Earnings summaries and quarterly performance for NMI Holdings.
Executive leadership at NMI Holdings.
Adam Pollitzer
President and Chief Executive Officer
Aurora Swithenbank
Chief Financial Officer
Bradley Shuster
Executive Chairman
Mohammed Yousaf
Chief of Operations and Technology
Norman Fitzgerald
Chief Sales Officer
Robert Smith
Chief Risk Officer
William Leatherberry
Chief Administrative Officer, General Counsel & Secretary
Board of directors at NMI Holdings.
Research analysts who have asked questions during NMI Holdings earnings calls.
Bose George
Keefe, Bruyette & Woods
4 questions for NMIH
Richard Shane
JPMorgan Chase & Co.
4 questions for NMIH
Douglas Harter
UBS
3 questions for NMIH
Mark Hughes
Truist Securities
2 questions for NMIH
Mihir Bhatia
Bank of America
2 questions for NMIH
Terry Ma
Barclays
2 questions for NMIH
Geoffrey Dunn
Dowling & Partners
1 question for NMIH
Maxwell Fritscher
Truist Financial Corporation
1 question for NMIH
Nate Rickman
Bank of America
1 question for NMIH
Recent press releases and 8-K filings for NMIH.
- NMI has launched NMI Business Capital, a new embedded lending solution that provides fast, pre-approved merchant financing.
- This solution enables NMI partners to offer financing directly within their existing merchant portals, allowing them to earn additional revenue without taking on lending risk or extra workload.
- Merchants can receive pre-approved offers based on their sales history, with funds typically arriving within one to two business days. Payments are automated as a percentage of daily sales, featuring a transparent upfront fee with no compounding interest or hidden charges.
- The offering addresses the significant need for funding among small businesses, as 88% of small businesses in the U.S. report regular cash flow disruptions.
- NMI Business Capital is powered by Parafin, and all loans are issued by Celtic Bank.
- NMIH reported strong Q3 2025 financial results, including record total revenue of $178.7 million, GAAP net income of $96 million, and $1.22 diluted EPS.
- The company generated $13 billion in new insurance written (NIW) volume, contributing to a record $218.4 billion of primary insurance in force.
- NMIH achieved a record low expense ratio of 19.3% and repurchased $24.6 million of common stock during the quarter, with $256 million of repurchase capacity remaining under its existing program.
- Management highlighted the resilience of the macro environment and housing market, while noting a robust reinsurance market and stable credit performance with a default rate of 1.05%.
- NMI Holdings, Inc. reported net income of $96.0 million and diluted earnings per share of $1.22 for the third quarter ended September 30, 2025.
- Total revenue for Q3 2025 was $178.7 million, an increase from $173.8 million in the second quarter of 2025 and $166.1 million in the third quarter of 2024.
- The company's primary insurance-in-force reached $218.4 billion at the end of Q3 2025, up from $214.7 billion at the end of Q2 2025 and $207.5 billion at the end of Q3 2024.
- The loss ratio for Q3 2025 was 12.3%, compared to 9.0% in Q2 2025 and 7.2% in Q3 2024.
- Book value per share, excluding the impact of net unrealized gains and losses, was $33.32 at quarter-end, marking a 4% increase from $32.08 in Q2 2025 and a 16% increase from $28.71 in Q3 2024.
Quarterly earnings call transcripts for NMI Holdings.
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