NMI Holdings Inc (NASDAQ:NMIH) Given Average Recommendation of "Moderate Buy" by Analysts

Key Points

• Analyst consensus: Five brokers give NMI an average rating of "Moderate Buy" (four buys, one hold) with a 1‑year average price target of $43.20 and recent targets ranging roughly $43–$50.
• Q1 beat but mixed signals: NMI reported EPS of $1.28 vs. $1.22 expected and revenue of $183.5M with insurance‑in‑force up to $222.3B, yet weaker policyholder persistency and higher claims could pressure future margins.
• Insider and institutional positioning: Company insiders sold 189,412 shares worth about $7.36M in the past 90 days (insiders now own 2.44%), while institutional investors own roughly 94.12% of the stock.

Shares of NMI Holdings Inc (NASDAQ:NMIH - Get Free Report) have been assigned an average rating of "Moderate Buy" from the five brokerages that are covering the company, MarketBeat.com reports. One analyst has rated the stock with a hold rating and four have given a buy rating to the company. The average 1 year price objective among brokers that have issued a report on the stock in the last year is $43.20.

A number of equities research analysts recently weighed in on NMIH shares. JPMorgan Chase & Co. lowered their target price on shares of NMI from $44.00 to $43.00 and set an "overweight" rating on the stock in a report on Thursday, April 9th. Barclays lowered their target price on shares of NMI from $44.00 to $43.00 and set an "equal weight" rating on the stock in a report on Monday, April 6th. Weiss Ratings reiterated a "buy (b)" rating on shares of NMI in a research note on Thursday, January 22nd. Keefe, Bruyette & Woods increased their price objective on shares of NMI from $48.00 to $50.00 and gave the company an "outperform" rating in a research note on Friday, April 10th. Finally, UBS Group set a $43.00 price objective on shares of NMI in a research note on Monday, January 12th.

Insider Buying and Selling at NMI

In other NMI news, EVP Mohammad Nawaz Yousaf sold 16,000 shares of the stock in a transaction dated Tuesday, February 17th. The shares were sold at an average price of $39.89, for a total value of $638,240.00. Following the completion of the sale, the executive vice president owned 38,733 shares in the company, valued at approximately $1,545,059.37. This trade represents a 29.23% decrease in their position. The transaction was disclosed in a filing with the SEC, which is accessible through the SEC website. Also, Chairman Bradley M. Shuster sold 18,953 shares of the stock in a transaction dated Tuesday, March 24th. The shares were sold at an average price of $37.35, for a total transaction of $707,894.55. Following the completion of the sale, the chairman owned 415,411 shares of the company's stock, valued at approximately $15,515,600.85. This trade represents a 4.36% decrease in their position. The disclosure for this sale is available in the SEC filing. In the last 90 days, insiders sold 189,412 shares of company stock worth $7,357,746. Insiders own 2.44% of the company's stock.

Institutional Investors Weigh In On NMI

Institutional investors and hedge funds have recently added to or reduced their stakes in the company. Allworth Financial LP increased its stake in NMI by 196.0% in the 3rd quarter. Allworth Financial LP now owns 660 shares of the financial services provider's stock valued at $25,000 after buying an additional 437 shares during the last quarter. Maseco LLP bought a new position in shares of NMI during the 4th quarter valued at approximately $31,000. IFP Advisors Inc grew its position in shares of NMI by 189.5% during the 4th quarter. IFP Advisors Inc now owns 796 shares of the financial services provider's stock valued at $32,000 after acquiring an additional 521 shares during the period. Farther Finance Advisors LLC grew its position in shares of NMI by 161.5% during the 4th quarter. Farther Finance Advisors LLC now owns 1,004 shares of the financial services provider's stock valued at $41,000 after acquiring an additional 620 shares during the period. Finally, Rockefeller Capital Management L.P. grew its position in shares of NMI by 35.0% during the 4th quarter. Rockefeller Capital Management L.P. now owns 1,160 shares of the financial services provider's stock valued at $47,000 after acquiring an additional 301 shares during the period. Hedge funds and other institutional investors own 94.12% of the company's stock.

NMI Stock Performance

NMIH opened at $37.21 on Monday. The company has a debt-to-equity ratio of 0.16, a current ratio of 0.63 and a quick ratio of 0.57. NMI has a fifty-two week low of $34.84 and a fifty-two week high of $43.20. The firm has a market capitalization of $2.83 billion, a PE ratio of 7.58, a P/E/G ratio of 1.07 and a beta of 0.59. The company's 50-day moving average is $38.65 and its 200 day moving average is $38.61.

NMI (NASDAQ:NMIH - Get Free Report) last posted its earnings results on Thursday, April 30th. The financial services provider reported $1.28 earnings per share for the quarter, topping analysts' consensus estimates of $1.22 by $0.06. NMI had a net margin of 53.82% and a return on equity of 15.18%. The company had revenue of $183.48 million for the quarter, compared to analyst estimates of $153.99 million. During the same quarter in the prior year, the business posted $1.28 EPS. The firm's revenue was up 5.9% compared to the same quarter last year. As a group, research analysts predict that NMI will post 5.13 earnings per share for the current fiscal year.

Key NMI News

Here are the key news stories impacting NMI this week:

• Positive Sentiment: Q1 headline beat — NMI reported EPS of $1.28 vs. the Zacks consensus $1.22 and revenue of about $183.5M (up ~5.9% Y/Y), signaling continued profitability and top-line growth. NMI Holdings (NMIH) Tops Q1 Earnings and Revenue Estimates
• Positive Sentiment: Core scale metric improved — primary insurance in force rose to $222.3 billion year-over-year, supporting future fee and premium income growth. NMI Holdings Q1 Earnings, Revenues Top, Insurance in Force Rises Y/Y
• Positive Sentiment: Net income and adjusted net income were solid — reported net income of $99.3M ($1.28/sh) and adjusted results roughly in line, showing stable underlying earnings power. NMI Holdings, Inc. Reports First Quarter 2026 Financial Results
• Neutral Sentiment: Previews and call materials provide context but no major guidance change — analyst previews and the earnings-call transcript give detail on metrics and trends without altering the upside beat story materially. Investors will parse the call for forward commentary. NMI Holdings, Inc. (NMIH) Q1 2026 Earnings Call Transcript
• Negative Sentiment: Persistency slipped and claims surged — while revenues and EPS beat, Zacks and other summaries flagged weaker policyholder persistency and higher claims activity in the quarter, which can pressure future earnings and margins and likely explains the negative investor reaction. NMI Holdings Q1 Earnings, Revenues Top, Insurance in Force Rises Y/Y

NMI Company Profile

NMI Holdings, Inc NASDAQ: NMIH is a publicly traded mortgage insurance company that provides private mortgage insurance to lenders across the United States and Canada. Through its principal subsidiary, National Mortgage Insurance Corporation, NMI underwrites and issues policies that protect originators and investors against losses arising from borrower default on residential mortgage loans. By mitigating credit risk on higher‐loan‐to‐value mortgages, the company supports homebuyers' access to financing and contributes to overall market liquidity.

Beyond its core mortgage insurance products, NMI offers credit risk‐sharing and reinsurance solutions designed to help clients optimize capital utilization and manage portfolio exposure.

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