{"schema_version":"secwatch.filing_event.v1","accession":"0001547903-24-000101","form_type":"8-K","ticker":"NMIH","cik":"0001547903","company_name":"NMI Holdings, Inc.","filed_at":"2024-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:18.917764+00:00","generated_at":"2026-06-03T04:22:24.130634+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 Q1 net income $89M ($1.08 EPS), record results; insurance-in-force up 7% YoY","bullets":["Diluted EPS $1.08, up 24% YoY; adjusted EPS also $1.08.","Total revenue $156.3M, up 14% YoY; net premiums earned $136.7M (+12%).","Primary insurance-in-force $199.4B, up 1% QoQ and 7% YoY.","Loss ratio improved to 2.7% from 5.5% a year ago; expense ratio 21.8%.","Annualized ROE 18.2%; book value per share (ex-U/L) $26.42, up 17% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001547903-24-000101","json":"https://secwatch.observer/filing/0001547903-24-000101.json","markdown":"https://secwatch.observer/filing/0001547903-24-000101.md","text":"https://secwatch.observer/filing/0001547903-24-000101.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1547903/000154790324000101/0001547903-24-000101-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1547903/000154790324000101/nmih-20240430.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T04:22:24.130634+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":[{"claim_id":"3256165ea3edb0ac0d3940c2722db00504ad1256","claim":"NMI Holdings, Inc. reported three months ended March 31, 2024 results: net income net income of $89.0 million, EPS Diluted earnings per share was $1.08.","evidence_excerpt":"NMI Holdings, Inc. (Nasdaq: NMIH) today reported net income of $89.0 million, up 7% compared to $83.4 million in the fourth quarter ended December 31, 2023 and up 20% compared to $74.5 million in the first quarter ended March 31, 2023. Diluted earnings per share was $1.08, up 8% compared to $1.01 in the fourth quarter ended December 31, 2023 and up 24% compared to $0.88 in the first quarter ended March 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1547903/000154790324000101/0001547903-24-000101-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended March 31, 2024"},{"label":"Net income","value":"net income of $89.0 million"},{"label":"EPS","value":"Diluted earnings per share was $1.08"},{"label":"Result","value":"reported results"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}