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NMI Holdings Inc. NMIH Products & Services — Defaults

Similar metrics at other companies

ESN
ESNTProperty Insurance Product Line — Cumulative Number of Reported Defaults
1,642,500%+77,800pp
Radian Group logo
RDNPrimary Mortgage Product — New Primary Defaults
13.6K+8.6%
ESN
ESNTNumber of loans increased in default
905—
Radian Group logo
RDNPrimary Mortgage Product — Default To Claim Rate Estimate Gross For New Defaults
7.5%0.0pp
Enact Holdings, Inc. logo
ACTDomestic mortgage insurance — Number of reported delinquencies
3,886,300%0.0pp
Radian Group logo
RDNPrimary Mortgage Product — Percentage Change In Number Of New Primary Default Notices
9%+3.0pp

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$3B+1.3%

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:ShortdurationInsuranceContractsNumberOfReportedClaims.

The official record: NMI Holdings Inc.’s 10-K, filed February 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is NMI Holdings Inc.'s products & services — defaults?
NMI Holdings Inc. (NMIH) reported products & services — defaults of 766,100% in Q4 2025.
How has NMI Holdings Inc.'s products & services — defaults changed year-over-year?
NMI Holdings Inc.'s products & services — defaults increased by 15.3% year-over-year, from 664,200% to 766,100%.
What does products & services — defaults mean?
This metric tracks the total number or volume of mortgage loans currently in default status that are covered by the company's insurance policies. It serves as a leading indicator of potential future claim activity and financial stress within the insured mortgage portfolio. Monitoring default trends is essential for assessing the credit quality of the underlying insured assets.