NMI Holdings Inc (NMIH) Stock Analysis
Temp Headwind edge
Financial Services · Insurance - Specialty
Wait for pullback to $37.43. At $37.91 the A.R:R is 1.1:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $37.43 (Support Atr Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 5.6%; Negative momentum.
NMI Holdings provides private mortgage insurance through NMIC and Re One subsidiaries, approved to insure loans guaranteed by Fannie Mae and Freddie Mac, with $221.4B of primary insurance-in-force and 2,193 customer lenders as of December 31, 2025. Revenue comes from mortgage... Read more
Wait for pullback to $37.43. At $37.91 the A.R:R is 1.1:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $37.43 (Support Atr Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 5.6%; Negative momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. V9 Gate blocked: Momentum 1.7 < 4.5 minimum; R/R 1.1x at spot < 1.5 minimum. Wait for improvement. Score 5.9/10, moderate confidence.
Passes 4/6 gates (clean insider activity, no SEC red flags, earnings proximity no date, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMregulatoryWisconsin OCI10-K Item 1: 'NMIC and Re One are domiciled in Wisconsin and principally regulated by the Wisconsin OCI.'
Material Events(8-K, last 90d)
- 2026-02-12Item 5.02LOWBoard expanded to ten members; Renu Agrawal appointed as independent director effective Feb 12, 2026. Appointed to Audit Committee and Risk Committee. Standard non-employee director compensation.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $37.43. At $37.91 the A.R:R is 1.1:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $37.43 (Support Atr Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 5.6%; Negative momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. V9 Gate blocked: Momentum 1.7 < 4.5 minimum; R/R 1.1x at spot < 1.5 minimum. Wait for improvement. Target $40.14 (+5.9%), stop $35.55 (−6.6%), Setup A.R:R 1.5:1. Score 5.9/10, moderate confidence.
Take-profit target: $40.14 (+6.4% upside). Target $40.14 (+5.9%), stop $35.55 (−6.6%), Setup A.R:R 1.5:1. Stop-loss: $35.55.
Thin upside margin: 5.6%; Negative momentum; Below 200-MA (1d, -1.4%).
NMI Holdings Inc trades at a P/E of 7.9 (forward 7.1). TrendMatrix value score: 8.4/10. Verdict: Buy (Wait for Entry).
12 analysts cover NMIH with a consensus score of 4.0/5. Average price target: $46.
What does NMI Holdings Inc do?NMI Holdings provides private mortgage insurance through NMIC and Re One subsidiaries, approved to insure loans...
NMI Holdings provides private mortgage insurance through NMIC and Re One subsidiaries, approved to insure loans guaranteed by Fannie Mae and Freddie Mac, with $221.4B of primary insurance-in-force and 2,193 customer lenders as of December 31, 2025. Revenue comes from mortgage insurance premiums on high-LTV residential loans; no individual customer accounted for more than 10% of 2025 revenues.