---
schema_version: "secwatch.filing_event.v1"
accession: "0001547903-23-000031"
form_type: "8-K"
ticker: "NMIH"
cik: "0001547903"
company_name: "NMI Holdings, Inc."
filed_at: "2023-02-14T23:59:59+00:00"
generated_at: "2026-06-19T13:43:53.067661+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# NMI Holdings Q4 net income $72.9M ($0.86 EPS), up 20% YoY

## Summary
- Net income Q4 2022 $72.9M ($0.86 diluted), up from $60.5M ($0.69) in Q4 2021.
- Full year 2022 net income $292.9M ($3.39 diluted), up from $231.1M ($2.65) in 2021.
- Adjusted net income Q4 2022 $72.9M ($0.86) vs $63.5M ($0.73) in Q4 2021.
- Sequentially, net income declined from Q3 2022's $76.8M ($0.90) to $72.9M.

## SEC filing metadata
- accession: 0001547903-23-000031
- form_type: 8-K
- ticker: NMIH
- cik: 0001547903
- company_name: NMI Holdings, Inc.
- filed_at: 2023-02-14T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1547903/000154790323000031/0001547903-23-000031-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1547903/000154790323000031/nmih-20230214.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001547903-23-000031
- JSON: https://secwatch.observer/filing/0001547903-23-000031.json
- Plain text: https://secwatch.observer/filing/0001547903-23-000031.txt

## Key facts
- Earnings Releases
  NMI Holdings, Inc. reported fourth quarter ended December 31, 2022 results: net income $72.9 million, EPS $0.86 per diluted share.
  - Period: fourth quarter ended December 31, 2022
  - Net income: $72.9 million
  - EPS: $0.86 per diluted share
  - Result: reported results
  source text: NMI Holdings, Inc. (Nasdaq: NMIH) today reported net income of $72.9 million, or $0.86 per diluted share, for the fourth quarter ended December 31, 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/1547903/000154790323000031/0001547903-23-000031-index.htm
- Earnings Releases
  NMI Holdings, Inc. reported full year ended December 31, 2022 results: net income $292.9 million, EPS $3.39 per diluted share.
  - Period: full year ended December 31, 2022
  - Net income: $292.9 million
  - EPS: $3.39 per diluted share
  - Result: reported results
  source text: Net income for the full year ended December 31, 2022 was $292.9 million or $3.39 per diluted share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1547903/000154790323000031/0001547903-23-000031-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.