NASDAQ$NMIH

NMI Holdings Inc · Q1 2020 earnings

Q1 2020 earnings · · Investor relations

Briefing

NMI Holdings reported GAAP net income and new insurance written increased compared to Q1 2019.

NMI Holdings, Inc. reported a GAAP net income of $58.3 million for the first quarter ended March 31, 2020, compared to $32.9 million for the first quarter ended March 31, 2019. New insurance written was $11.3 billion, up 63% compared to the first quarter of 2019.

  • Primary insurance-in-force at quarter end was $98.5 billion, up 34% compared to the first quarter of 2019
  • New insurance written was $11.3 billion, up 63% compared to the first quarter of 2019
  • Net premiums earned were $98.7 million, up 34% compared to the first quarter of 2019
  • At quarter-end, cash and investments were $1.2 billion and shareholders’ equity was $975 million, equal to $14.15 per share

Headline financials

Total Revenue

$108M

Previous: $81.1M+32.7%
EPS (adj)

$0.75

Previous: $0.56+33.9%
New Insurance Written - NIW

$11.3B

Previous: $6.9B+63.8%
Loss Ratio

5.8%

No prior period
Expense Ratio

32.7%

No prior period
Combined Ratio

38.5%

No prior period
Annualized Return on Equity

24.5%

No prior period
Book Value per Share

$14.15

No prior period
Capital Expenditures

-$1.49M

Previous: -$1.75M+14.7%
Free Cash Flow

$56.8M

Previous: $31.1M+82.3%
Net Income

$58.3M

Previous: $32.9M+77.1%
Operating Income

$75.4M

Previous: $49.7M+51.8%
Gross Profit

$108M

Previous: $81.1M+32.7%
Cash & Equivalents

$110M

Previous: $39.8M+176.2%
Total Assets

$1.39B

Previous: $1.15B+20.9%
Stock-Based Comp

$2.55M

Previous: $2.98M-14.4%

Revenue & EPS history

NMI Holdings · Revenue · Quarterly

$108M

Q1 2020+32.7%vs Q1 2019
Beat estimate in 15 of 16 quarters(94%)
ActualEstimate

Revenue by segment

NMI Holdings · $108M total across 3 segments · Q1 2020

  • Net premiums earned
    $98.7M
  • Net investment income
    $8.1M
  • Other revenues
    $900K

Forward guidance

The company has filed a Form 8-K with the SEC that includes its current assessment of the impact the COVID-19 outbreak will have on the U.S. economy and housing market, and its perspective on the implications for the U.S. mortgage insurance market, and its business performance and financial position.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2020

Historical avgQ1 2020

+1.8%

Avg return

Earnings day

+2.4%

Avg return

5 days after

+2.8%

Avg return

30 days after

50%

25 / 50 earnings

Positive

+15.5%

Q1 2016

Best reaction

-9.4%

Q3 2021

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.9%-1.2%-7.3%
Q4 2025+1.8%-1.3%-7.2%
Q3 2025-1.7%+0.1%+0.1%
Q1 2025+7.5%+11.4%+18.1%
Q4 2024-4.8%-9.4%-8.7%
Q3 2024-0.8%+1.1%+4.6%
Q2 2024-0.1%-4.3%+2.6%
Q1 2024+1.7%+4.4%+5.6%
Q4 2023+0.0%-2.4%+0.8%
Q3 2023+2.2%+5.6%+1.1%
Q2 2023+6.3%+11.2%+7.2%
Q1 2023-0.8%+1.6%+8.6%
Q4 2022+1.4%+2.8%-6.2%
Q3 2022-0.4%-0.8%-3.8%
Q2 2022+7.3%+9.5%+6.0%
Q1 2022-2.6%-7.6%-2.6%
Q4 2021+2.9%-4.2%-17.5%
Q3 2021-9.4%-10.0%-19.7%
Q2 2021-2.1%+3.2%+3.1%
Q1 2021-3.8%-8.3%-8.5%
Q4 2020+1.7%+4.5%+11.3%
Q3 2020-3.5%+3.0%+3.0%
Q2 2020+1.0%+8.9%+16.8%
Q1 2020+12.1%+7.3%+41.6%
Q4 2019-9.4%-13.3%-42.7%
Q3 2019+9.0%+10.5%+13.9%
Q2 2019+0.8%-0.8%+12.0%
Q1 2019+0.0%+0.2%-2.9%
Q4 2018+0.1%+7.4%+17.0%
Q3 2018+14.5%+10.0%+6.1%
Q2 2018+6.9%+1.4%+3.3%
Q1 2018+12.6%+19.1%+20.2%
Q4 2017+7.6%+8.1%-16.8%
Q3 2017+13.4%+11.3%+17.9%
Q2 2017+0.0%+1.7%-8.1%
Q1 2017-4.7%-6.0%-7.7%
Q4 2016-1.7%-3.5%+2.6%
Q3 2016+7.2%+7.2%+14.4%
Q2 2016+10.7%+13.5%+29.8%
Q1 2016+15.5%
Q4 2015-0.2%
Q3 2015-1.4%
Q2 2015+5.0%
Q1 2015-1.1%
Q4 2014-8.6%
Q3 2014+3.2%
Q2 2014-0.4%
Q1 2014-1.0%
Q4 2013-1.3%
Q3 2013-0.3%
Q2 2013
Q1 2013
Q4 2012
Q3 2012
Q2 2012
Q1 2012

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