Should I buy NMI Holdings, Inc. (NMIH) stock or is it too late?

NMI Holdings, Inc. · Financials · price $45

See the full NMI Holdings, Inc. (NMIH) profile

⭐ What the most reliable analysts say · those who beat their sector, targets replayed on real prices

⭐ The most reliable of them, either direction: Truist Securities — 71% of its targets hit on this sector (58 calls tested). It aims for $51 (+14 %), call made on August 1, 2026, maturing on August 1, 2027 (27 d ago).

The 3 reliable analysts $50+12 %

The 2 other firms $44.50-0.7 %

How to read it: the 3 reliable firms are not filtered by optimism — 3 aim above the price, 0 below, hence their $50 median. “The 2 others” are the firms that don't pass our reliability filter on this sector.

Firm-by-firm track record on NMI Holdings, Inc.

Here the hit rate is measured <b>on this stock specifically</b> (matured targets replayed against real prices, minimum 5 calls tested) — the green block above measures reliability <b>across the whole sector</b>, which is the criterion behind JPI selections. “Aims for” = the firm's most recent target on this stock; “—” means it hasn't published one recently.

Firm	% right	Gain vs sector	Calls	Aims for
B. Riley Securities	78 %	+47.7 %	9	$17 -62%
Keefe, Bruyette & Woods	75 %	+39.6 %	8	$47 +5%
JP Morgan	86 %	+19.9 %	14	$50 +12%
Compass Point	50 %	+5.5 %	6	$37 -17%
Barclays	38 %	-3.0 %	8	$43 -4%
Deutsche Bank	100 %	+56.3 %	6	—
Citigroup	100 %	+33.4 %	5	—

In short — Should you invest in NMI Holdings, Inc.? Is it too late, still worth it? Analysts are overwhelmingly positive (80% buy, median target $47, i.e. +5%), and the most reliable on NMIH targets even higher. But it pays virtually no dividend. We give you both sides, with the numbers — not advice.

✅ Reasons to believe

80% of analysts rate it a buy (Buy consensus, 5 ratings) — a sign of market conviction.
The most reliable firm on NMIH, JP Morgan (86% hit rate, 14 scored calls), targets $50 (call made on July 31, 2026, maturing on July 31, 2027) (+12%) in its most recent call, and $43 (call made on October 7, 2025, maturing on October 7, 2026) (-4%) in the one coming due soonest.

⚠️ Reasons to hesitate

The consensus is not unanimous: of 5 ratings, 1 is neutral.
Limited upside: the median target is only +5% from the current price.
A 12-month target is not a guaranteed path: the price can fall in the meantime.
No dividend: your return depends only on price appreciation.

The analyst consensus on NMIH

Median target $47 (+5%) · 5 ratings · Buy consensus

Strong Buy00%

Buy480%

Hold120%

Sell00%

Strong Sell00%

⚠️ Information, not investment advice. Past performance does not guarantee future results. Analyst targets on a ~12-month horizon.

Frequently asked questions

Should you invest in NMI Holdings, Inc. now?

We won't decide for you. The facts: 80% of analysts rate it a buy, median target $47 (+5%), and JP Morgan (most reliable on NMIH, 86%) targets $50. Weigh that against valuation. This is not personalized advice.

Is it too late to invest in NMI Holdings, Inc.?

Not according to analysts: the median target ($47) is still +5% above the current price ($45) (most reliable on NMIH: JP Morgan, 86%). The real question isn't "too late" but the price-to-value gap and risk. Not advice.

Is NMI Holdings, Inc. still worth investing in?

It depends on the gap between the price ($45) and its estimated value: analysts target $47 on median (+5%), with 80% buys (most reliable on NMIH: JP Morgan, 86%). Cross-check with their real reliability on NMIH and the cautions above. Information, not advice.

What's the main risk in buying NMIH?

The consensus is not unanimous: of 5 ratings, 1 is neutral.

→ Go deeper: the full NMI Holdings, Inc. profile (consensus, analyst reliability, price target, performance).