{"schema_version":"secwatch.filing_event.v1","accession":"0001547903-26-000037","form_type":"8-K","ticker":"NMIH","cik":"0001547903","company_name":"NMI Holdings, Inc.","filed_at":"2026-07-30T20:03:58+00:00","discovered_at":"2026-07-30T20:05:00.730676+00:00","generated_at":"2026-07-30T20:05:07.883435+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 reports record Q2 net income of $105.8M, diluted EPS $1.38, up 14% YoY","bullets":["Net income $105.8M ($1.38 diluted EPS) vs $96.2M ($1.21) in Q2 2025, up 10% and 14% respectively.","Primary insurance-in-force $227.1B, up 6% YoY; new insurance written $16.1B, up 29% YoY.","Loss ratio improved to 8.3% from 9.0% YoY and 13.3% QoQ; expense ratio 19.4%.","Book value per share ex unrealized gains $36.88, up 15% YoY; annualized adjusted ROE 15.9%.","Total revenue $187.9M, up 8% YoY; net premiums earned $157.5M, up 6% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001547903-26-000037","json":"https://secwatch.observer/filing/0001547903-26-000037.json","markdown":"https://secwatch.observer/filing/0001547903-26-000037.md","text":"https://secwatch.observer/filing/0001547903-26-000037.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1547903/000154790326000037/0001547903-26-000037-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1547903/000154790326000037/nmih-20260730.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-30T20:05:07.883435+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"}