NASDAQ$NMIH

NMI Holdings Inc · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Reported record financial results for the second quarter of 2024.

NMI Holdings, Inc. reported a net income of $92.1 million, or $1.13 per diluted share, for the second quarter ended June 30, 2024. The company's primary insurance-in-force at quarter end was $203.5 billion, and total revenue was $162.1 million.

  • Primary insurance-in-force at quarter end was $203.5 billion, compared to $191.3 billion in the second quarter of 2023.
  • Net premiums earned were $141.2 million, compared to $126.0 million in the second quarter of 2023.
  • Total revenue was $162.1 million, compared to $142.7 million in the second quarter of 2023.
  • Net income was $92.1 million, up 15% compared to the second quarter of 2023.

Headline financials

Total Revenue

$162M

Previous: $143M+13.6%
EPS

$1.13

Previous: $0.95+18.9%
Risk-in-Force (RIF)

$54B

No prior period
Primary Insurance-in-Force

$204B

No prior period
New Insurance Written - NIW

$12.5B

No prior period
Insurance Claims and Claim Expenses

$300K

No prior period
Loss Ratio

0.2%

Previous: 2.3%-91.3%
Expense Ratio

20.1%

Previous: 21.8%-7.8%
Combined Ratio

20.3%

No prior period
Annualized Return on Equity

18.3%

No prior period
Book Value per Share

$25.65

Previous: $23.53+9.0%
Book Value per Share (excl. unrealized gains/losses)

$27.54

No prior period
PMIERs Available Assets

$2.83B

No prior period
Net Risk-Based Required Assets

$1.65B

No prior period
New Risk Written

$3.34B

No prior period
Policies in Force (count)

645.3K

No prior period
Average Loan Size

$315K

No prior period
Coverage Percentage

26.5%

No prior period
Loans in Default (count)

4.9K

No prior period
Default Rate

0.8%

No prior period
Risk-in-Force on Defaulted Loans

$401M

No prior period
Average Net Premium Yield

0.3%

No prior period
Earnings from Cancellations

$1M

No prior period
Annual Persistency

85.4%

No prior period
Quarterly Run-off

4.2%

No prior period
Monthly NIW

$12.3B

No prior period
Single NIW

$215M

No prior period
Capital Expenditures

-$4.03M

Previous: -$4.55M+11.5%
Free Cash Flow

$88.1M

Previous: $75.7M+16.3%
Net Income

$92.1M

Previous: $80.3M+14.7%
Operating Income

$134M

Previous: $112M+18.8%
Gross Profit

$162M

Previous: $140M+15.8%
Stock-Based Comp

$4.11M

Previous: $3.68M+11.9%

Revenue & EPS history

NMI Holdings · Revenue · Quarterly

$162M

Q2 2024+13.6%vs Q2 2023
Beat estimate in 14 of 15 quarters(93%)
ActualEstimate

Revenue by segment

NMI Holdings · $148M total across 3 segments · Q3 2023

  • Net premiums earned
    $130M
  • Net investment income
    $17.9M
  • Other revenues
    $217K

Forward guidance

The company is well positioned to continue delivering differentiated growth, returns and value for its shareholders.

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 Q2 2024

Historical avgQ2 2024

+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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