NMIH

🏦 Financial Services

NMI Holdings, Inc.

Conservative #44Aggressive #458Low Risk

$39.04+0.64%

Day High$39.27

Day Low$38.67

Volume0.5M

Mkt Cap$3.0B

52W Low $3252W High $43

Market Cap

$3.0B

P/E Ratio

7.7

Sector avg: 13.0

Rev Growth

8.4%

Sector avg: 9.5%

Earnings Growth

8.0%

Profit Margin

55.1%

Sector avg: 36.3%

Debt/Equity

0.00

Score Breakdown

Overall Score80.0

Fundamental Score76.1

ML Score78.2

Score by Horizon

3 Month

79.0

6 Month

88.3

Primary

1 Year

93.0

Quality Assessment

Earnings Grade

Strong fundamentals, high earnings quality

Position Sizing

Suggested Allocation

Confidence

high

Analysis Signals

Positive Signals

Fundamental: 76.1 (sector-relative)

ML percentile=78.2 (pre-ranked by batch)

Procyclicality dampener: ML weight reduced to 9.0% (S&P 500 return=25.0% > 20% (extended rally); Yield curve inverted (-10bp) — recession signal; Late-cycle score 2/3 → ML weight ×0.90)

Blend: 91% fund (76.1) + 9% ML (75.9) = 76.1

Market-cap adj: -4.0pt ($3.0B)

Risk Signals

Risk (low): Very low vol 5.9% → +10.1pt stability bonus; Drawdown 14% → -2.3pt

Sector Peer Comparison(Financial Services — 11 stocks in universe)

Stock	Score	P/E	Rev Growth	Margin	Mkt Cap
NMIHNMI Holdings, Inc.	80.0	7.7	8.4%	55.1%	$3.0B
TROWT. Rowe Price Group, Inc.	97.2	10.1	3.1%	28.5%	$20.5B
ACGLArch Capital Group Ltd.	93.9	8.3	14.7%	22.8%	$35.7B
CINFCincinnati Financial Corporation	92.9	10.7	11.4%	18.9%	$25.4B
OZKBank OZK	82.9	7.7	1.1%	25.5%	$5.6B
ACTEnact Holdings, Inc.	80.3	8.9	2.4%	54.6%	$6.0B
Sector Average	83.7	13.0	9.5%	36.3%	—

Why This Stock

Financial ServicesReasonable P/EHealthy profit margin

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.