NMFCZHIGH SIGNALFINANCIAL10-K

NMFCZ experienced a dramatic 85.5% collapse in net income despite an 802% surge in operating cash flow, indicating severe earnings quality deterioration.

The massive disconnect between plummeting net income ($113.4M to $16.5M) and surging operating cash flow suggests significant non-cash charges or one-time items are masking underlying business performance. The 35% spike in interest expense amid declining assets signals potential funding stress or deteriorating credit terms for this business development company.

Comparing 2026-02-24 vs 2025-02-26View on EDGAR →
FINANCIAL ANALYSIS

NMFCZ's financial profile deteriorated significantly with net income collapsing 85.5% while operating cash flow paradoxically surged 802%, creating a troubling earnings quality red flag. The company's balance sheet contracted with total assets declining 10.6% to $2.9B and stockholders' equity falling 12.6% to $1.2B, while interest expenses jumped 35% to $124.8M. This combination of shrinking assets, rising funding costs, and collapsing profitability suggests fundamental business stress for this BDC, despite the misleading positive cash flow figure.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
+802.4%
$42.0M$379.0M

Operating cash flow surged 802.4% — exceptional cash generation, highest quality earnings signal.

Net Income
P&L
-85.5%
$113.4M$16.5M

Net income declined 85.5% — review whether driven by operations, interest costs, or non-recurring items.

Interest Expense
P&L
+35%
$92.4M$124.8M

Interest expense surged 35% — significant debt increase or rising rates materially impacting earnings.

Stockholders Equity
Balance Sheet
-12.6%
$1.4B$1.2B

Equity decreased 12.6% — buybacks or losses reducing book value, monitor solvency ratios.

Total Assets
Balance Sheet
-10.6%
$3.2B$2.9B

Total assets contracted 10.6% — asset sales, write-downs, or balance sheet optimization underway.

LANGUAGE CHANGES
NEW — 2026-02-24
PRIOR — 2025-02-26
ADDED
| First lien - Drawn 2025-12-31 0001496099 Associations, Inc.
| Subordinated 2 2025-12-31 0001496099 nmfc:AssociationsIncMember nmfc:FundedDebtSecuritiesMember 2025-12-31 0001496099 GC Waves Holdings, Inc.
| First lien 2 2025-12-31 0001496099 nmfc:GCWavesHoldingsIncMember nmfc:FundedDebtSecuritiesMember 2025-12-31 0001496099 Einstein Parent, Inc.
| First lien 2 2025-12-31 0001496099 nmfc:EinsteinParentInc.Member nmfc:FundedDebtSecuritiesMember 2025-12-31 0001496099 iCIMS, Inc.
| First lien - Drawn 2025-12-31 0001496099 nmfc:ICIMSIncMember nmfc:FundedDebtSecuritiesMember 2025-12-31 0001496099 GS Acquisitionco, Inc.
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REMOVED
(fka Stamps.com Inc.), First lien 1 2024-12-31 0001496099 Auctane Inc.
(fka Transcendia Holdings, Inc.), Preferred shares 1 2024-12-31 0001496099 Eclipse Topco Holdings, Inc.
(fka Transcendia Holdings, Inc.), Preferred shares 2 2024-12-31 0001496099 Eclipse Topco Holdings, Inc.
Inc., First lien - Undrawn 1 2024-12-31 0001496099 Viper Bidco.
First Lien - Drawn 2023-12-31 0001496099 nmfc:AssociationsIncMember nmfc:FundedDebtSecuritiesMember 2023-12-31 0001496099 Kaseya Inc.
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