NMI Holdings (NMIH) Lags Q4 Earnings and Revenue Estimates

Core Viewpoint - NMI Holdings (NMIH) reported quarterly earnings of $1.07 per share, missing the Zacks Consensus Estimate of$ 1.11 per share, but showing an increase from $1.01 per share a year ago, indicating a -3.60% earnings surprise [1][2] Financial Performance - The company posted revenues of$ 166.5 million for the quarter ended December 2024, which was below the Zacks Consensus Estimate by 1.65%, compared to $151.38 million in the same quarter last year [2] - Over the last four quarters, NMI Holdings has surpassed consensus EPS estimates three times and topped consensus revenue estimates three times [2] Stock Performance - NMI Holdings shares have increased approximately 6.2% since the beginning of the year, outperforming the S&P 500's gain of 3.1% [3] - The current consensus EPS estimate for the upcoming quarter is$ 1.13 on revenues of $173.11 million, and for the current fiscal year, it is$ 4.68 on revenues of $701.75 million [7] Industry Outlook - The Zacks Industry Rank for Insurance - Property and Casualty is currently in the bottom 47% of over 250 Zacks industries, suggesting that the industry outlook may negatively impact stock performance [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]