NMI (US:NMIH) ZACKSยท2025-07-29 23:01Core Insights - NMI Holdings (NMIH) reported a revenue of $173.78 million for the quarter ended June 2025, marking a year-over-year increase of 7.2% and exceeding the Zacks Consensus Estimate by 1.87% [1] - The earnings per share (EPS) for the same period was $1.22, slightly up from $1.20 a year ago, with an EPS surprise of 5.17% compared to the consensus estimate of $1.16 [1] Financial Performance Metrics - Insurance-in-force (IIF) reached $214.65 billion, surpassing the average estimate of $211.73 billion from three analysts [4] - Risk-in-force (RIF) was reported at $57.5 billion, exceeding the average estimate of $55.61 billion from three analysts [4] - The combined ratio stood at 28.8%, better than the three-analyst average estimate of 30% [4] - The loss ratio was 9%, slightly better than the average estimate of 9.1% [4] - The expense ratio was reported at 19.8%, lower than the three-analyst average estimate of 20.9% [4] - Net investment income was $24.95 million, exceeding the average estimate of $23.11 million and reflecting a year-over-year change of 20.6% [4] - Net premiums earned amounted to $149.07 million, surpassing the average estimate of $147.25 million with a year-over-year increase of 5.6% [4] - Other revenues were reported at $0.16 million, below the average estimate of $0.23 million, showing a significant year-over-year decline of 38.4% [4] Stock Performance - NMI Holdings' shares have returned -10.4% over the past month, contrasting with the Zacks S&P 500 composite's increase of 3.6% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]