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 - $14.70
Previous CloseN/A
Volume3.09K
Average Volume (3M)9.46K
Market Cap
$281.82M
Enterprise Value$224.11M
Total Cash (Recent Filing)$189.21M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)5.4
Beta0.37
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 Cap0.80
Enterprise Value/Revenue0.82
Enterprise Value/Gross Profit5.08
Enterprise Value/Ebitda-62.62
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 Sheet / Low LeverageNI Holdings' minimal debt and low debt-to-equity profile provide durable financial resilience against underwriting volatility and catastrophe losses. A conservative capital structure preserves capacity to retain risk, purchase reinsurance, and maintain operations through multi-year underwriting stress without forced balance-sheet actions.
Regional Market Focus And Underwriting SpecializationA focused footprint in the Midwest and Great Plains supports durable underwriting expertise and local distribution relationships. This regional specialization can yield persistent competitive advantages in risk selection, claims management, and tailored pricing versus national peers, helping stabilize underwriting outcomes over time.
Multiple Durable Revenue Drivers (underwriting, Investment, Reinsurance)NI Holdings benefits from structurally diversified P&L drivers: premiums, investment income on the float, and assumed reinsurance participation. This mix gives management levers to offset underwriting cyclicality via investment returns and reinsurance structuring, supporting multi-period earnings flexibility.
Bears Say
Multi-year Net Losses And Weak ProfitabilitySustained net losses from 2022–2025 and negative trailing results indicate structural pressure on underwriting margins and expense absorption. Persistent negative profitability erodes return on equity and limits the firm's ability to organically build capital, increasing reliance on pricing changes or capital raises to restore durable profitability.
Volatile And Currently Negative Cash GenerationNegative TTM operating and free cash flows reduce near-term financial flexibility for reinsurance, claims volatility, or strategic investments. This cash-flow volatility undermines the firm's ability to consistently fund underwriting needs and capital deployment from operations, raising reliance on reserves or external capital during stress periods.
Declining Revenue TrendA material revenue decline reduces scale needed to spread fixed acquisition and administrative costs and weakens bargaining leverage with reinsurers and distributors. Over time falling premium volume can exacerbate margin pressure and make it harder to rebuild profitable underwriting momentum without structural product or distribution changes.
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 $14.70 in the past 12 months.
What is NI Holdings, Inc.’s market cap?
NI Holdings, Inc.’s market cap is $281.82M.
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 76 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
Underperform
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5
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7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
-13.29%
12-Months-Change
Fundamentals
Return on Equity
-4.24%
Trailing 12-Months
Asset Growth
-4.21%
Trailing 12-Months
Company Description
NI Holdings, Inc.
NI Holdings, Inc. underwrites property and casualty insurance products in the United States. The company's products include private passenger auto, non-standard automobile, homeowners, farm owners, crop hail and multi-peril crop, and liability insurance policies. The company was founded in 1946 and is headquartered in Fargo, North Dakota. NI Holdings, Inc. is 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
1.10% Insiders
3.99% Mutual Funds
14.63% Other Institutional Investors
76.59% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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