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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$12.22 - $16.70
Previous CloseN/A
Volume3.09K
Average Volume (3M)9.46K
Market Cap
$324.63M
Enterprise Value$264.46M
Total Cash (Recent Filing)$189.21M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)―
Beta0.33
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 Ratio-18.02
Enterprise Value/Market Cap0.81
Enterprise Value/Revenue0.97
Enterprise Value/Gross Profit5.99
Enterprise Value/Ebitda-73.89
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 debt and sizable equity provide a durable capital buffer that helps absorb underwriting volatility and catastrophic losses. Low leverage preserves financial flexibility, supports claims-paying ability, and enables continued policy writing and investment of the float without near-term refinancing risk.
Improved GovernanceAddition of independent directors and stronger committee composition enhances long-term oversight of underwriting, reserves and controls. Better governance can materially improve risk management, audit quality and capital-allocation decisions, raising the odds of durable operational improvements over ensuing quarters.
Insurance Business Model / FloatThe P&C model provides a structural advantage: premiums create an investable float that can generate investment income to supplement underwriting margins. When combined with disciplined underwriting and reinsurance, this dual-income model supports durable earnings over economic cycles and long-term value creation.
Bears Say
Sustained Net LossesConsecutive annual net losses and negative trailing results point to persistent underwriting shortfalls or reserve strengthening. This pattern erodes retained earnings and ROE, limits capacity to rebuild surplus through operations, and increases reliance on corrective pricing, expense cuts, or external capital to restore profitability.
Negative Recent Cash FlowOperating and free cash flow turning negative in the trailing twelve months reduces financial flexibility to pay claims, invest in distribution or systems, and fund reinsurance. Even with low debt, sustained negative cash conversion constrains operational investments and heightens sensitivity to adverse underwriting periods.
Declining Revenue & Weak ROEYear-over-year revenue decline and persistently weak or negative ROE indicate shrinking underwriting scale and poor capital efficiency. Reduced premium base impairs fixed-cost absorption and negotiating leverage, making it harder to restore sustainable margins and generate attractive long-term returns on the existing equity base.
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 $324.63M.
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 12 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
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
4.13% Mutual Funds
14.63% Other Institutional Investors
76.26% Public Companies and
Individual Investors