NI Holdings, Inc. (NODK)
NASDAQ:NODK
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NODK Stock Chart & Stats
$13.27
-$0.03(-0.23%)
At close: 4:00 PM EST
$13.27
-$0.03(-0.23%)
Day’s Range― - ―
52-Week Range$12.08 - $15.74
Previous CloseN/A
Volume3.09K
Average Volume (3M)9.46K
Market Cap
$317.46M
Enterprise Value$228.61M
Total Cash (Recent Filing)$189.21M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)―
Beta0.32
Next Earnings
Aug 06, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-0.20
Shares Outstanding20,481,438
10 Day Avg. Volume11,041
30 Day Avg. Volume9,461
Financial Highlights & Ratios
PEG Ratio-0.37
Price to Book (P/B)1.16
Price to Sales (P/S)0.98
P/FCF Ratio156.23
Enterprise Value/Market Cap0.72
Enterprise Value/Revenue0.84
Enterprise Value/Gross Profit5.18
Enterprise Value/Ebitda-63.88
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetNI’s minimal debt and very low leverage provide durable capital resilience, allowing the insurer to absorb underwriting volatility and fund claims without urgent capital raises. This financial cushion supports multi-month underwriting flexibility, reinsurance buying power, and measured capital allocation through cycles.
Governance StrengtheningBoard expansion with independent directors and shareholder approval of governance and pay improves oversight and accountability. Stronger audit and compensation committee composition enhances long-term risk management, financial reporting scrutiny and disciplined executive incentives, supporting sustainable underwriting and capital decisions.
Proven Cash Generation In Favorable PeriodsHistorical cash generation in 2023–2024 shows the business model can convert premium float and investment income into meaningful cash when underwriting normalizes. That capability is a structural asset: it funds reserves, reinsurance and strategic initiatives in recovering cycles, enabling eventual restoration of financial flexibility.
Bears Say
Sustained Profitability WeaknessConsecutive net losses and negative TTM results point to persistent underwriting margins or expense issues. Prolonged unprofitability erodes surplus and ROE, constrains retained earnings, and forces strategic trade-offs (rate increases, tighter underwriting, or more reinsurance) that materially affect medium-term growth and capital returns.
Negative Recent Cash FlowTTM negative operating and free cash flow materially limit the firm's ability to fund claims, invest, or return capital without tapping reserves or external financing. If this persists, it reduces runway for underwriting actions, may necessitate capital raises, and weakens resilience to multi-month adverse loss trends.
Declining Revenue And EPSA sharp revenue decline and large EPS contraction reflect structural top-line pressure—lower premium volumes, pricing weakness, or market share loss. Reduced scale makes fixed-cost absorption harder and magnifies underwriting volatility, creating a persistent headwind to margin recovery and long-term profitability.
NI Holdings News
NODK FAQ
What was NI Holdings, Inc.’s price range in the past 12 months?
NI Holdings, Inc. lowest stock price was $12.08 and its highest was $15.74 in the past 12 months.
What is NI Holdings, Inc.’s market cap?
NI Holdings, Inc.’s market cap is $317.46M.
When is NI Holdings, Inc.’s upcoming earnings report date?
NI Holdings, Inc.’s upcoming earnings report date is Aug 06, 2026 which is in 55 days.
How were NI Holdings, Inc.’s earnings last quarter?
NI Holdings, Inc. released its earnings results on May 08, 2026. The company reported $0.598 earnings per share for the quarter, beating the consensus estimate of N/A by $0.598.
Is NI Holdings, Inc. overvalued?
According to Wall Street analysts NI Holdings, Inc.’s price is currently Overvalued.
Does NI Holdings, Inc. pay dividends?
NI Holdings, Inc. does not currently pay dividends.
What is NI Holdings, Inc.’s EPS estimate?
NI Holdings, Inc.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does NI Holdings, Inc. have?
NI Holdings, Inc. has 20,481,438 shares outstanding.
What happened to NI Holdings, Inc.’s price movement after its last earnings report?
NI Holdings, Inc. reported an EPS of $0.598 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 4.372%.
Which hedge fund is a major shareholder of NI Holdings, Inc.?
Currently, no hedge funds are holding shares in NODK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
NI Holdings Stock Smart Score
Neutral
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5
6
7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
-13.29%
12-Months-Change
Fundamentals
Return on Equity
-1.79%
Trailing 12-Months
Asset Growth
-6.69%
Trailing 12-Months
Company Description
NI Holdings, Inc.
NI Holdings, Inc. provides a comprehensive range of property and casualty insurance policies across the United States. Their product portfolio includes coverage for personal and specialized automobile risks, residential properties, agricultural holdings, various types of crop damage (including hail and multi-peril), and general liability. Established in 1946, the company's primary operations are situated in Fargo, North Dakota, as a subsidiary of Nodak Mutual Group, Inc.
Technical Analysis
Donegal Group
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Global Indemnity
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Kingstone Companies
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American Coastal Insurance
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Ownership Overview
1.12% Insiders
4.09% Mutual Funds
14.63% Other Institutional Investors
76.47% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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