NMIH NMI Holdings, Inc. · $43.01 Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤 Terminal终端 ↗

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NMI Holdings, Inc. · Financials

NMIH

$43.01
Financial金融股 Mid cap中盘 $3B
Engine stance引擎立场2026-07-20
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
You missed the bottoming entry — the low already formed and price is now extended (overbought (daily RSI 73)). Don't cha已错过筑底入场——低点已经形成，目前价格已拉伸（已超买（日线 RSI 73））。不要追高；等待回调至 10 日均线或下一个周期低点。若已持有则继续持有。
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Key Statistics关键统计

Price价格
$43.01
0.0% below 52-week high0.0% below 52-week high
Market Cap市值
$3B
Normal volume正常成交量
P/E Ratio市盈率
8.4x
15.0x sector median
Beta贝塔
0.19
Moves about 0.2x the market波动幅度约为市场的 0.2 倍
RSI (14)RSI（14）
73
Overbought超买区域
Next Earnings下次财报
2026-08-04 (16d)
Volatility Rank波动率分位
52th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
2.8% of float

Performance价格表现

Period周期 NMIH S&P 500vs Index对比指数
1 Week近1周 +4.5% -1.5% Beat the index by 6.0 points跑赢指数 6.0 个百分点
1 Month近1月 +13.7% +0.6% Beat the index by 13.1 points跑赢指数 13.1 个百分点
3 Months近3月 +7.6% +4.7% Beat the index by 2.9 points跑赢指数 2.9 个百分点
6 Months近6月 +13.2% +7.8% Beat the index by 5.4 points跑赢指数 5.4 个百分点
Year to date年初至今 +5.9% +9.1% Lagged the index by 3.2 points落后指数 3.2 个百分点
1 Year近1年 +13.6% +19.4% Lagged the index by 5.8 points落后指数 5.8 个百分点
3 Years近3年 +60.5% +69.4% Lagged the index by 8.9 points落后指数 8.9 个百分点

Technicals技术面

RSI (14)RSI（14） 73 Overbought超买区域
vs 50-day相对50日均线 +11.5% vs 50-day avg
vs 200-day相对200日均线 +11.9% vs 200-day avg
Volatility rank波动率分位 52th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$41.12
Don't chase above不追高于
$43.01
Stop止损
$36.74
Extended — wait for a pullback过度拉伸 — 等待回撤

Earnings财务业绩

16
days until next report天后公布财报
2026-08-04

Estimates being cut预期下调

Earnings call transcripts — coming soon财报电话会议记录 — 即将上线

Valuation估值

Multiple指标 NMIH Sector median行业中位 Cheaper than相对便宜
P/E (trailing)市盈率（历史） 8.44x 14.99
93%
P/B市净率 1.27x 1.52
66%
P/S市销率 4.64x 2.87
28%
Earnings yield盈利收益率 11.85% 6.58
94%
Shareholder yield股东收益率 3.20% 3.91
40%
Analyst price targets — coming soon分析师目标价 — 即将上线

Financials财务数据

Revenue营业收入
$433.3M
2020
$485.1M
2021
$523.3M
2022
$579.0M
2023
$651.0M
2024
$706.4M
2025
5yr CAGR5年复合增速: 10.3%
Earnings Per Share每股收益
$2.13
2020
$2.65
2021
$3.39
2022
$3.84
2023
$4.43
2024
$4.92
2025
5yr CAGR5年复合增速: 18.2%
Free Cash Flow自由现金流
$240.4M
2020
$313.5M
2021
$302.8M
2022
$333.3M
2023
$386.7M
2024
$412.5M
2025
Margins利润率
Net margin净利率
55.1%
FCF margin自由现金流利润率
59.4%
15.0%Return on Equity股本回报率
10.1%Return on Assets资产回报率
Capital Allocation资本配置
Buybacks (TTM)回购（TTM）$105.1M
Stock-based comp股权薪酬$20.2M
Share count change (1y)股数变化（1年）-2.9%
Piotroski皮奥特罗斯基 4/6 Clean稳健

Snapshot Gauges综合指标

Valuation vs Sector估值相对行业
Looks cheap vs sector相对行业偏便宜
Cheaper than 62% of its sector on blended multiples综合估值倍数低于行业内 62% 的公司
Beta市场敏感度
0.19×
0.21×3×
Moves about 0.2× the market波动幅度约为市场的 0.2 倍
Financial Health财务健康
4/6
Weak financial health财务健康状况偏弱
Dividend分红
—
Does not pay a dividend不派发股息

Why Is It Moving为何波动

Macro宏观 Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓 Insider cluster activity内部人集中交易
Technical技术面 NMIH took relative-strength leadershipNMIH 取得相对强弱领先

Ownership & Smart Money持仓与聪明钱

Insider activity内部人员活动: -$8.1M net (0 buyers, 4 sellers)-$8.1M 净值（0 买家，4 卖家）

Signal History信号历史

BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS. A daily bottoming setup did fire (swing low in, momentum turned up), but it's LATE — price is already extended above the cycle low (formed ~24 day(s) ago @ 36.74) and overbought (daily RSI 73). A momentum cross is a LAGGING confirmation: after a vertical run it only triggers once the move is mature, so the bottoming entry has already passed. This is a chase, not a fresh buy. Last cycle was left-translated (topped early) — a bearish structural tell止盈。日线筑底形态确实已经触发（摆动低点出现、动量转向上行），但为时已晚——价格已显著高于周期低点（约 24 天前形成 @ 36.74）且已超买（日线 RSI 73）。动量交叉属于滞后确认：在垂直拉升之后，只有当走势已经成熟时才会触发，因此筑底入场早已错过。这是追高，而非新的买入。 上一周期为左移结构（见顶偏早）——属于看空的结构性信号
TOP WATCH NEARING A HIGH
Jul 17, 2026
NMIH took relative-strength leadershipNMIH 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $43.01.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$43.01。
Jul 16, 2026
Golden cross on NMIHNMIH 金叉
The 50-day average crossed above the 200-day — a slow, widely-watched bullish trend signal. $42.51.50日均线上穿200日均线 — 一个滞后但广受关注的看多趋势信号。$42.51。
Jul 16, 2026
NMIH made a new 52-week highNMIH 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $42.51.价格创出52周新高 — 全市场关注的动量/趋势极值。$42.51。
Jul 16, 2026
NMIH RSI reached overboughtNMIH RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $42.51.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$42.51。
Jul 15, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 14, 2026
NMIH made a new 52-week highNMIH 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $41.91.价格创出52周新高 — 全市场关注的动量/趋势极值。$41.91。
Jul 13, 2026
UPTREND → NEARING A HIGH上涨趋势 → 接近高点
TAKE PROFITS止盈
Jul 13, 2026
NMIH RSI reached overboughtNMIH RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $41.53.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$41.53。
Jul 2, 2026
NEARING A HIGH → UPTREND接近高点 → 上涨趋势
HOLD持有
Jul 1, 2026
UPTREND → NEARING A HIGH上涨趋势 → 接近高点
TAKE PROFITS止盈

Showing last 15 of显示最近15条，共 261 signals条信号

Factor Profile因子特征

Composite factor score综合因子得分: 0.14
Value价值
+0.8
Quality质量
-0.6
Investment资本投入
-0.4
Shareholder payout股东回报
-0.2
Low volatility低波动
+1.0
Low market beta低市场敏感度
+0.9
Earnings quality盈利质量
-0.7
Short interest空头兴趣
+0.8

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