NMI控股公司 NMIH
$39.03 −$5.24 (-11.84%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $38.44 -1.51%
开盘$40.01
昨收$44.27
当日区间$36.47 – $41.29
成交量1.95M
市值$2.92B
市盈率（TTM）7.7
股息率–
基本面
最新报告季度：Q2, ended Jun 2026
营收$187.89M+8.1% YoY
净利润$105.79M+10.0% YoY
摊薄每股收益$1.38+14.0% YoY
自由现金流$140.25M+10.7% YoY
经营现金流$142.63M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率54.1%
净资产收益率15.4%
资产收益率10.4%
负债/资产比率32.3%
总负债$418.02M
自由现金流/营收60.4%
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 报告营业总收入 | $187.89M | $183.48M | $706.44M | $180.74M | $178.68M |
| 营业总收入 | $187.89M | $183.48M | $706.44M | $180.74M | $178.68M |
| 已赚保费合计 | $157.52M | $154.81M | $602.21M | $152.46M | $151.32M |
| -净承保保费 | $155.35M | $151.83M | $583.72M | $149.32M | $146.96M |
| -未到期保费净准备增减 | $2.18M | $2.98M | $18.49M | $3.14M | $4.36M |
| 手续费收入及其他收入 | $265,000.00 | $212,000.00 | $859,000.00 | $263,000.00 | $262,000.00 |
| -其他收入/费用 | $265,000.00 | $212,000.00 | $859,000.00 | $263,000.00 | $262,000.00 |
| 净投资收益 | $29.53M | $27.70M | $99.04M | $26.53M | $25.87M |
| 投资已实现损益净额 | -$229,000.00 | -$147,000.00 | $432,000.00 | $487,000.00 | $321,000.00 |
| 利息收入 | $800,000.00 | $900,000.00 | $3.90M | $1.00M | $900,000.00 |
| 总费用 | $50.95M | $58.53M | $206.64M | $59.59M | $55.00M |
| 理赔费用 | $13.15M | $20.66M | $57.65M | $21.17M | $18.55M |
| 手续费及佣金支出 | $190,000.00 | $139,000.00 | $601,000.00 | $213,000.00 | $162,000.00 |
| 承保费用 | $30.49M | $30.62M | $119.91M | $31.07M | $29.16M |
| 非经营性利息净收入（支出） | -$7.12M | -$7.11M | -$28.48M | -$7.13M | -$7.12M |
| -非经营性利息支出 | $7.12M | $7.11M | $28.48M | $7.13M | $7.12M |
| 税前利润 | $136.95M | $124.94M | $499.80M | $121.15M | $123.68M |
| 税费 | $31.16M | $25.61M | $110.88M | $26.93M | $27.68M |
| 净利润 | $105.79M | $99.33M | $388.93M | $94.22M | $96.00M |
| 持续经营利润 | $105.79M | $99.33M | $388.93M | $94.22M | $96.00M |
| 归属母公司净利润 | $105.79M | $99.33M | $388.93M | $94.22M | $96.00M |
| 归属普通股股东净利润 | $105.79M | $99.33M | $388.93M | $94.22M | $96.00M |
| 基本每股收益 | $1.40 | $1.30 | $5.01 | $1.23 | $1.24 |
| 摊薄每股收益 | $1.38 | $1.28 | $4.92 | $1.20 | $1.22 |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $4.00B | $3.91B | $3.84B | $3.84B | $3.73B |
| 现金及现金等价物 | $72.12M | $70.68M | $43.94M | $43.94M | $130.44M |
| 投资合计 | $3.26B | $3.17B | $3.14B | $3.14B | $3.02B |
| -短期投资 | $555.14M | $399.17M | $404.43M | $404.43M | $375.39M |
| -股权投资 | $2.70B | $2.77B | $2.73B | $2.73B | $2.64B |
| 应收款 | $127.21M | $126.56M | $124.84M | $124.84M | $121.05M |
| -应收账款 | $127.21M | $126.56M | $124.84M | $124.84M | $121.05M |
| 应计投资收益 | $30.87M | $29.73M | $27.25M | $27.25M | $25.79M |
| 固定资产净值 | $20.76M | $20.89M | $21.73M | $21.73M | $22.76M |
| 商誉及其他无形资产 | $3.63M | $3.63M | $3.63M | $3.63M | $3.63M |
| 预付资产 | $400.26M | $400.26M | $400.26M | $400.26M | $322.18M |
| 递延保单获取成本 | $64.65M | $64.33M | $64.37M | $64.37M | $64.19M |
| 其他资产 | $19.93M | $19.45M | $18.06M | $18.06M | $21.59M |
| 负债合计 | $1.29B | $1.28B | $1.25B | $1.25B | $1.21B |
| 保单持有人负债 | $41.51M | $43.68M | $46.66M | $46.66M | $49.80M |
