---
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"
generated_at: "2026-06-09T02:33:05.108385+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# NMIH Q3 net income $84M ($1.00 EPS), record profitability; insurance-in-force up 9% YoY to $194.8B

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001547903-23-000136
- JSON: https://secwatch.observer/filing/0001547903-23-000136.json
- Plain text: https://secwatch.observer/filing/0001547903-23-000136.txt

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