---
schema_version: "secwatch.filing_event.v1"
accession: "0001547903-24-000033"
form_type: "8-K"
ticker: "NMIH"
cik: "0001547903"
company_name: "NMI Holdings, Inc."
filed_at: "2024-02-14T23:59:59+00:00"
generated_at: "2026-06-06T02:19:28.086895+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 $83.4M ($1.01 EPS); full year EPS $3.84 vs $3.39

## Summary
- Q4 2023 net income of $83.4M ($1.01 diluted EPS) vs $84.0M ($1.00) in Q3 and $72.9M ($0.86) in Q4 2022.
- Full year 2023 net income $322.1M ($3.84 diluted EPS) vs $292.9M ($3.39) in 2022, up ~10%.
- Adjusted net income matched GAAP net income for both periods; no adjustment items.
- Sequential EPS slightly down ($1.01 vs $1.00) but net income flat; YoY comparison shows strong growth.

## SEC filing metadata
- accession: 0001547903-24-000033
- form_type: 8-K
- ticker: NMIH
- cik: 0001547903
- company_name: NMI Holdings, Inc.
- filed_at: 2024-02-14T23:59:59+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/1547903/000154790324000033/0001547903-24-000033-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1547903/000154790324000033/nmih-20240214.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001547903-24-000033
- JSON: https://secwatch.observer/filing/0001547903-24-000033.json
- Plain text: https://secwatch.observer/filing/0001547903-24-000033.txt

## Key facts
- Earnings Releases
  NMI Holdings, Inc. reported the fourth quarter ended December 31, 2023 results: net income $83.4 million, EPS $1.01 per diluted share.
  - Period: the fourth quarter ended December 31, 2023
  - Net income: $83.4 million
  - EPS: $1.01 per diluted share
  - Result: reported results
  source text: NMI Holdings, Inc. (Nasdaq: NMIH) today reported net income of $83.4 million, or $1.01 per diluted share, for the fourth quarter ended December 31, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1547903/000154790324000033/0001547903-24-000033-index.htm
- Earnings Releases
  NMI Holdings, Inc. reported the full year ended December 31, 2023 results: net income $322.1 million, EPS $3.84 per diluted share.
  - Period: the full year ended December 31, 2023
  - Net income: $322.1 million
  - EPS: $3.84 per diluted share
  - Result: reported results
  source text: Net income for the full year ended December 31, 2023 was $322.1 million or $3.84 per diluted share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1547903/000154790324000033/0001547903-24-000033-index.htm

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