NMIH Q2 net income $96.2M, EPS $1.21; loss ratio rises to 9.0%

NMI Holdings, Inc.

2025-Q2 EPS reported $2.50 revenue$347,025,000

Net income $96.2M ($1.21 diluted EPS) vs $102.6M Q1 and $92.1M prior-year Q2.
Adjusted net income $96.5M ($1.22 adj. EPS); total revenue $173.8M, up 7% YoY.
Loss ratio 9.0% vs 3.0% Q1 and 0.2% Q2 2024; claims $13.4M vs $0.3M year ago.
Insurance-in-force $214.7B, +2% QoQ; book value ex-unrealized $32.08, +16% YoY.
Expense ratio improved to 19.8% from 20.2% Q1; adj. ROE 16.3% vs 19.4% prior year.

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