{"schema_version":"secwatch.filing_event.v1","accession":"0001547903-24-000158","form_type":"8-K","ticker":"NMIH","cik":"0001547903","company_name":"NMI Holdings, Inc.","filed_at":"2024-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.757445+00:00","generated_at":"2026-05-30T04:31:31.334147+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"NMI Holdings Q3 net income $92.8M, EPS $1.15; insurance-in-force $207.5B; new reinsurance deals","bullets":["Net income $92.8M ($1.15 diluted EPS), up 11% YoY; adjusted diluted EPS $1.15.","Total revenue $166.1M (+12% YoY); net premiums earned $143.3M (+10% YoY).","Primary insurance-in-force $207.5B (+7% YoY); new insurance written $12.2B (+8% YoY).","Loss ratio 7.2% (vs 3.7% YoY) as claims expenses rose to $10.3M from $4.8M.","Entered new quota share and excess-of-loss reinsurance agreements covering 2025-2027."],"urls":{"canonical":"https://secwatch.observer/filing/0001547903-24-000158","json":"https://secwatch.observer/filing/0001547903-24-000158.json","markdown":"https://secwatch.observer/filing/0001547903-24-000158.md","text":"https://secwatch.observer/filing/0001547903-24-000158.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1547903/000154790324000158/0001547903-24-000158-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1547903/000154790324000158/nmih-20241106.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T04:31:31.334147+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"}