| 长期债务及融资租赁负债 | $418.02M | $417.52M | $417.03M | $417.03M | $416.55M |
| -长期债务 | $418.02M | $417.52M | $417.03M | $417.03M | $416.55M |
| 一年以上递延负债 | $511.35M | $491.88M | $478.89M | $478.89M | $463.26M |
| 其他负债 | $222.71M | $219.29M | $204.94M | $204.94M | $189.31M |
| 股东权益合计 | $2.71B | $2.63B | $2.59B | $2.59B | $2.51B |
| 股东权益 | $2.71B | $2.63B | $2.59B | $2.59B | $2.51B |
| 股本 | $890,000.00 | $890,000.00 | $884,000.00 | $884,000.00 | $884,000.00 |
| -普通股 | $890,000.00 | $890,000.00 | $884,000.00 | $884,000.00 | $884,000.00 |
| 资本公积 | $1.01B | $1.01B | $1.02B | $1.02B | $1.01B |
| 留存收益 | $2.18B | $2.07B | $1.97B | $1.97B | $1.88B |
| 减：库存股 | $411.21M | $379.50M | $351.77M | $351.77M | $320.88M |
| 不影响留存收益的损益 | -$74.32M | -$68.16M | -$46.08M | -$46.08M | -$53.65M |
| 受限现金及现金等价物 | – | – | $0.00 | $0.00 | $0.00 |
| -商誉 | – | – | $3.24M | $3.24M | – |
| -其他无形资产 | – | – | $390,000.00 | $390,000.00 | – |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $142.63M | $116.09M | $419.30M | $61.74M | $128.05M |
| 持续经营经营活动现金流净额 | $142.63M | $116.09M | $419.30M | $61.74M | $128.05M |
| 持续经营净利润 | $105.79M | $99.33M | $388.93M | $94.22M | $96.00M |
| 持续经营损益 | $229,000.00 | $147,000.00 | -$432,000.00 | -$487,000.00 | -$321,000.00 |
| 递延税款 | $21.11M | $18.86M | $71.77M | $13.61M | $16.80M |
| 营运资金变动 | $7.68M | -$9.32M | -$70.74M | -$54.08M | $9.03M |
| -应收款变动 | -$648,000.00 | -$1.73M | -$9.77M | -$3.79M | -$4.70M |
| -赔款及理赔费用准备变动 | $3.38M | $14.78M | $44.36M | $16.08M | $17.31M |
| -递延获取成本变动 | -$317,000.00 | $42,000.00 | -$45,000.00 | -$180,000.00 | -$44,000.00 |
| -应计投资收益变动 | -$1.15M | -$2.47M | -$4.87M | -$1.46M | -$1.41M |
| -应付账款及应计费用变动 | $9.17M | -$14.64M | -$2.17M | $13.16M | $937,000.00 |
| -未到期保费变动 | -$2.17M | -$2.98M | -$18.56M | -$3.14M | -$4.36M |
| -其他流动资产变动 | -$575,000.00 | -$2.32M | -$1.48M | $3.32M | $1.29M |
| -Change in Other Working Capital | $0.00 | $0.00 | -$131,000.00 | $0.00 | $1,000.00 |
| 投资活动现金流净额 | -$108.44M | -$47.91M | -$316.47M | -$117.66M | -$57.02M |
| 持续经营投资活动现金流净额 | -$108.44M | -$47.91M | -$316.47M | -$117.66M | -$57.02M |
| 无形资产购置及出售净额 | -$2.38M | -$1.10M | -$6.78M | – | – |
| 投资购置及出售净额 | -$106.06M | -$46.81M | -$309.69M | -$116.01M | -$55.25M |
| 筹资活动现金流 | -$32.74M | -$41.44M | -$113.20M | -$30.59M | -$24.60M |
| 持续经营筹资活动现金流净额 | -$32.74M | -$41.44M | -$113.20M | -$30.59M | -$24.60M |
| 普通股发行净额 | -$32.29M | -$27.68M | -$105.10M | -$30.59M | -$24.59M |
| 股票期权行使所得 | $23,000.00 | $3.88M | $2.88M | $0.00 | $47,000.00 |
| 其他筹资费用净额 | -$477,000.00 | -$17.65M | -$10.98M | $0.00 | -$59,000.00 |
| 期末现金余额 | $72.12M | $70.68M | $43.94M | $43.94M | $130.44M |
| 现金净变动 | $1.44M | $26.74M | -$10.37M | -$86.50M | $46.43M |
| 期初现金余额 | $70.68M | $43.94M | $54.31M | $130.44M | $84.01M |
| 自由现金流 | $140.25M | $114.99M | $412.52M | $60.10M | $126.27M |
| -预付资产变动 | – | – | -$78.08M | – | – |
| Net Issuance Payments of Debt | – | – | $0.00 | $0.00 | – |
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