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Intrinsic value of NMI Holdings Inc (NMIH)

Previous Close$20.80
Intrinsic Value
Upside potential
Previous Close
$20.80
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh23.55 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

NMI Holdings, Inc., through its subsidiaries, provides private mortgage guaranty insurance services in the United States. The company offers mortgage insurance services; and outsourced loan review services to mortgage loan originators. It serves national and regional mortgage banks, money center banks, credit unions, community banks, builder-owned mortgage lenders, internet-sourced lenders, and other non-bank lenders. The company was founded in 2011 and is headquartered in Emeryville, California.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %12.0NaN
Revenue, $485NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m188NaN
Operating income, $m297NaN
EBITDA, $m317NaN
Interest expense (income), $mNaN
Earnings before tax, $m297NaN
Tax expense, $m66NaN
Net income, $m231NaN

BALANCE SHEET

Cash and short-term investments, $m77NaN
Total assets, $m2444NaN
Adjusted assets (=assets-cash), $m2367NaN
Average production assets, $m39NaN
Working capital, $m-157NaN
Total debt, $m395NaN
Total liabilities, $m878NaN
Total equity, $m1566NaN
Debt-to-equity ratio0.252NaN
Adjusted equity ratio0.629NaN

CASH FLOW

Net income, $m231NaN
Depreciation, amort., depletion, $m20NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m326NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-12NaN
Free cash flow, $m338NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-157
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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