NMIH Stock Cash Flow Statements

NMI Quarterly Cash Flow Statements Chart

Quarterly

Annual

Operating Cash Flow

Investing Cash Flow

Financing Cash Flow

NMI Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31

cash flows from operating activities
net income	96,151,000	102,559,000	86,167,000	92,810,000	92,079,000	89,050,000	83,413,000	83,955,000	80,284,000	74,458,000	72,940,000	76,838,000	75,444,000	67,680,000	60,524,000	60,192,000	57,523,000	52,891,000	48,268,000	38,179,000	26,848,000	58,271,000	50,195,000	49,763,000	39,100,000	32,899,000	35,520,000	24,811,000	25,241,000	22,355,000	-1,766,000	12,312,000	6,012,000	5,492,000	61,562,000	6,175,000	2,011,000	-3,907,000	-4,821,000	-4,799,000	-10,353,000	-7,820,000	-10,021,000	-10,976,000	-12,854,000	-15,055,000	-13,084,538
adjustments to reconcile net income to net cash from operating activities:
net realized investment loss							0	0
depreciation and amortization	2,838,000	2,888,000	2,966,000	2,980,000	2,994,000	2,996,000	3,025,000	2,874,000	2,844,000	2,798,000	2,894,000	2,932,000	2,951,000	3,093,000	2,982,000	2,906,000	2,669,000	2,675,000	2,552,000	2,464,000	2,473,000	2,441,000	2,638,000	2,322,000	2,236,000	2,103,000	1,986,000	2,015,000	1,952,000	1,858,000	1,792,000	1,752,000	1,617,000	1,502,000	1,360,000	2,005,000
net (accretion)/amortization of (discount)/premium on investment securities	-864,000	-770,000
loss on extinguishment of debt			0	0
amortization of debt discount and debt issuance costs	600,000	592,000	584,000	578,000	542,000	510,000	501,000	494,000	486,000	480,000	472,000	465,000	458,000	451,000	512,000	456,000	450,000	443,000	436,000	333,000	3,009,000	258,000	257,000	255,000	251,000	248,000	249,000	290,000	2,490,000	361,000	361,000	355,000	354,000	403,000	498,000	498,000	500,000	418,000
deferred income taxes	16,818,000	24,543,000	16,693,000	14,144,000	26,053,000	23,808,000	24,829,000	21,999,000	22,896,000	20,869,000	22,746,000	20,886,000	21,707,000	19,054,000	17,561,000	17,257,000	16,131,000	14,561,000	13,328,000	11,172,000	8,126,000	13,880,000	13,091,000	14,151,000	11,802,000	6,038,000	9,229,000	5,834,000	6,855,000	4,009,000	19,762,000	6,891,000
share-based compensation expense	4,957,000	4,507,000	7,141,000	4,439,000	4,114,000	4,117,000	6,006,000	3,740,000	3,676,000	3,492,000	3,480,000	3,882,000	3,867,000	4,196,000	6,557,000	3,716,000	3,383,000	3,022,000	2,885,000	2,956,000	2,722,000	2,552,000	3,176,000	3,399,000	3,475,000	2,981,000	3,776,000	2,959,000	3,017,000	2,805,000	2,551,000	2,714,000	2,308,000	1,911,000	1,867,000	1,831,000	1,746,000	1,410,000	2,279,000	1,810,000	2,080,000	2,005,000	2,306,000	2,173,000	2,368,000	2,333,000	1,539,947
changes in operating assets and liabilities:
premiums receivable	506,000	-1,349,000	-4,350,000	-1,999,000	-1,093,000	1,094,000	-3,075,000	-1,014,000	-2,169,000	-518,000	-2,478,000	-3,494,000	-3,182,000	-168,000	-1,859,000	-2,560,000	-3,733,000	-2,427,000	-1,620,000	-1,751,000	464,000	-787,000	-355,000	-3,505,000	-3,746,000	-2,472,000	-1,332,000	-3,423,000	-3,088,000	-2,985,000	-4,123,000	-3,261,000	-2,229,000	-1,838,000	-2,350,000	-2,510,000	-2,290,000	-1,435,000	-1,157,000	-1,228,000	-1,095,000	-615,000	-646,000	-259,000	-14,000	-110,000
accrued investment income	-735,000	-1,255,000	-752,000	-195,000	-1,579,000	-75,000	-1,813,000	-579,000	-1,691,000	-1,558,000	-802,000	-912,000	-9,000	-521,000	214,000	-966,000	-653,000	-633,000	-96,000	-1,857,000	-717,000	-361,000	54,000	-584,000	252,000	-859,000	187,000	-1,092,000	-24,000	-553,000	386,000	-732,000	34,000	-479,000	194,000	-547,000	76,000	-271,000	-1,194,000	249,000	-196,000	-25,000	-414,000	696,000	-198,000	210,000	-166,921
deferred policy acquisition costs	-135,000	314,000	-524,000	-555,000	-447,000	104,000	-710,000	-1,033,000	-1,241,000	-1,357,000	919,000	285,000	-41,000	-143,000	1,778,000	775,000	157,000	-69,000	969,000	425,000	-985,000	-2,662,000	-3,330,000	-4,035,000	-3,787,000	-1,980,000	-2,403,000	-2,074,000	-2,337,000	-2,101,000	-1,824,000	-1,895,000	-2,041,000	-2,056,000	-1,198,000	-3,783,000	-4,180,000	-3,418,000	-5,349,000	-3,963,000	-2,935,000	-2,298,000	-1,334,000	-600,000	-74,000	-887,000	-85,774
reinsurance recoverable	-1,326,000	881,000	-3,046,000	-1,878,000	544,000	-366,000	-1,558,000	-1,933,000	-544,000	-1,892,000	-1,832,000	-167,000	492,000	240,000	100,000	-694,000	-1,040,000	-1,078,000	-428,000	-2,873,000
other assets	-5,534,000	-555,000	-214,000	-826,000	559,000	-1,352,000	776,000	-1,258,000	1,778,000	-1,612,000	-613,000	-89,000	290,000	648,000	-42,754,000	-309,000	82,000	148,000	-38,723,000	247,000	-171,000	-157,000	-403,000	-8,168,000	-451,000	191,000	377,000	859,000	336,000	-268,000	-2,003,000	-221,000	-737,000	-192,000	-336,000	-121,000	-11,000	16,000	-34,000	-1,000	1,000	453,000	166,000	-619,000	0	7,000	-3,752
unearned premiums	-5,017,000	-6,041,000	-6,375,000	-6,742,000	-7,450,000	-6,511,000	-5,916,000	-6,856,000	-8,997,000	-8,971,000	-7,617,000	-5,029,000	-2,712,000	-844,000	-387,000	-2,524,000	14,741,000	8,590,000	2,809,000	772,000	-11,672,000	-9,734,000	-8,504,000	-6,212,000	-2,967,000	-4,568,000	-4,000,000	-2,765,000	68,000	2,424,000	1,821,000	4,193,000	2,441,000	1,805,000	7,505,000	13,485,000	22,821,000	18,322,000	28,701,000	22,527,000	11,491,000	5,985,000	8,629,000	5,761,000	2,958,000	3,274,000
reserve for insurance claims and claim expenses	11,186,000	-224,000	16,551,000	10,077,000	-1,739,000	3,208,000	7,896,000	5,630,000	2,291,000	8,321,000	4,892,000	-3,518,000	-3,910,000	-1,179,000	-1,053,000	3,369,000	5,132,000	5,536,000	3,337,000	17,327,000	40,424,000	5,727,000	3,247,000	2,073,000	2,895,000	2,726,000	1,903,000	307,000	210,000	1,630,000
reinsurance balances	-14,000	-118,000	-57,000	-287,000	-191,000	-123,000	-427,000	259,000	-495,000	-196,000	-837,000	-552,000	-594,000	79,000	-509,000	-183,000	-92,000	101,000	-74,000	199,000	3,349,000	-691,000	-243,000	-341,000	-290,000	-148,000	-5,000	200,000	-219,000	584,000	714,000	209,000	268,000	141,000	-2,025,000
accounts payable and accrued expenses	8,525,000	-24,797,000	8,808,000	16,878,000	-3,911,000	-5,323,000	-2,489,000	16,680,000	1,676,000	-5,478,000	777,000	14,425,000	-2,273,000	-11,535,000	-1,094,000	15,989,000	443,000	1,570,000	55,000	19,264,000	12,831,000	-14,078,000	5,083,000	5,184,000	7,074,000	-13,453,000	4,336,000	4,461,000	4,823,000	-7,556,000	1,361,000	3,511,000	2,993,000	-10,351,000	4,375,000	6,742,000	3,268,000	-11,085,000	5,036,000	1,875,000	5,547,000	-4,291,000	114,000	1,561,000	1,120,000	-2,678,000	198,730
net cash from operating activities	128,356,000	101,151,000	35,821,000	128,420,000	117,789,000	111,574,000	30,117,000	120,826,000	101,905,000	89,835,000	31,791,000	107,769,000	93,524,000	80,310,000	44,338,000	98,837,000	97,080,000	85,464,000	37,621,000	87,622,000	79,503,000	47,852,000	68,583,000	52,243,000	59,045,000	28,279,000	46,512,000	37,996,000	40,222,000	21,131,000	25,985,000	27,186,000	16,681,000	-2,089,000	19,732,000	24,650,000	26,827,000	735,000	25,292,000	17,538,000	6,175,000	-7,542,000	-1,414,000	-1,565,000	-6,034,000	-11,991,000	-7,030,351
cash flows from investing activities
purchase of short-term investments			-27,549,000	-40,869,000	-86,734,000	-14,811,000	-13,508,000	-1,000	-46,101,000	-106,614,000	-84,110,000	-110,884,000	-118,930,000	-2,000	0	-1,649,000			-369,000	0	0	-41,872,000	-40,240,000	-76,846,000	-65,282,000	-47,994,000	-89,165,000	-84,877,000	-67,016,000	-16,858,000	-19,645,000	-32,987,000	-39,901,000	-38,663,000													-36
