NMIH NASDAQ Week ended 31 Jul 2026

Weekly Investor Report

NMI Holdings Inc · Financial Services · Insurance - Specialty

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Latest close 44.30 USD
3.6% latest week
Weekly setup

Constructive, but selective

The weekly trend is active. Price is 13.5% above the Trend Line and sits at 79.5% of its 52-week range. The latest completed week returned 3.6%, after a 7.9% four-week move. The latest factor snapshot indicates quality is middle-of-the-pack; growth is moderate; valuation is inexpensive relative to peers. Options positioning is mixed with 30/100 conviction, while the latest news-sentiment score is 58/100. Near-term considerations: volume confirmation is below normal; earnings are due in 3d.

Setup score 57 out of 100
Latest Close 44.30 USD 31 Jul 2026
1W Return 3.6% latest completed week
4W Return 7.9% short-term follow-through
12W Return 14.0% quarterly tape
Trend Breadth 38.5% 20 of 52 weeks active
Volume Ratio 0.9x vs 13-week average
What is working
  • The trend backdrop is active with a 2-week active streak.
  • Price is above the Trend Line, keeping the weekly tape constructive.
  • Price is above Fair Value, showing premium demand versus the model.
  • Activity pressure is positive on the latest completed week.
What could go wrong
  • 3 reversal markers appear in the recent smart-money tape.
What to watch next
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through 3.6% Latest completed week; four-week move 7.9%. Indicator stack 28/87 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. Options pressure Mixed 30/100 conviction; expected move 6.5%. News sentiment 58/100 25 relevant articles in the latest sentiment read. Event risk 3d Next report is scheduled for 04 Aug 2026; event risk rises as the date approaches.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is active. Price is 13.5% above the Trend Line and sits at 79.5% of its 52-week range. The latest completed week returned 3.6%, after a 7.9% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 0.9x the 13-week average. Participation is below its recent norm, so price strength is not receiving full volume confirmation.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
6 Feb 13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul 31 Jul
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.4812-week average 0.27

12-week confirmation

Trend active2/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure6/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership2/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.48Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers33 reversal markers

No recent accumulation markers. 3 reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is 7.9% over four weeks, 14.0% over 12 weeks, and 19.1% over one year. The current trend has remained active for 2 consecutive weeks.

Performance by holding period

1W3.6%
4W7.9%
12W14.0%
26W14.4%
52W19.1%
Active trend streak2 weeks
Active weeks in one year20
Trend breadth38.5%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure1.15Latest activity-pressure read.
Pressure change198.5%Four-week change in activity pressure.
Leadership4.22Latest relative-leadership reading.
RS change155.9%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality is middle-of-the-pack; growth is moderate; valuation is inexpensive relative to peers.

Open full factor analysis
Factor week 26 Jul 2026 Financial statements through 31 Mar 2026 Field coverage 97% Model confidence 93%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength79/100Blend of value, momentum, and quality. Underlying universe rank 22; rank 1 is best.
Value96/100Relative valuation strength. Underlying universe rank 5; rank 1 is best.
Quality30/100Profitability and accounting quality. Underlying universe rank 71; rank 1 is best.
Momentum33/100Medium-term price momentum. Underlying universe rank 68; rank 1 is best.
Growth68/100Revenue and earnings growth. Underlying universe rank 33; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
8.4x
Price divided by trailing earnings.
Price / sales
4.5x
Market value relative to trailing revenue.
EV / EBITDA
6.7x
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
12.3%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
89.7%
Gross profit retained from each unit of revenue.
Operating margin
72.8%
Operating profit retained from revenue.
Free-cash-flow margin
61.5%
Free cash flow generated from revenue.
Return on invested capital
0.0%
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
7.3%
Latest one-year revenue growth.
EPS growth
3.2%
Latest one-year earnings-per-share growth.
Free-cash-flow growth
12.3%
Latest one-year free-cash-flow growth.
Piotroski F-score
5/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
-
Cash dividends relative to market value.
Buyback yield
3.2%
Net share repurchases relative to market value.
Shareholder yield
3.2%
Dividend yield plus net buyback yield.
Net debt / EBITDA
0.7x
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Options positioningMixed

NMIH shows mixed options pressure with a 30/100 conviction score, put-call volume ratio of n/a, expected move of 6.5%, and Sharemaestro trend signal active.

