{"schema_version":"secwatch.filing_event.v1","accession":"0001547903-25-000101","form_type":"8-K","ticker":"NMIH","cik":"0001547903","company_name":"NMI Holdings, Inc.","filed_at":"2025-11-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.706333+00:00","generated_at":"2026-05-17T00:37:06.292628+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"NMIH Q3 net income $96M ($1.22 EPS); revenue $178.7M; insurance-in-force up 5% YoY","bullets":["Net income $96.0M ($1.22 diluted EPS) vs $92.8M ($1.15) YoY; adjusted EPS $1.21.","Total revenue $178.7M, up 8% YoY; net premiums earned $151.3M, up 6% YoY.","Primary insurance-in-force $218.4B, up 2% QoQ and 5% YoY; NIW $13.0B.","Claims expenses $18.6M, loss ratio 12.3% (vs 7.2% YoY); expense ratio improved to 19.3%.","Book value per share ex. unrealized gains $33.32, up 4% QoQ and 16% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001547903-25-000101","json":"https://secwatch.observer/filing/0001547903-25-000101.json","markdown":"https://secwatch.observer/filing/0001547903-25-000101.md","text":"https://secwatch.observer/filing/0001547903-25-000101.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1547903/000154790325000101/0001547903-25-000101-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1547903/000154790325000101/nmih-20251104.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:37:06.292628+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"}