purchase of fixed-maturity investments, available-for-sale	-111,845,000	-141,474,000	-125,837,000	-119,139,000	-155,593,000	-81,162,000	-136,093,000	-128,091,000	-90,407,000	-133,971,000	-76,613,000	-45,597,000	-44,863,000	-66,513,000	-123,417,000	-104,353,000	-176,702,000	-109,933,000	-163,392,000	-451,062,000	-393,035,000	-58,427,000	-103,740,000	-60,614,000	-53,593,000	-72,586,000	-46,051,000	-91,193,000	-144,998,000	-74,095,000	-52,439,000	-49,649,000	-56,779,000	-60,212,000	107,488,000	-76,408,000	-103,329,000	-71,319,000	-253,716,000	-2,242,000	-47,297,000	-61,676,000	-56,103,000	-4,249,000	0	-110,000
proceeds from maturities of short-term investments	0	55,100,000	30,372,000	46,000,000	22,400,000	15,300,000
proceeds from maturities and redemptions of fixed-maturity investments, available-for-sale	97,512,000	40,423,000	38,281,000	74,700,000	47,153,000	45,107,000
proceeds from sales of fixed-maturity investments, available-for-sale
additions to software and equipment	-1,648,000	-1,706,000	-1,397,000	-1,482,000	-1,840,000	-2,186,000																		-2,958,000	-2,740,000	-1,751,000		-2,053,000	-1,903,000	-1,370,000		-2,006,000
net cash from investing activities	-94,129,000	-47,657,000	-86,130,000	-40,790,000	-174,614,000	-37,752,000	-82,092,000	1,562,000	-85,719,000	-33,751,000	-107,675,000	-34,355,000	-126,386,000	-21,370,000	-63,660,000			-96,447,000					-77,092,000	-42,294,000	-62,992,000	-11,977,000	-39,722,000	-38,735,000	-125,623,000	-16,570,000				-31,258,000	-16,078,000	-26,572,000	-52,926,000	15,784,000	-244,443,000	50,953,000	-7,617,000	-29,058,000	-33,050,000	104,379,000	-2,191,000	-1,056,000	950,500
cash flows from financing activities
proceeds from issuance of common stock related to employee equity plans	50,000	2,778,000	9,000	1,000	59,000	4,221,000	7,677,000	161,000	54,000	2,657,000	50,000	880,000	21,000	4,491,000	64,000	94,000	157,000	3,886,000	5,464,000	16,000	24,000	3,367,000	8,015,000	1,359,000	1,357,000	11,017,000	300,000	6,384,000	1,391,000	4,782,000	3,998,000	491,000	222,000	2,392,000
taxes paid related to net share settlement of equity awards	-493,000	-10,428,000	-28,000	-13,000	-378,000	-9,800,000	-3,908,000	-152,000	-33,000	-5,263,000	-172,000	-56,000	-524,000	-4,461,000	-339,000	-139,000	-443,000	-4,505,000	-1,496,000	-3,000	-345,000	-7,117,000	-3,931,000	-779,000	-1,061,000	-12,477,000	391,000	-3,633,000	-957,000	-5,523,000	-4,699,000	-240,000	-140,000	-3,503,000	-61,000	-30,000	-56,000	-608,000	-11,000	-14,000	-746,000	-334,000	-11,000	0	-982,000	-90,000	-87
proceeds from senior unsecured notes			0	0
repayments of senior secured notes			0	0
payments of debt issuance costs			0	-55,000															-175,000	-1,717,000
repurchases of common stock	-23,980,000	-25,943,000	-28,683,000	-16,873,000	-26,848,000	-25,206,000	-31,568,000	-19,253,000	-25,992,000	-14,800,000	-5,380,000	-20,824,000	-25,371,000	-5,000,000
net cash from financing activities	-24,423,000	-33,593,000	-28,702,000	-16,940,000	-20,272,000	-30,785,000	-27,799,000	-19,244,000	-25,971,000	-17,406,000	-5,502,000	-20,000,000	-25,646,000	-4,680,000	-1,292,000	184,000			3,793,000	-2,301,000			3,709,000	205,000	-79,000	-1,835,000	317,000	2,472,000	-35,000	78,133,000	-968,000	-124,000	-293,000	-1,856,000	-430,000	-383,000	-376,000	-534,000	143,677,000	-1,000	-677,000	-1,000	0	0	104,000	-90,000	27,911,913
net increase in cash, cash equivalents and restricted cash	9,804,000	19,901,000	-79,011,000	70,690,000	-77,097,000	43,037,000	-79,774,000	103,144,000	-9,785,000	38,678,000	-81,386,000			54,260,000	-20,614,000	29,180,000	-47,437,000	-11,420,000	-67,262,000	-321,251,000	405,629,000	68,732,000	-4,800,000	10,154,000
cash, cash equivalents and restricted cash, beginning of period	0	54,308,000	0	0	0	96,689,000	0	0	0	44,426,000	0	0	0	76,646,000	0	0	0	126,937,000	0	0	0	41,089,000	0	0	0	25,294,000	0
cash, cash equivalents and restricted cash, end of period	9,804,000	74,209,000	-79,011,000	70,690,000	-77,097,000	139,726,000	-79,774,000	103,144,000	-9,785,000	83,104,000	-81,386,000	53,414,000	-58,508,000	130,906,000	-20,614,000	29,180,000	-47,437,000	115,517,000	-67,262,000	-321,251,000	405,629,000	109,821,000	-4,800,000	10,154,000	-4,026,000	39,761,000	7,107,000
