What is NMI Holdings Inc.'s products & services — year 7?

NMI Holdings Inc. (NMIH) reported products & services — year 7 of 1% in Q4 2025.

What does products & services — year 7 mean?

This metric tracks the financial performance of the mortgage insurance product line in the seventh year. It is used to assess the segment's resilience through various economic cycles and its continued relevance to mortgage lenders. Investors monitor this to gauge the long-term compounding effect of the insurance business on total revenue.

NMI Holdings Inc. NMIH Products & Services — Year 7

Similar metrics at other companies

AGOFinancial Guarantee Insurance Product Line — 2027

$326M+11.3%

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

$89M+18.7%

AGOFinancial Guarantee Insurance Product Line — 2026 (October 1 - December 31)

$87M+19.2%

AGOFinancial Guarantee Insurance Product Line — 2028

$304M+9.4%

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

$91M+19.7%

ESN

ESNTProperty Insurance Product Line — Year 7

1%0.0pp

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

See full

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

See full

Net margin53.8%-2.1pp

FCF margin59.7%+3.3pp

Returns & leverage

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSeven.

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

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What is NMI Holdings Inc.'s products & services — year 7?: NMI Holdings Inc. (NMIH) reported products & services — year 7 of 1% in Q4 2025.
What does products & services — year 7 mean?: This metric tracks the financial performance of the mortgage insurance product line in the seventh year. It is used to assess the segment's resilience through various economic cycles and its continued relevance to mortgage lenders. Investors monitor this to gauge the long-term compounding effect of the insurance business on total revenue.