Assessing NMI Holdings (NMIH) Valuation After Recent Choppy Share Price Performance

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Jan 22

AdvertisementRecent performance and what it might mean for investors NMI Holdings (NMIH) has seen mixed recent returns, with a 0.7% decline over the past day, a 3.8% gain over the past week, and an ...

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That combination can prompt investors to look more closely at the current price of US$37.76.\nSee our latest analysis for NMI Holdings.\nRecent trading has been choppy, with near term share price...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"DCF":"Dreyfus Alcentra Global Credit Income 2024 Target Term Fund, Inc","BK4229":"商业和住宅抵押贷款融资","NMIH":"NMI Holdings Inc.","NMI":"纽文市政收益基金","BK4195":"互助储蓄与抵押信贷金融服务"},"translate_title":"在近期股价表现波动后评估NMI Holdings(NMIH)的估值","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"NMIH":1.5,"NMI":1.5,"DCF":1},"content_text":"AdvertisementRecent performance and what it might mean for investors NMI Holdings (NMIH) has seen mixed recent returns, with a 0.7% decline over the past day, a 3.8% gain over the past week, and an 8.1% decline over the past month. Over the past 3 months the stock is up 1.9%, while year to date it is down 7.0%. That combination can prompt investors to look more closely at the current price of US$37.76. See our latest analysis for NMI Holdings. Recent trading has been choppy, with near term share price momentum fading while the 3 year total shareholder return of 72.18% and 5 year total shareholder return of 69.56% keep the longer term picture more constructive. If NMI Holdings has you reviewing your portfolio, this can be a good moment to broaden your watchlist with fast growing stocks with high insider ownership. With NMI Holdings trading at US$37.76, a value score of 5, an indicated intrinsic discount of 62.86% and a 19.55% gap to analyst targets, you might ask: is this a genuine opportunity, or is future growth already priced in? Price-to-Earnings of 7.6x: Is it justified? At a last close of US$37.76, NMI Holdings is trading on a P/E of 7.6x, which screens as inexpensive compared to peers and the wider US Diversified Financial industry. That low earnings multiple contrasts with the indication that the shares are trading 62.9% below an estimated fair value of US$101.67. The P/E ratio compares the share price with per share earnings and is a simple way to see how much investors are paying for each dollar of profit. For a mortgage insurance business like NMI Holdings, earnings are a central focus for many investors, so a lower P/E can signal that the market is assigning a relatively conservative price to those profits. Here, NMI Holdings is described as good value on several fronts. Its P/E of 7.6x sits below the US Diversified Financial industry average of 14.5x and below a peer average of 11.2x, suggesting the market is applying a clear discount relative to comparable companies. It is also below an estimated fair P/E of 12.6x, a level the market could move towards if sentiment and assumptions about the business align more closely with that fair ratio framework. Explore the SWS fair ratio for NMI Holdings Result: Price-to-Earnings of 7.6x (UNDERVALUED) However, you still need to weigh risks such as choppy recent returns and the mortgage credit cycle, which can quickly change sentiment around an insurer like this. Find out about the key risks to this NMI Holdings narrative. Another View: What Does The DCF Say? Our DCF model points to an estimated fair value of US$101.67 per share, compared with the current price of US$37.76. That gap suggests NMI Holdings screens as undervalued on this approach, even more than the low 7.6x P/E already implies. The key question for you is whether the cash flow assumptions behind that DCF feel realistic, or whether the market is pricing in risks that a model cannot easily capture. Look into how the SWS DCF model arrives at its fair value. NMIH Discounted Cash Flow as at Jan 2026Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out NMI Holdings for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 876 undervalued stocks based on their cash flows. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity.  Build Your Own NMI Holdings Narrative If you are not fully aligned with this view or prefer to rely on your own work, you can quickly build a custom thesis using Do it your way. A great starting point for your NMI Holdings research is our analysis highlighting 3 key rewards and 1 important warning sign that could impact your investment decision. Looking for more investment ideas? Before you move on, give yourself the chance to spot fresh opportunities that fit different styles, sectors, and themes using the Simply Wall St screener tools.  Target potential mispricings by checking out these 876 undervalued stocks based on cash flows that may offer a wider margin between current prices and underlying fundamentals. Tap into the digital assets theme with these 19 cryptocurrency and blockchain stocks that track businesses building real-world applications around cryptocurrencies and blockchain. Strengthen your watchlist with income focused ideas by scanning these 13 dividend stocks with yields > 3% that already offer yields above 3%.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if NMI Holdings might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}