When we look at how much money they make before expenses, they keep 1.000% as profit. This shows they're good at controlling costs and are financially stable. Their operating profit, which is money made from regular business activities, is 0.747%. This means they run their business efficiently. Lastly, after paying all their bills, they still have a profit of 0.563%. This tells us they're good at keeping money after all costs.
Return on Investments
The company's asset efficiency, represented by a robust 0.113% return, is a testament to NMI Holdings, Inc.'s adeptness in optimizing resource deployment. NMI Holdings, Inc.'s utilization of its assets to generate profits is strikingly evident through a noteworthy return on equity of 0.181%. Furthermore, the proficiency of NMI Holdings, Inc. in capital utilization is underscored by a remarkable 0.155% return on capital employed.
Stock Prices
NMI Holdings, Inc.'s stock prices have been subject to undulating patterns. The peak stock value during this interval surged to $32.66, while its low point bottomed out at $30.35. This variance in figures offers investors a lucid insight into the roller-coaster ride that is NMI Holdings, Inc.'s stock market.
Liquidity Ratios
Analyzing NMIH liquidity ratios reveals its financial health of the firm.
The current ratio of 473.54% gauges short-term asset coverage for liabilities.
The quick ratio (428.69%) assesses immediate liquidity, while the cash ratio (140.71%) indicates cash reserves.
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Current Ratio
473.54%
Quick Ratio
428.69%
Cash Ratio
140.71%
Profitability Ratios
NMIH profitability indicators offer a lens into its earnings landscape. A pretax profit margin of 72.03% underscores its earnings before tax deductions.
The effective tax rate stands at 21.90%, revealing its tax efficiency.
The net income per EBT, 78.10%, and the EBT per EBIT, 96.40%, provide insights into its earnings hierarchy.
Lastly, with an EBIT per revenue ratio of 74.72%, we grasp its operational profitability.
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Pretax Profit Margin
72.03%
Effective Tax Rate
21.90%
Net Income per EBT
78.10%
EBT per EBIT
96.40%
EBIT per Revenue
74.72%
Operational Efficiency
Operational metrics shed light on its business agility. With an operating cycle of 4.74, it details the span from stock purchase to revenue.
The 4 days it takes to settle debts showcases its creditor relations.
Meanwhile, a 1 cash conversion cycle and 579.68% receivables turnover rate reflect its cash flow efficiency and credit management, respectively.
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Days of Sales Outstanding
429
Receivables Turnover
5.80
Fixed Asset Turnover
19.75
Asset Turnover
0.20
Cash Flow Ratios
Peering into the cash flow metrics reveals liquidity and operational efficiency. The operating cash flow per share, 4.51, and free cash flow per share, 4.39, depict cash generation on a per-share basis.
The cash per share value, 3.99, showcases liquidity position.
Lastly, the operating cash flow sales ratio, 0.61, offers insight into cash flow relative to sales.
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Operating Cash Flow per Share
4.51
Free Cash Flow per Share
4.39
Cash per Share
3.99
Operating Cash Flow Sales Ratio
0.61
Free Cash Flow to Operating Cash Flow Ratio
0.97
Cash Flow Coverage Ratio
0.92
Capital Expenditure Coverage Ratio
36.29
Dividend Paid and Capex Coverage Ratio
36.29
Debt and Leverage Ratios
Diving into debt and leverage metrics unveils the company's financial structure. The debt ratio, at 13.36%, highlights its total liabilities relative to assets.
With a debt-equity ratio of 0.20, we discern the balance between debt and equity financing.
The long-term debt to capitalization, 16.75%, and total debt to capitalization, 16.75%, ratios shed light on its capital structure.
An interest coverage of 13.88 indicates its ability to manage interest expenses.
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Debt Ratio
13.36%
Debt Equity Ratio
0.20
Long Term Debt to Capitalization
16.75%
Total Debt to Capitalization
16.75%
Interest Coverage
13.88
Cash Flow to Debt Ratio
0.92
Company Equity Multiplier
1.51
Per Share Data
Speaking about the per share data offers a perceptive view of financial distribution. The revenue per share, 7.03, provides a glimpse into top-line earnings distributed across each share.
Net income per share, 3.91, reflects the portion of profit attributed to each share.
