Financials·Commercial & Residential Mortgage Finance·$3.1B
NMI Holdings Inc (NMIH) operates in the financial sector, specifically focusing on commercial and residential mortgage finance. With a market cap of $3 billion, the company plays a crucial role in the housing market by providing mortgage insurance, which helps lenders manage risk and enables more homebuyers to secure financing.
EPS
Earnings per share is a key indicator of profitability and will show how well NMIH is managing its costs and generating income.
Revenue
Revenue figures will provide insight into the company's overall sales performance and market demand for mortgage insurance.
Wall Street expectations, options signals, track record, and call prep available with Pro.
EPS Beat Streak
4Q
EPS Beat Rate
88%
Avg EPS Surprise
+6.48%
Avg Stock Reaction
+0.76%
In the last quarter, NMIH reported an EPS of $1.20, exceeding expectations and showcasing a positive trend in earnings surprises. The stock reacted positively, gaining 0.63% the following day.
Management Promises & Guidance
Analysts expect NMIH to report solid earnings this quarter, driven by a stable housing market and effective risk management strategies. The consensus EPS is set at $1.23, indicating confidence in the company's performance.
Bull Case
If NMIH beats earnings expectations, it could signal strong demand for mortgage insurance and effective cost management, potentially leading to a positive stock reaction.
Bear Case
Conversely, if the company misses earnings estimates, it may raise concerns about market conditions or internal challenges, leading to a negative stock response.
EPS
$1.23Earnings per share is a key indicator of profitability and will show how well NMIH is managing its costs and generating income.
Revenue
$183MRevenue figures will provide insight into the company's overall sales performance and market demand for mortgage insurance.
The print will turn on these two things.
Q1
Will the EPS exceed the consensus estimate of $1.23?
A beat on EPS could reinforce investor confidence in NMIH's ability to navigate the mortgage market effectively.
Q2
What are the revenue figures compared to the consensus of $183M?
Revenue performance will indicate market demand and the company's competitive position in the mortgage insurance sector.
Why consensus could be wrong
The consensus may be underestimating the potential for NMIH to outperform due to strong demand in the housing market, which could lead to better-than-expected revenue figures.
Supporting Evidence
NMIH has consistently beaten EPS estimates in the past quarters, suggesting strong operational execution.
The housing market remains resilient, which could drive higher demand for mortgage insurance.
Recent trends in mortgage rates may favor NMIH's business model.
Key Risk
If the housing market shows unexpected strength, it could lead to significantly higher revenue and earnings than currently anticipated.
Pre-commit to what would confirm each case.
This quarter's results will be critical in assessing NMIH's resilience in a fluctuating housing market and its ability to maintain profitability.
Bull Confirmed If
An EPS above $1.23 and revenue exceeding $183M would confirm strong operational performance.
Bear Confirmed If
An EPS below $1.19 or revenue under $182M would raise concerns about market conditions and internal challenges.
Implied Move
±N/A
There is no options market data available to gauge investor sentiment ahead of the earnings report.
Cross-company pattern from 30 similar setups.
Prior-quarter beat setup in Financials
n=30Fade rate: X of Y (Z%)
This setup has occurred 30 times across Financials in the last 2 years. The average absolute 1-day move is 1.5%, with a raw directional average of +0.3% (modestly positive historical bias).
Likely market behavior by outcome — not investment advice.
Beat & Raise
If NMIH beats expectations, history suggests the stock could rise by approximately 0.96%, confirming a strong operational outlook.
In-Line / Cautious
If results are in line with expectations, the stock may experience a muted reaction as investors await further guidance.
Miss
A miss could lead to a decline in stock price, with history suggesting an average drop of 0.64% following earnings misses.
AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.
No charge today · Auto-bills $8/mo after 7 days · Cancel anytime
VERIZON COMMUNICATIO
Apr 27, 2026