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NMI Holdings Inc. NMIH Q4 2025 Annual earnings

Reported February 10, 2026 · After market close

Revenue$152.5MMiss by $279.0K
EPS$1.20Beat by $0.03
Revenue estimate$152.7M
EPS estimate$1.17

Next report

Nov 3, 2026 (in 2 months)
Revenue estimate$159.0M
EPS estimate$1.30

Financials

Q4 2025

Income statement

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Revenue$180.7M+8.5%
Net income$94.2M+9.3%
EPS (diluted)$1.20+12.1%

Balance sheet

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Cash & equivalents$43.9M-19.1%
Total debt$8.5M-17.4%
Total equity$2.6B+16.9%
Total assets$3.8B+14.7%

Cash flow

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Operating cash flow$61.7M+72.4%
CapEx$1.6M+18.0%
Free cash flow$60.1M+74.6%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$3.14B+7.8%
Enterprise value$3.1B+8.2%
P/E8.1×0.0×
P/S4.4×0.0×

Profitability

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Net margin55.1%-0.3pp
FCF margin58.4%-1.0pp

Returns & leverage

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Return on equity16.2%-1.2pp
Debt / equity0×0.0×

FAQ

When did NMI Holdings Inc. report Q4 2025 earnings?
NMI Holdings Inc. (NMIH) reported Q4 2025 earnings on February 10, 2026 after market close.
What were NMI Holdings Inc.'s Q4 2025 revenue and EPS?
NMI Holdings Inc. reported revenue of $152.5M and eps of $1.20 for Q4 2025.
Did NMI Holdings Inc. beat estimates in Q4 2025?
Revenue missed the consensus estimate of $152.7M by $279.0K. EPS beat the consensus estimate of $1.17 by $0.03.
How did NMI Holdings Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 8.4% from $166.5M a year earlier and eps grew 12.1% from $1.07.
Where can I find NMI Holdings Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001547903-26-000004) and the 10-K periodic report (0001547903-26-000011) directly on SEC EDGAR. The filing index links above go to sec.gov.