	3.57	4.04	4.93	5.18
Roic	0.0449	0.0536	0.16	0.15	(2.3K)	(2.2K)
Net Income Per Share	2.2	2.7	3.45	3.91	4.5K	4.7K
Capex To Revenue	0.0279	0.0252	0.0202	0.0162	0.0186	0.0177
Cash Per Share	17.45	24.68	25.22	4.04	0.68	0.65
Pocfratio	7.0	5.74	5.66	7.14	7.46	7.83
Interest Coverage	8.81	9.27	12.39	17.91	14.43	15.16
Capex To Operating Cash Flow	0.0481	0.0376	0.0337	0.0273	0.0246	0.0258
Pfcf Ratio	7.35	5.97	5.86	7.34	7.46	7.83
Income Quality	1.21	1.47	1.41	1.07	1.06	0.8
Roe	0.15	0.18	0.13	0.17	162.4	170.52
Ev To Operating Cash Flow	8.07	6.73	6.79	8.02	7.32	7.68
Pe Ratio	10.3	8.09	6.06	7.59	0.008151	0.008558
Return On Tangible Assets	0.0804	0.0957	0.12	0.11	107.61	112.99
Ev To Free Cash Flow	8.48	6.99	7.03	8.24	7.32	4.41
Earnings Yield	0.0971	0.12	0.17	0.13	122.69	128.83
Intangibles To Total Assets	0.0154	0.0146	0.0141	0.001236	0.001085	0.001031
Net Debt To E B I T D A	1.08	0.95	0.84	0.66	0.76	0.72
Current Ratio	25.53	25.37	9.36	6.63	0.43	0.4
Tangible Book Value Per Share	20.86	21.68	18.58	23.33	27.73	29.11
Receivables Turnover	6.47	6.02	5.75	5.57	7.9K	8.3K
Graham Number	29.47	33.33	38.4	45.34	1.7K	1.8K
Shareholders Equity Per Share	17.55	18.29	19.0	23.37	27.77	29.16
Debt To Equity	0.21	0.16	0.29	0.25	0.19	0.17
Graham Net Net	16.96	17.51	10.71	(7.32)	(12.73)	(12.09)
Revenue Per Share	5.59	5.67	6.18	7.03	8.2K	8.6K
Interest Debt Per Share	5.35	4.98	5.04	5.22	462.1	485.21

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When determining whether NMI Holdings offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of NMI Holdings' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Nmi Holdings Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Nmi Holdings Stock:

How To Invest In NMI

Details

Is NMI Stock a good investment?

Details

What is NMI Holdings' Net Worth?

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Largest Commercial & Residential Mortgage Finance Companies

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For more detail on how to invest in NMI Stock please use our How to Invest in NMI Holdings guide.

You can also try the Piotroski F Score module to get Piotroski F Score based on the binary analysis strategy of nine different fundamentals.

Is Commercial & Residential Mortgage Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of NMI Holdings. If investors know NMI will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about NMI Holdings listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.058

Earnings Share

4.43

Revenue Per Share

8.153

Quarterly Revenue Growth

0.1

Return On Assets

0.0994

The market value of NMI Holdings is measured differently than its book value, which is the value of NMI that is recorded on the company's balance sheet. Investors also form their own opinion of NMI Holdings' value that differs from its market value or its book value, called intrinsic value, which is NMI Holdings' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because NMI Holdings' market value can be influenced by many factors that don't directly affect NMI Holdings' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between NMI Holdings' value and its price as these two are different measures arrived at by different means. Investors typically determine if NMI Holdings is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, NMI Holdings' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Operating Cycle	Price Book Value Ratio
Price Earnings To Growth Ratio	Days Of Payables Outstanding
Dividend Payout Ratio	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Cash Conversion Cycle
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

NMI Historical Financial Ratios

About NMI Financial Ratios Analysis

NMI Holdings Financial Ratios Chart

Price To Sales Ratio

Ev To Sales

Payables Turnover

NMI Holdings fundamentals Correlations

NMI Holdings Account Relationship Matchups

High Positive Relationship

High Negative Relationship

NMI Holdings fundamentals Accounts

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Capex To Depreciation	+ 1.0	Price To Sales Ratio
Capex To Revenue	+ 1.0	Price To Sales Ratio
Pb Ratio	+ 1.0	Ptb Ratio
Interest Coverage	+ 1.0	Ptb Ratio
Pe Ratio	+ 1.0	Ptb Ratio
Free Cash Flow Per Share	+ 1.0	Operating Cash Flow Per Share

Return On Tangible Assets	- 1.0	Roic
Roe	- 1.0	Roic
Net Income Per Share	- 1.0	Roic
Return On Tangible Assets	- 0.95	Days Payables Outstanding
Roe	- 0.95	Days Payables Outstanding
Return On Tangible Assets	- 0.95	Payables Turnover