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NMI Holdings, Inc. (NMIH) Q4 2025 Earnings Call Transcript

Seeking Alpha
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⚡ Quantum Brief
NMI Holdings reported Q4 2025 earnings with EPS of $1.20, beating estimates by $0.01, while revenue reached $180.74 million, up 8.55% year-over-year but missing projections by $2.13 million. Executive leadership—CEO Adam Pollitzer, CFO Aurora Swithenbank, and Chairman Bradley Shuster—led the February 10, 2026, earnings call, addressing financial performance and forward-looking strategies amid market volatility. Analysts from JPMorgan, Barclays, and Truist questioned operational resilience, mortgage insurance trends, and risk management, signaling investor focus on sector stability amid economic uncertainty. The company highlighted SEC filings as critical for understanding material risks, emphasizing potential discrepancies between projections and actual results due to market fluctuations. Forward-looking statements were disclosed without commitment to updates, underscoring cautious optimism despite regulatory and economic challenges in the mortgage insurance industry.
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SA Transcripts158.29K FollowersFollow5ShareSaveCommentsQ4: 2026-02-10 Earnings SummaryInsightsTranscript InsightsPlay CallPlay CallEPS of $1.20 beats by $0.01 | Revenue of $180.74M (8.55% Y/Y) misses by $2,130.00 NMI Holdings, Inc. (NMIH) Q4 2025 Earnings Call February 10, 2026 5:00 PM EST Company Participants John Swenson - Vice President of Investor Relations & TreasuryBradley Shuster - Executive ChairmanAdam Pollitzer - President, CEO & DirectorAurora Swithenbank - Executive VP & CFO Conference Call Participants Bose George - Keefe, Bruyette, & Woods, Inc., Research DivisionTerry Ma - Barclays Bank PLC, Research DivisionRichard Shane - JPMorgan Chase & Co, Research DivisionMark Hughes - Truist Securities, Inc., Research Division Presentation Operator Good day, and welcome to the NMI Holdings, Inc. Fourth Quarter 2025 Earnings Conference Call. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to John Swenson, Vice President of Investor Relations and Treasury. Please go ahead, sir. John SwensonVice President of Investor Relations & Treasury Thank you. Good afternoon, and welcome to the 2025 Fourth Quarter Conference Call for National MI. I'm John Swenson, Vice President of Investor Relations and Treasury. Joining us on the call today are Brad Shuster, Executive Chairman; Adam Pollitzer, President and Chief Executive Officer; and Aurora Swithenbank, our Chief Financial Officer. Financial results for the quarter were released after the close today. The press release may be accessed on NMI's website located at nationalmi.com under the Investor's tab. During the course of this call, we may make comments about our expectations for the future. Actual results could differ materially from those contained in these forward-looking statements. Additional information about the factors that could cause actual results or trends to differ materially from those discussed on the call can be found on our website or through our filings with the SEC. If and to the extent the company makes forward-looking statements, we do not undertake any obligation to update those statements in the future in light

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