Profitability
Weight: 25%
A+
100
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 9.6%
NMIH
NMI Holdings, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B+
77
- 5yr Avg ROE 16.2%
- 5yr Share-Count CAGR -0.1%
Growth Quality
Weight: 10%
A-
85
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 9.7%
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
A+
100
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 9.6%
Balance Sheet
Weight: 25%
B+
80
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.23x
- Interest Coverage (EBIT/Int) 18.55x
Stability
Weight: 10%
C
54
- EPS Volatility (σ/μ) 0.55
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 trimmed.
- Holders
- 2
- Avg Δ position
- -29.4%
- New buys
- 0
- Full exits
- 0