NMI Holdings, Inc. cash flow to debt ratio of 100.54% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

NMI Holdings, Inc.'s free cash flow has increased 6.68% from $386.70M last year to $412.52M, signaling increasing performance

NMI Holdings, Inc.'s debt to equity ratio is 0.15, which means that the company's assets are healthy financed, signaling financial stability.

NMI Holdings, Inc.'s debt has decreased relative to shareholder equity from 0.19 last year to 0.15 today, signaling strengthened financials

NMI Holdings, Inc. has a net cash position, so leverage is healthy.

NMI Holdings, Inc.'s interest coverage ratio of 17.79 indicates that earnings with good margin can cover interest payments on company debt

NMI Holdings, Inc.'s profit margin has decreased (2.17%) in the last year from 55.32% to 54.12%, signaling decreasing performance

NMI Holdings, Inc.'s short-term assets of $1.00B exceed its short-term liabilities of $525.55M

NMI Holdings, Inc.'s return on assets of 9.89% is higher than the 5.00% threshold, indicating efficient asset utilization

NMI Holdings, Inc.'s return on equity of 15.14%, is higher than 15.00%, indicating good performance

NMI Holdings, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

NMI Holdings, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

NMI Holdings, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

NMI Holdings, Inc. has a free cash flow yield of 12.28%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

NMI Holdings, Inc.'s yearly earnings has increased 8.00% since last year from $360.11M to $388.93M, signaling increasing performance

NMI Holdings, Inc.'s yearly revenue has increased 8.39% since last year from $650.97M to $705.58M, signaling increasing performance

ROIC 11.04% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

NMI Holdings, Inc.'s 3-year revenue CAGR of 10.39% is positive, indicating growing revenue over the past 3 years

NMI Holdings, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

NMI Holdings, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

NMI Holdings, Inc. is undervalued relative to its fair value price of 91.25 based on Discounted Cash Flow model

NMI Holdings, Inc. has an earnings yield of 11.80%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

NMI Holdings, Inc. is overvalued relative to its fair value price of 43.66 based on EBITDA multiple model

NMI Holdings, Inc. has an EV/EBITDA ratio of 6.17x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

NMI Holdings, Inc. is undervalued relative to its fair value price of 121.16 based on Earnings Fair Value model

NMI Holdings, Inc. has a PEG-ratio under 1 which is considered undervalued

NMI Holdings, Inc. has a price-to-book ratio of 1.24x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

NMI Holdings, Inc. has a price-to-sales ratio of 4.59x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue