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The PMI Group (PMIR) Fair Value & Analysis

Financial Services · US · Market cap $519K

TP The PMI Group logo The PMI Group PMIR · US
Price$0.2400
Fair Value$0.2824
Upside+17.7%
Quality30/100
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Weak Growth
Thin margins · 0.0% net margin
Moderate debt
Trails peers (1/7)
Narrow moat 8/100
Evidence: Low Range $0.2106 – $0.4212 Share as image

Fair value as of: Jul 27, 2026

From 1 valuation models · updated 14 days ago

Fair value updated Jul 27, 2026, revised from $0.2761 to $0.2824 (+2.3%) since Jun 26, 2026.

Below-average quality, screening 18% undervalued on our models.

What matters now

  • A fairly wide model range ($0.2106 to $0.4212) leaves room in how you read the outcome.
  • Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

$3.28 $0.2400 Fair Value $0.2824 Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $0.2400 – $3.28 · fair‑value band $0.2106 – $0.4212 · the $0.2400 price screens below the $0.2824 fair value. Dashed = 300-day average. As of Jul 27, 2026.

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Analysis

The PMI Group (PMIR) currently trades at $0.2400, while our model-based Fair Value estimate is $0.2824, implying the stock looks roughly 17.7% undervalued today. The Quality Score stands at 30/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.

Trailing-twelve-month revenue stands at $2.0K. Revenue grew 100.0% year over year. Fundamentals as of Jul 27, 2026

Our scenario range runs from $0.2106 (bear case) to $0.4212 (bull case); at $0.2400, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 4% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 46% fair-value upside, at 18%, PMIR screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
NCAV (Graham) $100.09 $134.12 $200.18 50
All 1 models by family
Asset-Based
NCAV (Graham) $100.09 $134.12 $200.18 50

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Key figures & financial health

Revenue (TTM) $2.0K
Revenue growth (YoY) +100%
Return on equity -153%
Operating margin -17,500%
EPS (TTM) $-4.50

Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 30/100

Of which business quality 32 · Market factors (momentum, volatility) 50

Profitability 0
Margins and returns on capital today
Quality Growth 18
Are margins and returns improving?
Cashflow 46
Earnings quality: real cash, not paper profit
Fin. Strength 21
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 37
Price trend over the last 3–12 months (market factor)
52W Momentum 15
Distance to the 52-week high (market factor)

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

The PMI Group, Inc. does not have significant operations. It intends to involved in mortgage insurance business. The PMI Group, Inc. was founded in 1972 and is based in New York, New York.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2007 – FY2010 · reported fiscal years

The PMI Group reported revenue of $641M in FY2010 versus $962M in FY2007, a compound −12.6%/yr. Reported net income was −$773M in FY2010.

Growth Quality 0/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2010)
$641M
Latest YoY
−27.0%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−12.6%
Revenue −12.6%/yr
FY07 $962M
FY08 $814M
FY09 $878M
FY10 $641M
Net income
FY07 −$915M
FY08 −$929M
FY09 −$659M
FY10 −$773M

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Cite: Fair Value Calculator (2026). "The PMI Group Fair Value". https://www.fairvalue-calculator.com/stock/PMIR

Peer Group

Insurance - Specialty · 32 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 32 · Bottom 25%
Fair Value upside +17% · Below median
Return on assets -61% · Bottom 25%
Net margin (TTM) 0% · Bottom 25%
Revenue growth 100% · Top 25%
Debt / equity 1.36× · Higher than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 56 · sector 66
FUTURE 100 · sector 24
PAST 0 · sector 57
HEALTH 32 · sector 92
DIVIDEND 0 · sector 49

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Insurance - Specialty stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).

Stock Price Fair Value vs Fair Value
Fidelity National Financial, Inc FNF $49.53 $29.08 -41%
AXIS Capital Holdings AXS $114.62 $177.90 +55%
First American Financial Corporation FAF $70.06 $79.33 +13%
Enact Holdings ACT $46.52 $62.79 +35%
MGIC Investment Corporation MTG $29.47 $45.39 +54%
Essent Group ESNT $66.71 $97.33 +46%
Radian Group RDN $39.14 $56.98 +46%
Protector Forsikring ASA PROT kr 485.80 kr 418.04 -14%
Assured Guaranty Ltd AGO $82.49 $147.67 +79%
NMI Holdings NMIH $41.16 $66.55 +62%

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Frequently asked questions

Is The PMI Group (PMIR) overvalued or undervalued?
As of Jul 27, 2026, our model estimates a fair value of $0.2824 versus a price of $0.2400, about +18% (undervalued).
What is the fair value of PMIR?
Our model-based fair value for The PMI Group is $0.2824 (as of Jul 27, 2026), built from audited fundamentals. The current price is $0.2400.
What is the quality score of PMIR?
The PMI Group has a Quality Score of 30/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of The PMI Group (PMIR)?
The PMI Group reported trailing-twelve-month revenue of about $2.0K (latest available figure, as of Jul 27, 2026).
What is the net profit margin of PMIR?
The net profit margin of The PMI Group is about 0.0%, meaning it keeps roughly 0.0% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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