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NODK Stock Chart & Stats
$15.85
>-$0.01(-0.06%)
At close: 4:00 PM EDT
$15.85
>-$0.01(-0.06%)
Day’s Range― - ―
52-Week Range$12.22 - $16.70
Previous Close$15.84
Volume20.66K
Average Volume (3M)9.46K
Market Cap
$313.01M
Enterprise Value$329.10
Total Cash (Recent Filing)$51.61M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)40.6
Beta0.31
Next Earnings
Nov 11, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.38
Shares Outstanding20,404,722
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 Ratio-18.02
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 Holdings' minimal leverage and roughly $249M of equity provide durable financial flexibility. Low debt reduces insolvency and refinancing risk, supports capacity to underwrite losses, buy reinsurance when needed, and pursue opportunistic investments without jeopardizing solvency.
Return To ProfitabilityA return to trailing-twelve-month profitability signals recovery in underwriting and/or investment results versus recent losses. Sustainable profit generation, even modest, restores retained earnings, strengthens capital cushions, and enables incremental reinvestment in growth or reserves.
Stronger GovernanceBoard expansion and added independent directors on audit and compensation committees improve oversight and risk governance. Stronger governance reduces agency risk, can tighten controls on underwriting and reserving, and supports credibility with regulators and institutional investors over time.
Bears Say
Weak Cash GenerationPersistent negative operating and free cash flow despite net income raises quality-of-earnings concerns. It constrains the firm's ability to fund claim payments, maintain reserves, buy reinsurance, or invest in growth without drawing on cash balances or external capital, lowering resilience.
Top-line Decline & VolatilityMaterial and erratic revenue swings indicate unstable premium volume or significant portfolio adjustments. That undermines pricing leverage, makes expense absorption harder, complicates reserve-setting, and increases execution risk for consistent underwriting profitability over multiple cycles.
Modest Margins And Uneven ProfitsLow operating margins and a history of alternating losses limit the firm's buffer against underwriting losses or catastrophe events. Without sustained margin expansion, earnings are vulnerable to claim volatility and rising costs, constraining long-term return on equity and capital growth.
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 $12.22 and its highest was $16.70 in the past 12 months.
What is NI Holdings, Inc.’s market cap?
NI Holdings, Inc.’s market cap is $313.01M.
When is NI Holdings, Inc.’s upcoming earnings report date?
NI Holdings, Inc.’s upcoming earnings report date is Nov 11, 2026 which is in 88 days.
How were NI Holdings, Inc.’s earnings last quarter?
NI Holdings, Inc. released its earnings results on Aug 07, 2026. The company reported $0.007 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
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 20,404,722 shares outstanding.
What happened to NI Holdings, Inc.’s price movement after its last earnings report?
NI Holdings, Inc. reported an EPS of $0.007 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -1.793%.
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
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
-13.29%
12-Months-Change
Fundamentals
Return on Equity
―
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
4.14% Mutual Funds
9.98% Other Institutional Investors
80.85% Public Companies and
Individual Investors