NMI Holdings, Inc. (NMIH)
Surety Insurance · Financial Services · $2.9B
Intrinsic Value (Consensus)
$85.02
Current Price
$38.02
Margin of Safety
+123.6%
123.6% Below Intrinsic Value
Value: $85
Price: $38
Valuation Model Estimates
Current Price: $38.02
DCF (Discounted Cash Flow)
$132.52
Graham Number
$61.38
Earnings Power Value
$47.77
Relative Value (P/E)
$98.40
Dividend Discount Model
Not applicable
—
Consensus Value
$85.02
Model Assumptions
Discount Rate
10.3%
Growth Rate
11.1%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
A
84
Profitability
22/25
Strength
24/25
Valuation
22/25
Growth
16/25
Financial Health Signals
Low debt — conservative balance sheet
High free cash flow yield (14.2%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $4.92
- EPS (Forward)
- $5.46
- Book Value
- $34.04
- P/E Ratio
- 20.0
- Forward P/E
- 18.0
- PEG Ratio
- —
- ROE
- 15.0%
- Debt/Equity
- 15%
- Revenue Growth
- 8.5%
- Earnings Growth
- 11.1%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance