NMIH NMI Holdings, Inc.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business: Private mortgage insurance provider focused on managing risk and capital in residential mortgage market
• • Regulatory focus: Increased emphasis on CFPB RESPA enforcement risk and impact of ATR/QM rule changes on mortgage origination market size
• • Strategic risk shift: Basel IV capital rules potentially reducing mortgage insurance capital benefits for large banks, possibly lowering mortgage insurance demand
• • Financial metric: $417 million total debt as of Dec 31, 2025, with $101 million in dividends capacity from insurance subsidiary under regulatory limits
• • Noteworthy fact: Proposed U.S. Basel IV alignment may eliminate capital relief for mortgage insurance on loans with LTV>80%, a significant regulatory development in 2026 filing

Risk Factors

• • Regulatory risk: Wisconsin Office of the Commissioner of Insurance (OCI) primary regulator for NMIC, impacting licensing and insurance operations
• • Macroeconomic risk: Persistent inflation and elevated interest rates could reduce new insurance written (NIW) volume, increasing default claims
• • Operational risk: Proprietary Rate GPS® platform crucial for risk-based pricing; any disruption may impair underwriting and profitability
• • Competitive risk: Market share expansion challenged by alternative mortgage credit enhancement structures and government MI programs
• • Financial risk: Increasing default rate to 1.12% in 2025 from 0.81% in 2023 could pressure loss reserves and capital adequacy

What are the latest NMIH SEC filings in 2026?

NMI Holdings, Inc. (NMIH) has filed a 10-K annual report on February 12, 2026, a 10-Q quarterly report on May 1, 2026, an 8-K current report on July 30, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did NMIH file its most recent 10-K annual report?

NMI Holdings, Inc. (NMIH) filed its most recent 10-K annual report on February 12, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view NMIH 10-Q quarterly reports?

NMI Holdings, Inc. (NMIH)'s most recent 10-Q quarterly report was filed on May 1, 2026. SignalX displays every NMIH 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has NMIH filed recently?

NMI Holdings, Inc. (NMIH)'s most recent 8-K was filed on July 30, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find NMIH insider trading activity (Form 4)?

SignalX aggregates every NMIH Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does NMIH file with the SEC?

NMI Holdings, Inc. (NMIH) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new NMIH filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for NMI Holdings, Inc. (NMIH).

What is NMIH's SEC CIK number?

NMI Holdings, Inc. (NMIH)'s SEC CIK (Central Index Key) number is 1547903. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1547903 to look up all NMIH filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find NMIH return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from NMI Holdings, Inc. (NMIH) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.