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$38.21 -0.82 (-2.10%) Play latest call Q3 2026 earnings call transcript
S&P 600 member Russell 2000 member Rebalance outlook locked
Market Cap
$2.91B
Shares
74.56M
Volume · Nov 9 64.8K Avg daily vol (3M) 721.79K

The company's filings, earnings calls and investor events, most recent first. Search and read these filings from Claude or ChatGPT with the SEC filings MCP server →

Annual report FY2025 Revenue $706.44M up 8.5% 10-K filed Feb 12, 2026 Quarterly report New FY2026 Q3 Revenue $187.55M up 5.0% 10-Q filed Nov 6, 2026 Latest results New Net Income Falls as Loss Ratio and Portfolio Rise 8-K filed Nov 5, 2026 Earnings call New Q3 2026 earnings call Held Nov 5, 2026
2026
Nov 6
Quarterly report 10-Q FY2026 Q3, ended Sep 30
IIF grows 5% while default rate rises to 1.23%

NMIH reported $229.7 billion of primary insurance-in-force as of September 30, 2026, up 5%. For the nine months ended September 30, 2026, new insurance written rose 21% and net premiums written rose 6%, while the default rate increased to 1.23% from 1.05%.

Revenue $187.55M ▲ 5.0% Net income $93.47M ▼ 2.6% Diluted EPS $1.23 ▲ 0.8%
Read from the MD&A section
6 source passages
NMIH, a Delaware corporation, was incorporated in May 2011, and we began start-up operations in 2012 and wrote our first MI policy in 2013. As of September 30, 2026, we had $229.7 billion of primary IIF and $61.6 billion of primary RIF. NIW increased 4% and 21%, respectively, during the three and nine months ended September 30, 2026 compared to the three and nine months ended September 30, 2025, due to growth in our customer franchise and market presence tied to the increased penetration of existing customer accounts and new customer activations. Primary IIF increased 5% at September 30, 2026 compared to September 30, 2025, primarily due to the NIW generated between such measurement dates, partially offset by the run-off of in-force policies. Net premiums written increased 5% and 6%, respectively, and net premiums earned increased 3% and 4%, respectively, during the three and nine months ended September 30, 2026 compared to the three and nine months ended September 30, 2025, primarily due to growth in our monthly IIF and direct monthly pay premium receipts, partially offset by the impact of ceded premiums written and earned under our third-party reinsurance transactions during each respective period. | Default rate (1) | 1.23 | % | 1.16 | % | 1.17 | % | 1.12 | % | 1.05 | % | Open the document at this passage
Nov 5
Earnings call
NMI Holdings posts $93.7 million adjusted net income

NMI Holdings generated $13.6 billion of NIW volume in the third quarter, ended with a record $229.7 billion of primary insurance in force, and reported $93.7 million in adjusted net income. New reinsurance treaties provide forward-flow coverage through 2030.

3 source passages
Good evening, and welcome to the NMI Holdings, Inc. third quarter, 2026 earnings conference call. We generated $13.6 billion of NIW volume and ended the period with a record $229.7 billion of high-quality, high-performing primary insurance in force. Total revenue in the third quarter was $187.5 million, and we delivered adjusted net income of $93.7 million, or $1.23 per diluted share, and a 13.9% adjusted return on equity. In October, we entered into a series of new quota share and excess of loss reinsurance treaties, which together further extend our comprehensive credit risk management program and provide us with forward flow coverage for all new business produced through 2030 at an estimated 4% pre-tax cost of capital. Open the document at this passage
Nov 5
Current report 8-K
Net Income Falls as Loss Ratio and Portfolio Rise

NMI Holdings, Inc. reported third-quarter net income of $93.5 million, or $1.23 per diluted share, versus $105.8 million in the second quarter. Primary insurance-in-force grew to $229.7 billion, while the loss ratio rose to 18.7% from 8.3%.

Financial results
3 source passages
NMI Holdings, Inc. (Nasdaq: NMIH) today reported net income of $93.5 million, or $1.23 per diluted share, for the third quarter ended September 30, 2026, compared to $105.8 million, or $1.38 per diluted share, for the second quarter ended June 30, 2026 and $96.0 million, or $1.22 per diluted share, for the third quarter ended September 30, 2025. Primary insurance-in-force at quarter end was $229.7 billion, compared to $227.1 billion at the end of the second quarter and $218.4 billion at the end of the third quarter of 2025. Insurance claims and claim expenses were $29.1 million, compared to $13.1 million in the second quarter and $18.6 million in the third quarter of 2025. Loss ratio was 18.7%, compared to 8.3% in the second quarter and 12.3% in the third quarter of 2025. Open the document at this passage
Jul 31
Quarterly report 10-Q FY2026 Q2, ended Jun 30
Quarterly report for FY2026 Q2 AI summary on its way
Revenue $187.89M ▲ 8.1% Net income $105.79M ▲ 10.0% Diluted EPS $1.38 ▲ 14.0%
May 1
Quarterly report 10-Q FY2026 Q1, ended Mar 31
Quarterly report for FY2026 Q1 AI summary on its way
Revenue $183.48M ▲ 5.9% Net income $99.33M ▼ 3.1% Diluted EPS $1.28 ▲ unchanged
Feb 12
Annual report 10-K FY2025, ended Dec 31
Annual report for FY2025 AI summary on its way
Revenue $706.44M ▲ 8.5% Net income $388.93M ▲ 8.0% Diluted EPS $4.92 ▲ 11.1%
2025
Nov 5
Quarterly report 10-Q FY2025 Q3, ended Sep 30
Quarterly report for FY2025 Q3
Revenue $178.68M ▲ 7.6% Net income $96M ▲ 3.4% Diluted EPS $1.22 ▲ 6.1%
Jul 30
Quarterly report 10-Q FY2025 Q2, ended Jun 30
Quarterly report for FY2025 Q2
Revenue $173.78M ▲ 7.2% Net income $96.15M ▲ 4.4% Diluted EPS $1.21 ▲ 7.1%
Apr 30
Quarterly report 10-Q FY2025 Q1, ended Mar 31
Quarterly report for FY2025 Q1
Revenue $173.25M ▲ 10.9% Net income $102.56M ▲ 15.2% Diluted EPS $1.28 ▲ 18.5%
Feb 14
Annual report 10-K FY2024, ended Dec 31
Annual report for FY2024
Revenue $650.97M ▲ 12.4% Net income $360.11M ▲ 11.8% Diluted EPS $4.43 ▲ 15.4%
2024
Nov 7
Quarterly report 10-Q FY2024 Q3, ended Sep 30
Quarterly report for FY2024 Q3
Revenue $166.09M ▲ 12.1% Net income $92.81M ▲ 10.5% Diluted EPS $1.15 ▲ 15.0%
Jul 31
Quarterly report 10-Q FY2024 Q2, ended Jun 30
Quarterly report for FY2024 Q2
Revenue $162.12M ▲ 13.6% Net income $92.08M ▲ 14.7% Diluted EPS $1.13 ▲ 18.9%
May 1
Quarterly report 10-Q FY2024 Q1, ended Mar 31
Quarterly report for FY2024 Q1
Revenue $156.25M ▲ 14.2% Net income $89.05M ▲ 19.6% Diluted EPS $1.08 ▲ 22.7%
Showing 1–50 of 131 documents
Key facts CIK 1547903 CUSIP 629209305 13F (30d) 163 filings 146 filers Visit website Investor relations