supplemental disclosures of cash flow information
interest paid	0	18,700,000					14,750,000	0			14,750,000	0			14,750,000	0			13,275,000	0	1,883,000	2,403,000	2,631,000	2,695,000	2,748,000	2,617,000	2,860,000	2,808,000	3,353,000	3,072,000	3,005,000	3,058,000	3,978,000	3,314,000	0	3,238,000	3,176,000	3,255,000
income taxes paid			10,640,000	9,367,000				20,000																							418,000	217,000
net realized investment gains		-24,000									-6,000	-14,000	-53,000	-408,000	-714,000	-3,000												8,000											121,000	15,000	-354,000	-613,000	-63,000				-13,709
net realized investment (gains) loss
gain from change in fair value of warrant liability											0	0				-1,000	-658,000	205,000							1,685,000	5,479,000							-19,000	196,000	1,713,000	798,000	59,000	-670,000		-331,000	106,000	-1,248,000				-817,000
prepaid federal income taxes
proceeds from issuance of common stock related to warrant exercises
net accretion of discount on investment securities
net amortization of premium on investment securities					348,000	437,000			1,111,000	966,000	857,000	1,531,000	1,626,000	1,707,000	1,713,000	1,731,000	1,653,000	1,636,000	1,552,000	1,487,000	311,000	318,000	309,000	321,000	308,000	314,000	343,000	366,000	371,000	439,000	399,000	428,000	415,000	357,000	305,000	305,000
proceeds from maturity of short-term investments							30,625,000	100,250,000	10,373,000	179,297,000	22,065,000	96,441,000	22,489,000	10,640,000					356,000	0	4,482,000	81,207,000	44,816,000	80,357,000	38,437,000	81,311,000	72,688,000	96,435,000	21,253,000	31,309,000	27,556,000	48,045,000	47,832,000	46,845,000													-1,000
proceeds from redemptions, maturities and sale of fixed-maturity investments, available-for-sale							38,357,000	32,753,000	43,449,000	29,054,000	33,798,000	28,130,000	18,256,000	36,479,000	62,888,000	39,218,000	45,055,000	15,942,000	57,786,000	48,954,000	251,609,000	46,368,000	24,579,000	17,767,000	20,186,000	29,043,000	25,540,000	42,953,000	67,041,000	44,444,000	19,650,000	10,198,000	41,746,000	23,841,000	-79,510,000	52,103,000	54,266,000	89,422,000	11,235,000	54,599,000	41,132,000	33,935,000	24,632,000	110,999,000	415,000	718,000
income taxes (paid) refunded
software and equipment								-3,349,000	-3,033,000	-1,517,000	-2,815,000	-2,445,000	-3,338,000	-1,974,000	-3,131,000	-3,057,000	-3,594,000	-2,456,000	-3,057,000	-4,464,000	-3,145,000	-1,493,000												-3,069,000
net realized investment losses										33,000												72,000		-81,000	113,000	187,000							-188,000	58,000	-65,000	-66,000	-61,000	885,000
proceeds from issuance of common stock related to public offering, net of issuance costs																			0	-597,000							0
proceeds from senior secured notes																			0	0
repayments of term loan																			0	0	-147,375,000	-375,000	-375,000	-375,000	-375,000	-375,000	-375,000	-375,000	-146,250,000	-375,000	-375,000	-375,000	-375,000	-375,000	-375,000	-375,000	-375,000	-375,000
income taxes refunded															0	0	251,000	206,000		0
prepaid expenses												300,000	483,000	-1,947,000	879,000	-314,000	904,000	-1,707,000	1,287,000	-1,163,000	1,334,000	-1,238,000	1,000,000	-1,160,000	1,095,000	-1,407,000	-110,000	-224,000	695,000	-1,451,000	500,000	-579,000	863,000	-944,000	322,000	-503,000	922,000	-1,304,000	355,000	86,000	222,000	-37,000	-957,000	42,000	563,000	-183,000
proceeds from issuance of common stock related to warrants												0	228,000	290,000		229,000	1,000	182,000									1,000
net decrease in cash, cash equivalents and restricted cash																										14,467,000
(gain) income from change in fair value of warrant liability														-93,000					1,379,000	437,000	1,236,000	-5,959,000							-109,000	-420,000													60,000	-1,240,000
