{"schema_version":"secwatch.filing_event.v1","accession":"0001547903-25-000092","form_type":"8-K","ticker":"NMIH","cik":"0001547903","company_name":"NMI Holdings, Inc.","filed_at":"2025-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.296644+00:00","generated_at":"2026-05-17T23:40:24.590508+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"NMIH Q2 net income $96.2M, EPS $1.21; loss ratio rises to 9.0%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001547903-25-000092","json":"https://secwatch.observer/filing/0001547903-25-000092.json","markdown":"https://secwatch.observer/filing/0001547903-25-000092.md","text":"https://secwatch.observer/filing/0001547903-25-000092.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1547903/000154790325000092/0001547903-25-000092-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1547903/000154790325000092/nmih-20250729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T23:40:24.590508+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"}