{"schema_version":"secwatch.filing_event.v1","accession":"0001547903-26-000004","form_type":"8-K","ticker":"NMIH","cik":"0001547903","company_name":"NMI Holdings, Inc.","filed_at":"2026-02-10T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.395491+00:00","generated_at":"2026-05-16T03:35:09.529201+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 Q4 net income $94.2M ($1.20 EPS); FY 2025 record results, insurance-in-force up 5%","bullets":["Q4 net income $94.2M ($1.20 diluted EPS) vs $86.2M ($1.07) in Q4 2024; adjusted EPS $1.20.","Full-year 2025 net income $388.9M ($4.92 EPS) vs $360.1M ($4.43) in 2024; record annual results.","Primary insurance-in-force $221.4B (+5% YoY); new insurance written $14.2B (+19% YoY).","Q4 loss ratio 13.9% (vs 12.0% YoY); expense ratio 20.4% (vs 21.7% YoY); underwriting expenses flat.","Book value per share ex-unrealized gains $34.58 (+16% YoY); annualized ROE 14.8%."],"urls":{"canonical":"https://secwatch.observer/filing/0001547903-26-000004","json":"https://secwatch.observer/filing/0001547903-26-000004.json","markdown":"https://secwatch.observer/filing/0001547903-26-000004.md","text":"https://secwatch.observer/filing/0001547903-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1547903/000154790326000004/0001547903-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1547903/000154790326000004/nmih-20260210.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T03:35:09.529201+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"}