---
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"
generated_at: "2026-07-30T20:05:07.883435+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# NMI Holdings reports record Q2 net income of $105.8M, diluted EPS $1.38, up 14% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001547903-26-000037
- JSON: https://secwatch.observer/filing/0001547903-26-000037.json
- Plain text: https://secwatch.observer/filing/0001547903-26-000037.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.