NMI Holdings Inc (NMIH) Stock Analysis
Breakout setup
Financial Services · Insurance - Specialty
Wait for pullback to $38.70. Weak momentum — blocks BUY_NOW at $40.41. Engine's entry $38.70 (50-day MA) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Analyst target reached - limited upside remaining.
NMI Holdings provides private mortgage insurance through NMIC and Re One subsidiaries, approved to insure loans guaranteed by Fannie Mae and Freddie Mac, with $221.4B of primary insurance-in-force and 2,193 customer lenders as of December 31, 2025. Revenue comes from mortgage... Read more
Wait for pullback to $38.70. Weak momentum — blocks BUY_NOW at $40.41. Engine's entry $38.70 (50-day MA) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 64, MACD bullish. Earnings in 0 days. Wait until post-earnings. Score 5.9/10, moderate confidence.
Passes 4/7 gates (positive momentum, clean insider activity, no SEC red flags, semi cycle peak clear). Fails on favorable risk/reward ratio and earnings proximity 0d<=7d. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMregulatoryWisconsin OCI10-K Item 1: 'NMIC and Re One are domiciled in Wisconsin and principally regulated by the Wisconsin OCI.'
Material Events(8-K, last 90d)
- 2026-02-12Item 5.02LOWBoard expanded to ten members; Renu Agrawal appointed as independent director effective Feb 12, 2026. Appointed to Audit Committee and Risk Committee. Standard non-employee director compensation.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $38.70. Weak momentum — blocks BUY_NOW at $40.41. Engine's entry $38.70 (50-day MA) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 64, MACD bullish. Earnings in 0 days. Wait until post-earnings. Target $41.42 (+2.5%), stop $37.02 (−9.2%), Setup A.R:R 1.6:1. Score 5.9/10, moderate confidence.
Take-profit target: $41.42 (+7.0% upside). Target $41.42 (+2.5%), stop $37.02 (−9.2%), Setup A.R:R 1.6:1. Stop-loss: $37.02.
Analyst target reached - limited upside remaining.
NMI Holdings Inc trades at a P/E of 8.4 (forward 7.5). TrendMatrix value score: 7.9/10. Verdict: Buy (Wait for Entry).
12 analysts cover NMIH with a consensus score of 4.0/5. Average price target: $46.
What does NMI Holdings Inc do?NMI Holdings provides private mortgage insurance through NMIC and Re One subsidiaries, approved to insure loans...
NMI Holdings provides private mortgage insurance through NMIC and Re One subsidiaries, approved to insure loans guaranteed by Fannie Mae and Freddie Mac, with $221.4B of primary insurance-in-force and 2,193 customer lenders as of December 31, 2025. Revenue comes from mortgage insurance premiums on high-LTV residential loans; no individual customer accounted for more than 10% of 2025 revenues.