NMI Holdings, Inc.NMIHNASDAQ

Revenue (LTM)

$706M

+8.4% YoY

Net Income (LTM)

$389M

+8.0% YoY

Free Cash Flow

$413M

Revenue CAGR (5Y)

+10.1%

Marginsdeclining

FCF$0.4B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	486	524↑8.0%	579↑10.4%	651↑12.4%	706↑8.4%
Gross Profit	471	527↑11.9%	556↑5.4%	619↑11.4%	648↑4.7%
Operating Income	297	377↑27.2%	413↑9.4%	463↑12.3%	500↑7.9%
Net Income	231	293↑26.7%	322↑10.0%	360↑11.8%	389↑8.0%
EBITDA	340	421↑24.0%	456↑8.3%	512↑12.2%	528↑3.1%
EPS Diluted	2.65	3.39↑27.9%	3.84↑13.3%	4.43↑15.4%	4.92↑11.1%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	73	42↓42.5%	95↑125.7%	54↓43.1%	44↓19.0%
Total Current Assets	73	42↓42.5%	95↑125.7%	54↓43.1%	130↑140.1%
Total Assets	2,451	2,516↑2.7%	2,941↑16.9%	3,350↑13.9%	3,841↑14.7%
Total Current Liabilities	3	3↓0.0%	3↓0.0%	16↑524.0%	400,258↑2565656.4%
Total Liabilities	885	902↑2.0%	1,015↑12.4%	1,133↑11.6%	1,249,112↑110192.9%
Total Equity	1,566	1,614↑3.1%	1,926↑19.4%	2,217↑15.1%	2,592↑16.9%
Total Debt	395	396↑0.4%	398↑0.4%	415↑4.4%	417↑0.5%
Net Debt	321	354↑10.2%	302↓14.6%	361↑19.4%	373↑3.4%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	326	313↓3.8%	343↑9.3%	394↑14.9%	419↑6.5%
Capital Expenditure	-12	-11↑13.6%	-9↑11.4%	-7↑26.3%	-7↑1.8%
Free Cash Flow	313	303↓3.4%	333↑10.1%	387↑16.0%	413↑6.7%
Stock-Based Comp	17	15↓7.5%	17↑9.7%	20↑17.1%	20↑1.9%
Net Change in Cash	-50	-32↑35.9%	52↑262.2%	-42↓181.1%	-10↑75.5%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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