Conviction30/100
Expected move6.5%
Put/call volume
Pressure10
Speculation0
Volatility45
Trend agreement81
Open options detail
Insider activity8 / 6

8 acquisitions and 6 disposals in the latest 180-day insider tape.

Acquisitions / disposals over the latest 180 days. Insider activity is context, not a stand-alone signal.
News sentiment58/100

Weighted news tone is neutral across 25 relevant articles.

10 positive · 13 neutral · 2 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings3dNext report is scheduled for 04 Aug 2026; event risk rises as the date approaches.
Options expected move6.5%Nearest-chain priced movement where available.
52-week drawdown-5.2%Distance below the 52-week high.
13-week volatility3.2%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher16 of 2610 weeks finished lower.
Best week+8.4%Week of 26 Jun.
Worst week-9.5%Week of 1 May.
Latest week+3.6%Week of 31 Jul.

Shape of recent returns

Strong gains4
Modest gains12
Flat weeks0
Modest losses8
Sharp losses2
Recent vol3.2%13-week weekly-return volatility.
Base vol3.3%52-week weekly-return volatility.
Up/down split29/23Count of positive and negative weeks in the 52-week window.
Average skew2.6% / -2.4%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape53/100

Trend, activity pressure, participation, and risk combine to a 53/100 tape read.

 Indicator analysis29/100

Latest 12-week confirmation: trend 2/12, activity pressure 6/12, relative leadership 2/12.

Activity pressure 0.48; 3 reversal markers Factors59/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Buyback Yield rank 17; Small Cap Core rank 13 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Options53/100

NMIH shows mixed options pressure with a 30/100 conviction score, put-call volume ratio of n/a, expected move of 6.5%, and Sharemaestro trend signal active.

Mixed · Options-market disagreement · Expected move 6.5% Sentiment58/100

Weighted news tone is neutral across 25 relevant articles.

NMI Holdings (Nasdaq: NMIH) earns $105.8M Q2 net income and expands MI book Insiders8 / 6

8 acquisitions and 6 disposals in the latest 180-day insider tape.

 Earnings3d

Next report is scheduled for 04 Aug 2026; event risk rises as the date approaches.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
31 Jul 202644.30 USD3.6%39.05 USD35.80 USD1.154.222.5MOn
24 Jul 202642.75 USD-0.6%38.92 USD35.71 USD1.111.031.9MOn
17 Jul 202643.01 USD4.5%38.88 USD35.61 USD1.18-0.142.8MOff
10 Jul 202641.16 USD0.3%38.81 USD35.51 USD0.78-8.582.1MOff
3 Jul 202641.04 USD1.0%38.76 USD35.41 USD0.39-7.542.7MOff
26 Jun 202640.62 USD8.4%38.65 USD35.31 USD-0.00-8.274.8MOff
19 Jun 202637.48 USD1.2%38.56 USD35.22 USD-0.51-19.662.8MOff
12 Jun 202637.05 USD1.4%38.57 USD35.14 USD-0.60-19.132.3MOff
5 Jun 202636.55 USD1.8%38.59 USD35.06 USD-0.55-19.003.5MOff
29 May 202635.90 USD-4.0%38.59 USD34.99 USD-0.40-24.562.4MOff
22 May 202637.40 USD-0.4%38.61 USD34.93 USD-0.18-19.812.2MOff
15 May 202637.56 USD-3.4%38.59 USD34.85 USD0.07-19.032.7MOff
8 May 202638.87 USD4.5%38.53 USD34.77 USD0.14-16.992.8MOn
1 May 202637.21 USD-9.5%38.42 USD34.68 USD-0.05-16.734.2MOn
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.