{"schema_version":"secwatch.filing_event.v1","accession":"0001547903-25-000059","form_type":"8-K","ticker":"NMIH","cik":"0001547903","company_name":"NMI Holdings, Inc.","filed_at":"2025-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.719482+00:00","generated_at":"2026-05-23T03:47:14.333123+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":"NMI Holdings posts record Q1 2025 net income $102.6M, diluted EPS $1.28","bullets":["Net income of $102.6M ($1.28 diluted EPS) vs $89.0M ($1.08) in Q1 2024, up 15% and 18% respectively.","Total revenue $173.2M, net premiums earned $149.4M, both up 9% YoY.","Loss ratio improved to 3.0% from 12.0% in prior quarter; expense ratio 20.2% vs 21.7%.","Primary insurance-in-force $211.3B (+6% YoY); book value per share (ex-unrealized) $30.85 (+17% YoY)."],"urls":{"canonical":"https://secwatch.observer/filing/0001547903-25-000059","json":"https://secwatch.observer/filing/0001547903-25-000059.json","markdown":"https://secwatch.observer/filing/0001547903-25-000059.md","text":"https://secwatch.observer/filing/0001547903-25-000059.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1547903/000154790325000059/0001547903-25-000059-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1547903/000154790325000059/nmih-20250429.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T03:47:14.333123+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"}