NMI Holdings Inc (NMIH) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.115 Good day and welcome to the NMI Holdings, Inc. 00:00:03.115 -- 00:00:06.799 fourth quarter 2025 earnings conference call. 00:00:06.799 -- 00:00:09.262 All participants will be in a listen-only mode. 00:00:09.262 -- 00:00:13.087 Should you need assistance, please signal a conference specialist by pressing the star 00:00:13.087 -- 00:00:15.290 key followed by zero. 00:00:15.290 -- 00:00:19.435 After today's presentation, there will be an opportunity to ask questions. 00:00:19.435 -- 00:00:23.875 To ask a question, you may press star, then one on a touch-tone phone. 00:00:23.875 -- 00:00:27.260 To withdraw your question, please press star, then two. 00:00:27.260 -- 00:00:30.404 Please note, this event is being recorded. 00:00:30.404 -- 00:00:34.230 I would now like to turn the conference over to John Swenson, Vice President of Investor 00:00:34.230 -- 00:00:38.175 Relations and Treasury. Please go ahead, sir. 00:00:38.175 -- 00:00:43.262 Thank you. Good afternoon, and welcome to the 2025 Fourth Quarter Conference Call 00:00:43.262 -- 00:00:49.491 for National MI. I'm John Swenson, Vice President of Investor Relations and Treasury. 00:00:49.491 -- 00:00:54.937 Joining us on the call today are Brad Schuster, Executive Chairman, Adam Pulitzer, President 00:00:54.937 -- 00:01:01.124 and Chief Executive Officer, and Aurora Swiffenbank, our Chief Financial Officer. 00:01:01.727 -- 00:01:05.473 Financial results for the quarter were released after the close today. 00:01:05.473 -- 00:01:10.300 The press release may be accessed on NMMI's website located at nationalmi.com under the 00:01:10.300 -- 00:01:12.583 Investors tab. 00:01:12.583 -- 00:01:16.469 During the course of this call, we may make comments about our expectations for the future. ...