NMIH NMI Holdings, Inc.
FY2025 10-K
NMI Holdings, Inc. (NMIH) filed its fiscal year 2025 10-K annual report with the SEC on Feb 12, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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
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
Financial SummaryXBRL
Revenue
$706M
Net Income
$389M
Net Margin
55.1%
ROE
15.0%
Total Assets
$3.8B
EPS (Diluted)
$4.92
Operating Cash Flow
$419M
Source: XBRL data from NMI Holdings, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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