What is NMI Holdings Inc.'s products & services — year 4?

NMI Holdings Inc. (NMIH) reported products & services — year 4 of 16% in Q4 2025.

How has NMI Holdings Inc.'s products & services — year 4 changed year-over-year?

NMI Holdings Inc.'s products & services — year 4 increased by 23.1% year-over-year, from 13% to 16%.

What does products & services — year 4 mean?

This metric measures the financial performance of the mortgage insurance segment during the fourth year of the reporting cycle. It highlights the segment's capacity to maintain revenue streams amidst evolving interest rate environments and housing market conditions. Consistent performance here indicates a stable and reliable core business model.

NMI Holdings Inc. NMIH Products & Services — Year 4

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AGOFinancial Guarantee Insurance Product Line — 2026 (April 1 - June 30)

$91M+19.7%

AGOFinancial Guarantee Insurance Product Line — 2026 (July 1 - September 30)

$89M+18.7%

AGOFinancial Guarantee Insurance Product Line — 2036-2040

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AGOFinancial Guarantee Insurance Product Line — 2030-2034

$128M-87.7%

AGOFinancial Guarantee Insurance Product Line — 2041-2045

$447M+13.7%

Other financials

Income statement

See full

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$2.92B+1.3%

P/E7.6×-0.1×

P/S4.1×-0.2×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 4?: NMI Holdings Inc. (NMIH) reported products & services — year 4 of 16% in Q4 2025.
How has NMI Holdings Inc.'s products & services — year 4 changed year-over-year?: NMI Holdings Inc.'s products & services — year 4 increased by 23.1% year-over-year, from 13% to 16%.
What does products & services — year 4 mean?: This metric measures the financial performance of the mortgage insurance segment during the fourth year of the reporting cycle. It highlights the segment's capacity to maintain revenue streams amidst evolving interest rate environments and housing market conditions. Consistent performance here indicates a stable and reliable core business model.