{"schema_version":"secwatch.filing_event.v1","accession":"0001547903-23-000136","form_type":"8-K","ticker":"NMIH","cik":"0001547903","company_name":"NMI Holdings, Inc.","filed_at":"2023-11-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.475640+00:00","generated_at":"2026-06-09T02:33:05.108385+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"NMIH Q3 net income $84M ($1.00 EPS), record profitability; insurance-in-force up 9% YoY to $194.8B","bullets":["Net income $84.0M ($1.00 diluted EPS), up 5% QoQ and 9% YoY; record Q3 profitability.","Total revenue $148.2M, net premiums earned $130.1M (+10% YoY); insurance-in-force $194.8B (+9% YoY).","New insurance written $11.3B, down 34% YoY reflecting market conditions; loss ratio 3.7%.","Adjusted book value per share $24.56, up 18% YoY; annualized ROE 19.0%."],"urls":{"canonical":"https://secwatch.observer/filing/0001547903-23-000136","json":"https://secwatch.observer/filing/0001547903-23-000136.json","markdown":"https://secwatch.observer/filing/0001547903-23-000136.md","text":"https://secwatch.observer/filing/0001547903-23-000136.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1547903/000154790323000136/0001547903-23-000136-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1547903/000154790323000136/nmih-20231101.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T02:33:05.108385+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}