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NMI Holdings (NMIH) Reports Q3 Earnings: What Key Metrics Have to Say
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NMI Holdings (NMIH - Free Report) reported $187.55 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 5%. EPS of $1.23 for the same period compares to $1.21 a year ago.
The reported revenue represents a surprise of -1.28% over the Zacks Consensus Estimate of $189.98 million. With the consensus EPS estimate being $1.32, the EPS surprise was -6.82%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how NMI Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Insurance-in-force (IIF): $229.65 billion versus $225.78 billion estimated by two analysts on average.
Risk-in-force (RIF): $61.6 billion versus the two-analyst average estimate of $62.31 billion.
Combined ratio: 38.5% compared to the 33.2% average estimate based on two analysts.
Loss ratio: 18.7% versus 13.5% estimated by two analysts on average.
Expense ratio: 19.8% versus 19.8% estimated by two analysts on average.
Revenues- Net premiums earned: $155.45 million versus $160.46 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +2.7% change.
Revenues- Net investment income: $32.2 million compared to the $29.25 million average estimate based on two analysts. The reported number represents a change of +20.3% year over year.
Shares of NMI Holdings have returned +11.2% over the past month versus the Zacks S&P 500 composite's -0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
View the Zacks #1 Rank List
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NMI Holdings (NMIH) Reports Q3 Earnings: What Key Metrics Have to Say
NMI Holdings (NMIH - Free Report) reported $187.55 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 5%. EPS of $1.23 for the same period compares to $1.21 a year ago.
The reported revenue represents a surprise of -1.28% over the Zacks Consensus Estimate of $189.98 million. With the consensus EPS estimate being $1.32, the EPS surprise was -6.82%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how NMI Holdings performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for NMI Holdings here>>>
Shares of NMI Holdings have returned +11.2% over the past month versus the Zacks S&P 500 composite's -0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.