NMI Holdings, Inc. (NMIH) quarterly income statement — complete revenue, gross profit & net income history
| Revenue | 183.47M | 180.47M | 178.68M | 173.78M | 173.25M | 166.5M | 166.09M | 162.12M | 156.25M | 151.38M | 148.16M | 142.69M |
| Revenue Growth % | 5.9% | 8.39% | 7.58% | 7.19% | 10.88% | 9.99% | 12.1% | 13.62% | 14.24% | 13.73% | 13.46% | 7.09% |
| Medical Costs & Claims | 20.66M | 21.17M | 18.72M | 13.55M | 4.59M | 17.44M | 10.53M | 470K | 3.83M | 8.42M | 5.05M | 3.14M |
| Medical Cost Ratio % | 11.26% | 11.73% | 10.47% | 7.8% | 2.65% | 10.47% | 6.34% | 0.29% | 2.45% | 5.56% | 3.41% | 2.2% |
| Gross Profit | 162.81M | 159.3M | 159.96M | 160.22M | 168.65M | 149.07M | 155.56M | 161.65M | 152.42M | 142.96M | 143.11M | 139.54M |
| Gross Margin % | 88.74% | 88.27% | 89.53% | 92.2% | 97.35% | 89.53% | 93.66% | 99.71% | 97.55% | 94.44% | 96.59% | 97.8% |
| Gross Profit Growth % | -3.46% | 6.87% | 2.83% | -0.88% | 10.65% | 4.27% | 8.7% | 15.84% | 17.25% | 10.37% | 6.98% | 2.65% |
| Operating Expenses | 37.87M | 38.15M | 36.28M | 36.62M | 37.28M | 38.19M | 36.24M | 43.01M | 37.85M | 37.78M | 35.81M | 35.5M |
| OpEx / Revenue % | 20.64% | 21.14% | 20.3% | 21.07% | 21.52% | 22.94% | 21.82% | 26.53% | 24.23% | 24.96% | 24.17% | 24.88% |
| Depreciation & Amortization | 2.48M | 2.7M | 2.84M | 2.84M | 2.89M | 2.97M | 2.98M | 2.99M | 3M | 3.02M | 2.87M | 2.84M |
| Combined Ratio % | 31.9% | 32.87% | 30.78% | 28.87% | 24.17% | 33.41% | 28.16% | 26.82% | 26.68% | 30.52% | 27.58% | 27.08% |
| Operating Income | 124.94M | 121.15M | 123.68M | 123.6M | 131.37M | 110.87M | 119.33M | 118.64M | 114.57M | 105.18M | 107.3M | 104.05M |
| Operating Margin % | 68.1% | 67.13% | 69.22% | 71.13% | 75.83% | 66.59% | 71.84% | 73.18% | 73.32% | 69.48% | 72.42% | 72.92% |
| Operating Income Growth % | -4.89% | 9.27% | 3.65% | 4.18% | 14.67% | 5.41% | 11.21% | 14.03% | 19.13% | 10.97% | 8.84% | 7.06% |
| EBITDA | 127.42M | 123.84M | 126.52M | 126.44M | 134.26M | 113.84M | 122.31M | 121.64M | 117.56M | 108.21M | 110.17M | 106.89M |
| EBITDA Margin % | 69.45% | 68.62% | 70.81% | 72.76% | 77.5% | 68.37% | 73.64% | 75.03% | 75.24% | 71.48% | 74.36% | 74.92% |
| Interest Expense | 7.11M | 7.13M | 7.12M | 7.12M | 7.11M | 7.1M | 7.08M | 14.68M | 8.04M | 8.07M | 8.06M | 8.05M |
| Non-Operating Income | -7.11M | -7.13M | -7.12M | -7.12M | -7.11M | -7.1M | -7.08M | -14.68M | -8.04M | -8.07M | -8.06M | -8.05M |
| Pretax Income | 124.94M | 121.15M | 123.68M | 123.6M | 131.37M | 110.87M | 119.33M | 118.64M | 114.57M | 105.18M | 107.3M | 104.05M |
| Pretax Margin % | 68.1% | 67.13% | 69.22% | 71.13% | 75.83% | 66.59% | 71.84% | 73.18% | 73.32% | 69.48% | 72.42% | 72.92% |
| Income Tax | 25.61M | 26.93M | 27.68M | 27.45M | 28.81M | 24.71M | 26.52M | 26.57M | 25.52M | 21.77M | 23.34M | 23.77M |
| Effective Tax Rate % | 20.5% | 22.23% | 22.38% | 22.21% | 21.93% | 22.28% | 22.22% | 22.39% | 22.27% | 20.7% | 21.76% | 22.84% |
| Net Income | 99.33M | 94.22M | 96M | 96.15M | 102.56M | 86.17M | 92.81M | 92.08M | 89.05M | 83.41M | 83.95M | 80.28M |
| Net Margin % | 54.14% | 52.21% | 53.73% | 55.33% | 59.2% | 51.75% | 55.88% | 56.8% | 56.99% | 55.1% | 56.67% | 56.27% |
| Net Income Growth % | -3.15% | 9.34% | 3.44% | 4.42% | 15.17% | 3.3% | 10.55% | 14.69% | 19.6% | 14.36% | 9.26% | 6.42% |
| EPS (Diluted) | 1.28 | 1.20 | 1.22 | 1.21 | 1.28 | 1.07 | 1.15 | 1.13 | 1.08 | 1.01 | 1.00 | 0.95 |
| EPS Growth % | 0% | 12.15% | 6.09% | 7.08% | 18.52% | 5.94% | 15% | 18.95% | 22.73% | 17.44% | 11.11% | 10.47% |
| EPS (Basic) | 1.30 | 1.23 | 1.24 | 1.23 | 1.31 | 1.09 | 1.17 | 1.15 | 1.10 | 1.03 | 1.02 | 0.97 |
| Diluted Shares Outstanding | 77.44M | 78.21M | 78.83M | 79.26M | 79.86M | 80.62M | 81.05M | 81.3M | 82.1M | 82.69M | 83.67M | 84.19M |