Fundamental Analysis of NMI Holdings Inc - Growth / Value Index


NMIH - Valuation Highlights

Valuation Analysis

   Tsr Value Index - Excellent Score of 81.25
   Undervalued - Price to Intrinsic Value of 0.088
   Price to Earning Ratio is 8.17 and EV to EBITDA is 10.05 suggesting company is undervalued.
   Book Value in last 3 years is trending up
Valuation Key Ratios
Ratio TTM Latest FY Yoy Change MRQ
Price to Earning 8.34 8.79 -12.55 %
Price to Book 1.53 1.42 -22.04 % 1.42
Price to Sales 4.69 4.88 -13.16 %
Enterprise Value to EBITDA Multiple 10.24 8.56 6.59 %


NMIH - Profitability Highlights

Profitability Analysis

   Piotroski F Score - Good Value of 7.0
   Earning Yield of 12.25 %
   Excellent Net Margin for last 3 years
   Company Earning excess return
   During the past twelve months, the company has given a strong Net Margin of 56.26%
   All key Trailing Twelve Months Margin growing by 15 %
   Annual Net Profit in last 3 years is trending up
   Company's Net Profit is increasing for last 5 Quarters
   Company's Profit Before Tax is increasing for last 5 Quarters
   Steady ROA in range of 8 to 12 for last 3 years
   Steady Growth in EPS for last four quarters
   Good Return On Capital Employed of 13.41
   Good Return on Equity of 18.40% is achieved by the company
   Very Low Dividend Yield of 0 %
Profitability Key Ratios
Ratio TTM Latest FY Yoy Change MRQ
Return On Equity 18.40 16.18 -10.85 % 4.50
Return On Asset 12.02 10.60 -8.96 % 2.99
Net Profit Margin 56.26 55.58 -0.697 % 56.99
Operating Profit Margin 74.72 79.35 -34.72 % 78.47
EBITDA Margin 49.76 63.35 -19.19 % -5.15


Highlights
Market Cap2747.82 M
Enterprise Value3050.06 M
Price/Book TTM1.53
Outstanding Share80275.20 K
Float/ Outstanding Share98.38%
Dividend Yield0 %
Share Holding
Guru Numbers
Price/Graham No0.726
Peter Lynch Ratio1.72
Piotroski F Score7.00
Altman Z Score2.78
Sloan Ratio-0.0111
Peter Lynch Fair Value71.75


NMIH - Growth Highlights

Growth Analysis

   Short term positive trend in total sale and net profit
   Annual sales of the company is increased for three years in a row
   Quarterly sales in last 5 years is trending up
   Steady increase in Total Assets for last 3 Years
Growth Key Fields
Field TTM YoY Growth QoQ Growth
Revenue 598477 K 7.14 % 3.22 %
Gross Profit 598477 K 10.64 % 3.22 %
EBITDA 297813 K 13.41 % 108.51 %
Net Profit 336702 K 6.40 % 6.76 %
EPS 4.11 14.35 % NA


NMIH - Stability Highlights

Stability Analysis

   Tsr Stability Index - Good Score of 73.44
   Debt to equity ratio has decreased and is lowest in last three years
   Cash ratio of 3.46
Stability Key Ratios
Ratio Latest FY Yoy Change MRQ
Debt to Equity Ratio 0.206 -15.89 % 0.201
Cash Ratio 3.46 -63.09 %
Quick Ratio 10.94 -14.81 % 9.47
Shareholders Equity 65.50 2.12 %
Debt to EBITDA 1.12 15.94 %


Historical Valuation Ratios of NMI Holdings Inc

Historical Valuation Ratios
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Historical Profitability Ratios of NMI Holdings Inc

Historical Profitability Ratios
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Historical Efficiency Ratios of NMI Holdings Inc

Historical Efficiency Ratios
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Historical Solvency Ratios of NMI Holdings Inc

Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)