The book value per share, 23.37, represents the net asset value distributed per share, while the tangible book value per share, 23.33, excludes intangible assets.
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Revenue Per Share
7.03
Net Income Per Share
3.91
Book Value Per Share
23.37
Tangible Book Value Per Share
23.33
Shareholders Equity Per Share
23.37
Interest Debt Per Share
5.22
Capex Per Share
-0.11
Growth Ratios
Delving into growth metrics provides a snapshot of financial expansion. The revenue growth rate, 10.40%, indicates top-line expansion, while the gross profit growth, 10.40%, reveals profitability trends.
EBIT growth, 11.68%, and operating income growth, 11.68%, offer insights into operational profitability progression.
The net income growth, 9.97%, showcases bottom-line expansion, and the EPS growth, 13.33%, measures the growth in earnings per share.
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Revenue Growth
10.40%
Gross Profit Growth
10.40%
EBIT Growth
11.68%
Operating Income Growth
11.68%
Net Income Growth
9.97%
EPS Growth
13.33%
EPS Diluted Growth
13.27%
Weighted Average Shares Growth
-2.96%
Weighted Average Shares Diluted Growth
-2.49%
Operating Cash Flow Growth
9.35%
Free Cash Flow Growth
10.07%
10-Year Revenue Growth per Share
6977.36%
5-Year Revenue Growth per Share
66.95%
3-Year Revenue Growth per Share
25.68%
10-Year Operating CF Growth per Share
741.39%
5-Year Operating CF Growth per Share
85.37%
3-Year Operating CF Growth per Share
28.45%
10-Year Net Income Growth per Share
496.69%
5-Year Net Income Growth per Share
135.48%
3-Year Net Income Growth per Share
77.76%
10-Year Shareholders Equity Growth per Share
182.58%
5-Year Shareholders Equity Growth per Share
116.62%
3-Year Shareholders Equity Growth per Share
33.14%
Receivables Growth
13.92%
Inventory Growth
45.11%
Asset Growth
17.70%
Book Value per Share Growth
22.99%
Debt Growth
3.27%
Other Metrics
Venturing into other key metrics unveils diverse facets of financial performance. The enterprise value, 2,758,145,760, captures the company's total value, considering both debt and equity.
Income quality, 1.06, assesses the reliability of reported earnings.
The ratio of intangibles to total assets, 0.12%, indicates the value of non-physical assets, and capex to operating cash flow, -2.73%, measures reinvestment capability.
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Enterprise Value
2,758,145,760
Income Quality
1.06
Intangibles to Total Assets
0.12%
Capex to Operating Cash Flow
-2.73%
Capex to Revenue
-1.62%
Capex to Depreciation
-81.21%
Stock-Based Compensation to Revenue
2.92%
Graham Number
45.34
Return on Tangible Assets
10.89%
Graham Net Net
-10.80
Working Capital
521,485,000
Tangible Asset Value
1,922,370,000
Net Current Asset Value
-417,412,000
Average Receivables
97,618,500
Average Payables
80,382,500
Average Inventory
-616,919,500
Days Sales Outstanding
66
ROIC
14.94%
ROE
0.17%
Valuation Ratios
Exploring the valuation ratios offers insights into perceived market value. The price to book value ratio, 1.37, and the price to book ratio, 1.37, reflect the market's valuation relative to the company's book value.
The price to sales ratio, 4.51, provides a perspective on valuation in relation to sales.
Ratios like price to free cash flows, 7.61, and price to operating cash flows, 7.44, gauge market valuation against cash flow metrics.
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Price Book Value Ratio
1.37
Price to Book Ratio
1.37
Price to Sales Ratio
4.51
Price Cash Flow Ratio
7.44
Price Earnings to Growth Ratio
0.53
Enterprise Value Multiple
11.82
Price Fair Value
1.37
Price to Operating Cash Flow Ratio
7.44
Price to Free Cash Flows Ratio
7.61
Price to Tangible Book Ratio
1.27
Enterprise Value to Sales
4.76
Enterprise Value Over EBITDA
238.99
EV to Operating Cash Flow
8.05
Earnings Yield
13.17%
Free Cash Flow Yield
13.63%
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