NMI Holdings, Inc. (NMIH) FY2026 Q2 Statement of Cash Flows
2026-04-01 to 2026-06-30
Statement of Cash Flows
2026-04-01 to 2026-06-30
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Chart details
NMI Holdings, Inc. cash flow reconciliation, Apr 1, 2026 through Jun 30, 2026
Cash flows for Apr 1, 2026 through Jun 30, 2026. Cash basis: Cash, cash equivalents, and restricted cash. Beginning cash: Mar 31, 2026. Ending cash: Jun 30, 2026. Beginning and ending cash are dated balances. Positive cash flows add cash; negative cash flows reduce it.
- Beginning cash on Mar 31, 2026
- 70,679,000 US dollars. Beginning cash: Cash, cash equivalents, and restricted cash
- Operating activities
- 142,630,000 US dollars. Net cash provided.
- Net income
- 105,788,000 US dollars
- Net realized investment losses
- 229,000 US dollars
- Depreciation and amortization
- 2,475,000 US dollars
- Net accretion of discount on investment securities
- negative 591,000 US dollars
- Amortization of debt discount and debt issuance costs
- 632,000 US dollars
- Deferred income taxes
- 21,107,000 US dollars
- Share-based compensation expense
- 5,306,000 US dollars
- Premiums receivable, net
- 83,000 US dollars
- Accrued investment income
- negative 1,148,000 US dollars
- Deferred policy acquisition costs, net
- negative 317,000 US dollars
- Reinsurance recoverable
- negative 731,000 US dollars
- Other assets
- negative 575,000 US dollars
- Unearned premiums
- negative 2,174,000 US dollars
- Reserve for insurance claims and claim expenses
- 3,379,000 US dollars
- Reinsurance balances, net
- 0 US dollars
- Accounts payable and accrued expenses
- 9,167,000 US dollars
- Investing activities
- negative 108,443,000 US dollars. Net cash used.
- Purchase of fixed-maturity investments, available-for-sale
- negative 204,658,000 US dollars
- Proceeds from maturities of short-term investments
- 25,000,000 US dollars
- Proceeds from maturities and redemptions of fixed-maturity investments, available-for-sale
- 62,423,000 US dollars
- Proceeds from sales of fixed-maturity investments, available-for-sale
- 99,721,000 US dollars
- Additions to software and equipment
- negative 2,381,000 US dollars
- Purchase of short-term investments
- negative 88,548,000 US dollars
- Financing activities
- negative 32,744,000 US dollars. Net cash used.
- Proceeds from issuance of common stock related to employee equity plans
- 23,000 US dollars
- Taxes paid related to net share settlement of equity awards
- negative 477,000 US dollars
- Repurchases of common stock
- negative 32,290,000 US dollars
- Operating adjustment reconciliation
- 42,378,000 US dollars. Intermediate calculation joining the operating reconciliation branches. Its gross amount includes any portion of net income routed through this junction. It is not an additional cash source or use.
- financing gross reconciliation
- 32,767,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
- investing gross reconciliation
- 295,587,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
- Exchange-rate effect
- 0 US dollars
- Ending cash on Jun 30, 2026
- 72,122,000 US dollars. Ending cash: Cash, cash equivalents, and restricted cash
- Cash sources and uses
- 213,309,000 US dollars. Opening cash plus net sources, equal to net uses plus ending cash.
- Net cash change
- 1,443,000 US dollars. Ending cash minus beginning cash.
- Cash flow / Net income
- 1.35×. Operating cash flow divided by reconciliation net income for the same period. Black from 0.90× through 1.10×; green above 1.10×; red below 0.90×. Color uses the unrounded ratio.
- Operating cash flow
- 142,630,000 US dollars. Operating cash flow used in the free cash flow calculation.
- Cash purchases of property, plant and equipment
- 2,381,000 US dollars. These cash purchases are already included in investing activities above.
- Free cash flow
- 140,249,000 US dollars. A supplemental measure; finance-lease payments are excluded from this definition.
Chart connections
- Beginning cash plus operating, investing and financing cash flows plus the exchange-rate effect equals ending cash. Negative amounts reduce cash.
- Financing contributions meet at a reconciliation junction before connecting to the net cash total.
- Investing contributions meet at a reconciliation junction before connecting to the net cash total.
- Operating reconciliation adjustments are not all independent cash receipts.
- Net income enters operating cash directly in the reconciliation. The adjustment junction contributes the remaining $36.84M after reconciling the other positive and negative adjustments. These connections depict an accounting reconciliation, not traced cash receipts.
- Each activity has one net cash bar connected to the shared cash pool. Positive activity totals enter the pool; negative activity totals leave the pool to fund that activity's net payments. The central pool does not assign a particular funding source to a particular payment.
- The intermediate calculation bars include both sides of the displayed activity breakdowns; they are not additional cash flows.
- Operating cash flow minus cash purchases of property, plant and equipment equals free cash flow: 142,630,000 US dollars minus 2,381,000 US dollars equals 140,249,000 US dollars.
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