payments of debt issuance/modification costs																						-778,000					0
net cash (used in) investing activities																			-108,676,000	-406,572,000
net cash (used in) financing activities																		-437,000				-4,903,000
income taxes (refunded) paid
net realized investment (gains) losses																				4,000											-10,000
net cash from used in investing activities																						25,783,000
income from change in fair value of warrant liability																							2,632,000				-3,538,000
proceeds from senior note																												0
income tax (refunded) paid																								15,000
noncash financing activities
income tax refunded																										209,000
proceeds from term loan
income tax paid																												240,000
proceeds from issuance of common stock related to public offering																													-84,000	79,249,000
payments of debt modification costs																															-75,000	0	0	-370,000
net decrease in cash and cash equivalents																															-1,502,000	663,000									-2,119,000	-36,601,000			-8,121,000	-13,137,000
cash and cash equivalents, beginning of period																													0	19,196,000	0	0	0	47,746,000	0	0	0	57,317,000	0	0	0	103,021,000	0	0	0	55,929,000	-418
cash and cash equivalents, end of period																													-85,436,000	101,890,000	-1,502,000	663,000	7,492,000	12,543,000	3,224,000	-2,305,000	-26,475,000	73,302,000	-75,474,000	68,490,000	-2,119,000	66,420,000	-34,464,000	102,814,000	-8,121,000	42,792,000	21,831,644
net increase in cash and cash equivalents																														82,694,000				-35,203,000	3,224,000			15,985,000	-75,474,000				-34,464,000				21,832,062
net cash from provided by investing activities
proceeds from term loan, net of discount
reserve for insurance claims and claims expenses																																1,075,000	1,287,000	760,000		658,000	338,000	458,000	321,000	177,000	-6,000	104,000	81,000	-26,000
net cash from by investing activities
deferred tax asset																																		1,146,000
taxes paid																																		170,000
current tax payable
purchase of software and equipment																																			-3,022,000	-2,267,000	-3,863,000	-2,319,000	-1,962,000	-1,404,000	-1,452,000	-1,317,000	-1,579,000	-2,371,000	-2,606,000	-1,664,000	-1,296,046
proceeds from issuance of common stock
gain from settlement of warrants																																											0	0	0	-37,000
income tax payments
issuance of common stock																																				22,000	55,000	449,000	0	13,000	69,000	333,000	11,000	0
depreciation and other amortization																																						1,316,000	1,215,000	1,121,000	1,426,000	1,099,000	1,477,000	2,333,000	2,318,000	1,952,000	2,706,133
noncash intraperiod tax allocation																																										-241,000
conversion of class b shares of common stock into class a shares of common stock																																															-500
warrants issued in connection with line of credit
loss on impairment
acquisition of subsidiaries
payments on line of credit
restricted cash
warrants issued in connection with acquisition of subsidiaries
common stock issued in connection with acquisition of subsidiaries
benefit for taxes on current year unrealized gains																																												-277,000
purchase of fixed maturities, available-for-sale																																															-122,847
proceeds from sale of fixed maturities, available-for-sale																																															2,370,429
(payments) proceeds on line of credit
prepaid expense

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