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STOCKS

NI Holdings, Inc. (NODK)

NASDAQ:NODK

NODK

NI Holdings

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NI Holdings (NODK) Ratios

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NI Holdings Ratios

NODK's free cash flow for Q2 2025 was $0.00. For the 2025 fiscal year, NODK's free cash flow was decreased by $ and operating cash flow was $-0.20. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	13.69	0.86	33.44	440.61	159.31
Quick Ratio	13.69	0.86	38.21	868.67	329.60
Cash Ratio	5.46	0.30	3.37	216.63	97.56
Solvency Ratio	<0.01	-0.01	-0.15	0.03	5.29
Operating Cash Flow Ratio	2.46	0.14	-2.18	89.47	49.24
Short-Term Operating Cash Flow Coverage	99.33	51.84	0.00	0.00	0.00
Net Current Asset Value	$ -234.34M	$ -200.86M	$ 105.87M	$ -160.73M	$ 156.29M
Leverage Ratios
Debt-to-Assets Ratio	<0.01	<0.01	<0.01	0.00	0.00
Debt-to-Equity Ratio	<0.01	<0.01	<0.01	0.00	0.00
Debt-to-Capital Ratio	<0.01	<0.01	<0.01	0.00	0.00
Long-Term Debt-to-Capital Ratio	0.00	0.00	0.00	0.00	0.00
Financial Leverage Ratio	2.55	2.49	2.45	1.90	1.79
Debt Service Coverage Ratio	20.69	-1.92	0.17	0.00	0.00
Interest Coverage Ratio	0.00	0.00	0.22	0.00	0.00
Debt to Market Cap	<0.01	<0.01	0.00	0.00	0.00
Interest Debt Per Share	0.08	0.10	4.17	0.00	0.00
Net Debt to EBITDA	-8.37	0.00	0.00	0.00	0.00
Profitability Margins
Gross Profit Margin	32.61%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	0.90%	-0.35%	-0.36%	-0.36%	-1.94%
EBITDA Margin	2.12%	0.00%	0.00%	0.00%	0.00%
Operating Profit Margin	-18.86%	0.00%	5.80%	3.52%	16.93%
Pretax Profit Margin	0.90%	-1.17%	-21.28%	3.49%	17.24%
Net Profit Margin	0.50%	-1.50%	-16.57%	2.60%	13.18%
Continuous Operations Profit Margin	0.50%	-1.43%	-16.57%	2.57%	13.50%
Net Income Per EBT	55.29%	128.45%	77.90%	74.44%	76.47%
EBT Per EBIT	-4.79%	0.00%	-366.79%	99.26%	101.84%
Return on Assets (ROA)	0.25%	-0.89%	-8.75%	1.29%	6.54%
Return on Equity (ROE)	0.63%	-2.21%	-21.43%	2.45%	11.73%
Return on Capital Employed (ROCE)	-9.60%	0.00%	3.14%	1.75%	8.41%
Return on Invested Capital (ROIC)	-23.17%	0.00%	3.00%	1.37%	6.97%
Return on Tangible Assets	0.25%	-0.90%	-9.01%	1.33%	6.74%
Earnings Yield	0.57%	-1.99%	-19.00%	2.08%	11.30%
Efficiency Ratios
Receivables Turnover	3.63	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	42.09	36.95	32.96	32.83	30.95
Asset Turnover	0.50	0.59	0.53	0.50	0.50
Working Capital Turnover Ratio	2.66	1.72	1.09	2.11	2.18
Cash Conversion Cycle	100.67	0.00	0.00	0.00	0.00
Days of Sales Outstanding	100.67	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	100.67	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	1.22	1.23	-1.42	1.36	2.34
Free Cash Flow Per Share	1.19	1.18	-1.48	1.33	2.32
CapEx Per Share	0.03	0.05	0.05	0.03	0.02
Free Cash Flow to Operating Cash Flow	0.98	0.96	1.04	0.98	0.99
Dividend Paid and CapEx Coverage Ratio	47.19	26.66	-7.30	41.91	7.80
Capital Expenditure Coverage Ratio	47.19	26.66	-26.15	41.91	93.94
Operating Cash Flow Coverage Ratio	15.94	12.59	-16.54	0.00	0.00
Operating Cash Flow to Sales Ratio	0.08	0.07	-0.09	0.09	0.17
Free Cash Flow Yield	9.35%	9.09%	-11.14%	7.03%	14.12%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	175.96	-50.19	-5.26	48.14	8.85
Price-to-Sales (P/S) Ratio	0.86	0.75	0.87	1.25	1.17
Price-to-Book (P/B) Ratio	1.12	1.11	1.13	1.18	1.04
Price-to-Free Cash Flow (P/FCF) Ratio	10.70	11.00	-8.97	14.23	7.08
Price-to-Operating Cash Flow Ratio	10.66	10.58	-9.32	13.89	7.01
Price-to-Earnings Growth (PEG) Ratio	-2.69	0.56	<0.01	-0.61	0.16
Price-to-Fair Value	1.12	1.11	1.13	1.18	1.04
Enterprise Value Multiple	32.34	0.00	0.00	0.00	0.00
Enterprise Value	213.19M	220.23M	237.93M	334.51M	256.43M
EV to EBITDA	32.34	0.00	0.00	0.00	0.00
EV to Sales	0.69	0.60	0.73	1.03	0.84
EV to Free Cash Flow	8.50	8.81	-7.54	11.75	5.08
EV to Operating Cash Flow	8.32	8.48	-7.83	11.47	5.03
Tangible Book Value Per Share	11.56	11.36	11.06	15.39	27.13
Shareholders’ Equity Per Share	11.57	11.70	11.76	16.02	15.81
Tax and Other Ratios
Effective Tax Rate	0.45	-0.23	0.22	0.26	0.22
Revenue Per Share	14.75	17.28	15.21	15.12	14.07
Net Income Per Share	0.07	-0.26	-2.52	0.39	1.86
Tax Burden	0.55	1.28	0.78	0.74	0.76
Interest Burden	1.00	3.33	58.50	-9.70	-8.90
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.00	0.00	0.00
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	16.51	-4.74	0.57	3.50	1.23

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