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NMI Holdings Inc. NMIH Products & Services — Year 1

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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$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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 — year 1?
NMI Holdings Inc. (NMIH) reported products & services — year 1 of 3% in Q4 2025.
How has NMI Holdings Inc.'s products & services — year 1 changed year-over-year?
NMI Holdings Inc.'s products & services — year 1 decreased by 0.0% year-over-year, from 3% to 3%.
What does products & services — year 1 mean?
This metric represents the performance or loss development data specifically for the first year of an insurance policy's life or a specific cohort's first year of activity. It is used to analyze early-stage claim frequency and the initial risk profile of newly underwritten mortgage insurance business. Analyzing year-one data helps in identifying shifts in underwriting standards or changes in the macroeconomic environment.