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NMI Holdings, Inc. (NMIH) Total Return Calculator with Dividends Reinvested

NMI Holdings, Inc.

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The total return for NMI Holdings, Inc. (NMIH) stock is +0.48% over the past 12 months. So far it's down 7.26% this year. The 5-year total return is +50.34%, meaning $10,000 invested in NMIH stock 5 years ago would be worth $15,034 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in NMIH 1 year ago, it would be worth $9,918 today — you'd have lost $82.

With Dividends Reinvested$9,918-0.82%

Price Only (No DRIP)$9,918-0.82%

Period2025-05-06 → 2026-05-05

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in NMIH

1Y$10,048+$48 (+0.5%)0.5% CAGR

3Y$15,924+$5,924 (+59.2%)16.8% CAGR

5Y$15,034+$5,034 (+50.3%)8.5% CAGR

10Y$57,850+$47,850 (+478.5%)19.2% CAGR

15Y$26,900+$16,900 (+169.0%)6.8% CAGR

20Y$26,900+$16,900 (+169.0%)5.1% CAGR

30Y$26,900+$16,900 (+169.0%)3.4% CAGR

NMI Holdings, Inc. did not pay dividends during this period. Total return = price return.

Loading NMIH total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	-7.26%	—	-7.26%	—	$9,274
1Y	+0.48%	0.48%	+0.48%	—	$10,048
3Y	+59.24%	16.78%	+59.24%	—	$15,924
5Y	+50.34%	8.50%	+50.34%	—	$15,034
10Y	+478.50%	19.19%	+478.50%	—	$57,850
15Y	+169.00%	6.82%	+169.00%	—	$26,900
20Y	+169.00%	5.07%	+169.00%	—	$26,900
30Y	+169.00%	3.35%	+169.00%	—	$26,900

Risk & Highlights

Best Year+85.78%2019

Worst Year-29.81%2020

Max Drawdown-18.08%2025-07-03 → 2025-10-16

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-3.20%	-3.20%	—	+0.41%	-3.6pp
2025	+11.45%	+11.45%	—	+16.64%	-5.2pp
2024	+23.94%	+23.94%	—	+24.00%	-0.1pp
2023	+40.40%	+40.40%	—	+24.81%	+15.6pp
2022	-5.77%	-5.77%	—	-19.95%	+14.2pp

NMIH underperformed the S&P 500 by 27.96pp over the past year (+0.48% vs +28.44%).

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NMIH Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
NMIHNMI Holdings, Inc.	$2.9B	-0.7%	-7.3%	+0.5%	—	+59.2%	+50.3%	+478.5%
MTGMGIC Investment Corporation	$5.5B	-2.9%	-9.5%	+3.0%	+2.2pp	+88.0%	+90.0%	+324.6%
RDNRadian Group Inc.	$4.8B	+4.7%	-0.2%	+8.0%	+3.0pp	+55.3%	+69.8%	+230.5%
ESNTEssent Group Ltd.	$5.9B	+0.9%	-6.4%	+5.1%	+2.2pp	+49.3%	+25.5%	+216.5%
PFSIPennyMac Financial Services, Inc.	$4.6B	-3.2%	-33.3%	-9.2%	+1.2pp	+54.9%	+53.5%	+598.9%
ACTEnact Holdings, Inc.	$6.0B	+1.3%	+7.3%	+18.0%	+2.3pp	+90.5%	+135.0%	+135.0%
FAFFirst American Financial Corporation	$7.0B	+13.0%	+12.9%	+14.7%	+3.6pp	+28.4%	+21.0%	+137.3%
FNFFidelity National Financial, Inc.	$13.9B	+9.9%	-4.8%	-17.6%	+3.1pp	+67.0%	+37.0%	+181.8%
STCStewart Information Services Corporation	$2.1B	+11.9%	-1.2%	+7.6%	+3.2pp	+77.3%	+28.7%	+135.9%
ITICInvestors Title Company	$448M	+6.5%	-3.5%	+4.5%	+4.5pp	+84.7%	+61.1%	+253.5%
UWMCUWM Holdings Corporation	$724M	-8.7%	-20.1%	-19.8%	+8.4pp	-20.7%	-30.4%	-40.6%

Compare:NMIH vs MTG NMIH vs RDN NMIH vs ESNT NMIH vs MTG vs RDN

About NMIH Dividend Returns

NMI Holdings, Inc. (NMIH) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of NMIH over the past year?

NMI Holdings, Inc. (NMIH) delivered a return of 0.48% over the past year. Since NMIH does not currently pay dividends, the total return equals the price-only return.

Q2How much would $10,000 invested in NMIH be worth today?

A $10,000 investment in NMI Holdings, Inc. one year ago would be worth $10,048 today, representing a gain of $48.

Q3Does NMIH pay dividends?

NMI Holdings, Inc. (NMIH) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For NMIH, the total return equals the price-only return.

Q4Did NMIH beat the S&P 500?

No, NMI Holdings, Inc. (NMIH) underperformed the S&P 500 by 27.96 percentage points over the past year. NMIH delivered a total return of 0.48%, compared to the S&P 500's 28.44%. This means a passive S&P 500 index fund outperformed NMIH by 27.96pp during this period.

Q5What is NMIH's worst drawdown?

NMI Holdings, Inc. (NMIH) experienced a maximum drawdown of -18.08% over the past year, declining from its peak on 2025-07-03 to its trough on 2025-10-16. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is NMIH's long-term total return over 10, 20, or 30 years?

Here are NMI Holdings, Inc. (NMIH)'s long-term returns with dividends reinvested. Over 10 years, the total return is 478.5% (19.2% CAGR) — $10,000 would have grown to $57,850. Over 20 years: 169.0% total return (5.1% CAGR) — $10,000 → $26,900. Over 30 years: 169.0% total return (3.4% CAGR) — $10,000 → $26,900. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was NMIH's best and worst year?

NMI Holdings, Inc.'s best calendar year was 2019 with a total return of 85.8%. Its worst year was 2020 with a total return of -29.8%. This range shows the volatility investors should expect — the difference between the best and worst year is 115.6 percentage points.