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NMI Holdings Inc. NMIH CALIFORNIA — Concentration risk

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Other financials

Income statement

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Revenue$183.5M+5.9%
Net income$99.3M-3.1%
EPS (diluted)$1.280.0%

Balance sheet

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Cash & equivalents$70.7M-4.8%
Total debt$8.5M-17.4%
Total equity$2.6B+13.4%
Total assets$3.9B+13.1%

Cash flow

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Operating cash flow$116.1M+14.8%
CapEx$1.1M-35.5%
Free cash flow$115.0M+15.6%

Valuation

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Market cap$3.31B+11.5%
P/E8.6×+0.7×
P/S4.6×+0.3×

Profitability

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Net margin53.8%-2.1pp
FCF margin59.7%+3.3pp

Returns & leverage

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Return on equity15.6%-1.8pp
Debt / equity0×0.0×

Where this comes from

Reported directly by NMI Holdings Inc. in its filing.

Tagged under the XBRL concept us-gaap:ConcentrationRiskPercentage1.

The source filing: NMI Holdings Inc.’s 10-K, filed February 12, 2026.

Filed
Feb 12, 2026, 4:25 PM EST
Fiscal year
FY2025
Accession
0001547903-26-000011

For the years ended December 31, 2025, 2024 and 2023, no customer accounted for more than 10% of our consolidated revenues. At December 31, 2025, 2024 and 2023 approximately 10% of our total risk-in-force (RIF) was concentrated in California.

Item 8. Financial Statements and Supplementary Data

FAQ

What is NMI Holdings Inc.'s CALIFORNIA — concentration risk?
NMI Holdings Inc. (NMIH) reported CALIFORNIA — concentration risk of 2.5% in Q4 2025.
How has NMI Holdings Inc.'s CALIFORNIA — concentration risk changed year-over-year?
NMI Holdings Inc.'s CALIFORNIA — concentration risk decreased by 0.0% year-over-year, from 2.5% to 2.5%.
What is the long-term trend for NMI Holdings Inc.'s CALIFORNIA — concentration risk?
Over 4 years (2021 to 2025), NMI Holdings Inc.'s CALIFORNIA — concentration risk has grown at a 0.0% compound annual growth rate (CAGR), from 10% to 10%.
What does CALIFORNIA — concentration risk mean?
This metric measures the exposure of the mortgage insurance portfolio to a specific geographic region, representing the proportion of total insured risk concentrated within that state. High levels of geographic concentration indicate increased vulnerability to localized economic downturns, natural disasters, or regional housing market volatility. Monitoring this metric helps investors assess the company's geographic diversification strategy and its potential sensitivity to regional credit events.

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