Profitability
Weight: 25%
A+
99
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 8.3%
- Operating Margin Trend +1.87 pp/yr
NMIH
NMI Holdings, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A-
82
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 12.6%
- 5yr Share-Count CAGR -2.3%
Growth Quality
Weight: 10%
A+
97
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 23.0%
- 5yr EPS CAGR 16.7%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
95
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.14x
Balance Sheet
Weight: 30%
A+
99
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 67.5%
- Interest Coverage (EBIT/Int) 18.55x
Stability
Weight: 10%
C
54
- EPS Volatility (σ/μ) 0.55
- Piotroski F-Score 5
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 added; 1 trimmed.
- Holders
- 2
- Avg Δ position
- -12.8%
- New buys
- 0
- Full exits
- 0