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NMIH earnings at a glance
NMI Holdings Inc (NMIH) is scheduled to report earnings on Tuesday, November 3, 2026 — in 11 days. Analysts expect earnings per share of $1.30, compared with $1.21 in the same quarter last year (+7%). The options market is pricing a move of about ±12.3% after the report, a range of roughly $36.37 to $46.61 from today's $41.49. Over its last 6 reports the stock rose the next day 3 times and fell 3, moving ±3.1% on average; after the most recent report on Jul 30, 2026 it moved +2.0%. That means options currently expect more movement than NMIH has typically delivered. NMIH beat the consensus EPS estimate in 5 of its last 6 reported quarters. Implied volatility is currently 76%. The share price of $41.49 sits in the middle of its 52-week range.
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Overview
Earnings trends
Earnings history
| Date | Period | Actual EPS | Est | Surprise | YoY %Δ | Day react | Source |
|---|---|---|---|---|---|---|---|
| Thu Jul 30, 2026 | Jun/2026 | $1.38 | $1.28 | +7.8% | +4.9% | +2.0% | earnings |
| Thu Apr 30, 2026 | 8K 2026-04-30 | $1.28 | $1.22 | +4.9% | — | -3.9% | earnings |
| Tue Feb 10, 2026 | 8K 2026-02-10 | $1.20 | $1.17 | +2.6% | — | +1.8% | earnings |
| Tue Nov 4, 2025 | Sep/2025 | $1.21 | $1.21 | 0.0% | — | -1.8% | earnings |
| Tue Jul 29, 2025 | Jun/2025 | $1.22 | $1.16 | +5.2% | — | -1.6% | earnings |
| Tue Apr 29, 2025 | Mar/2025 | $1.28 | $1.10 | +16.4% | — | +7.5% | earnings |
| Mon Sep 30, 2024 | Sep 2024 | $1.15 | — | — | — | — | financials |
| Sun Jun 30, 2024 | Jun 2024 | $1.13 | — | — | — | — | financials |
| Sun Mar 31, 2024 | Mar 2024 | $1.08 | — | — | — | — | financials |
| Sat Sep 30, 2023 | Sep 2023 | $1.00 | — | — | — | — | financials |
| Fri Jun 30, 2023 | Jun 2023 | $0.95 | — | — | — | — | financials |
| Fri Mar 31, 2023 | Mar 2023 | $0.88 | — | — | — | — | financials |
Upcoming
| Date | Fiscal | Time | EPS Est | LY EPS | YoY %Δ |
|---|---|---|---|---|---|
| Tue Nov 3, 2026 | Sep/2026 | OTHER | $1.30 | $1.21 | +7.4% |
Financials
Income statement (quarterly)
| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $188M | $183M | — | $179M | $174M | $173M | — | $166M |
| Cost of revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $106M | $99M | — | $96M | $96M | $103M | — | $93M |
| EPS (diluted) | $1.38 | $1.28 | — | $1.22 | $1.21 | $1.28 | — | $1.15 |
Balance sheet (quarterly)
| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | — | — | — | — | — | — | — | — |
| Inventory | — | — | — | — | — | — | — | — |
| Total current assets | — | — | — | — | — | — | — | — |
| Total assets | $4.00B | $3.91B | $3.84B | $3.73B | $3.59B | $3.46B | $3.35B | $3.32B |
| Long-term debt | — | — | — | — | — | — | — | — |
| Total liabilities | $1.29B | $1.28B | $1.25B | $1.21B | $1.17B | $1.13B | $1.13B | $1.12B |
| Total equity | $2.71B | $2.63B | $2.59B | $2.51B | $2.42B | $2.32B | $2.22B | $2.20B |
Implied volatility — last 90 days
Sector peers
NMIH earnings FAQ
When is NMIH's next earnings date?
NMI Holdings Inc is expected to report on November 3, 2026.
What is NMIH's expected move for earnings?
Options currently price a move of about ±12.3%, or $5.12 per share either way from $41.49.
How does NMIH stock usually react to earnings?
Across the last 6 reports the average next-day move was ±3.1%, up 3 times and down 3 times.
What EPS are analysts expecting from NMI Holdings Inc?
The consensus estimate is $1.30 per share, versus $1.21 a year ago.
What is NMIH's implied volatility?
NMIH's at-the-money implied volatility is about 76% based on the latest options snapshot.