N NMIH

NMI Holdings Inc - Class A

$37.13

+0.24% (+$0.09)

Volume 357,660

52W High $43.20

52W Low $31.90

Market Cap $3.10B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$1.24

Whisper EPS

$1.30

4.5% above consensus

Last Quarter

$1.20

Current Streak

2 Meets

Avg Surprise (4Q)

+1.12%

Next Earnings Report

Reports in 52 days

Report Date May 5, 2026

Whisper Spread +4.48%

Consensus Estimate

$1.24

Official analyst average

Whisper Number

$1.30

What traders expect

Bullish Sentiment: The whisper number is 4.5% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Feb 10, 2026

1-Day: +1.82%

Q3 2025 Nov 5, 2025

1-Day: -2.04%

5-Day: +1.93%

Q2 2025 Jul 29, 2025

1-Day: -1.55%

Q1 2025 Apr 29, 2025

1-Day: +7.52%

Revenue & Financial Performance

Revenue Whisper

$183.0M

TWN Proprietary Estimate

Last Quarter Revenue

$180.5M

+8.4% YoY

Gross Margin

88.3%

Net Margin: 52.2%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$180.5M	+8.4%	88.3%	67.1%	$94.2M
Q3'25	$178.7M	+7.6%	89.5%	69.2%	$96.0M
Q2'25	$173.8M	+7.2%	92.2%	71.1%	$96.2M
Q1'25	$173.2M	+10.9%	97.4%	75.8%	$102.6M
Q4'24	$166.5M	+10.0%	89.5%	66.6%	$86.2M
Q3'24	$166.1M	+12.1%	93.7%	71.8%	$92.8M
Q2'24	$162.1M	+13.6%	99.7%	73.2%	$92.1M
Q1'24	$156.3M	+14.2%	97.6%	73.3%	$89.1M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Feb 10, 2026	$1.19	$1.20	$1.20	+0.84%	Met
Q3 2025	Nov 5, 2025	$1.21	$1.26	$1.21	+0.00%	Missed
Q2 2025	Jul 29, 2025	$1.19	$1.24	$1.22	+2.52%	Missed
Q1 2025	Apr 29, 2025	$1.12	$1.18	$1.28	+14.29%	Beat
Q4 2024	Feb 6, 2025	$1.12	$1.17	$1.07	-4.46%	Missed
Q3 2024	Nov 6, 2024	$1.13	$1.19	$1.15	+1.77%	Missed
Q2 2024	Jul 30, 2024	$1.05	$1.10	$1.20	+14.29%	Beat
Q1 2024	Apr 30, 2024	$0.99	$1.04	$1.08	+9.09%	Beat
Q4 2023	Feb 14, 2024	$0.96	$1.01	$1.01	+5.21%	Met
Q3 2023	Nov 1, 2023	$0.92	$0.98	$1.00	+8.70%	Beat
Q2 2023	Aug 1, 2023	$0.86	$0.90	$0.95	+10.47%	Beat
Q1 2023	May 2, 2023	$0.82	$0.87	$0.88	+7.32%	Beat