NODK

NI Holdings, Inc.

Price Chart

Latest Quote

$15.84

+0.11 (+0.67%)

Current Price

Previous Close	$15.73
Open	$15.82
Day High	$16.05
Day Low	$15.46
Volume	18,556

Fetched: 2026-06-24T00:10:28

Stock Information

Shares Outstanding	20.48M
Total Debt	$1.27M
Cash Equivalents	$57.72M
Revenue	$273.22M
Net Income	$-4.37M
Sector	Financial Services
Industry	Insurance - Property & Casualty
Market Cap	$324.43M
EPS (TTM)	$-0.21
Exchange	NCM

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📊 Comprehensive Analysis

Company Data

Enterprise Value	$265.83M
Sales	$273.22M
Income	$-4.37M
Book/sh	$12.19
Cash/sh	$2.82
Employees	166

Financial Ratios

Quick Ratio	0.50
Current Ratio	0.55
Debt/Eq	0.51
EPS Growth TTM	93.60%

Returns & Margins

ROA	-0.54%
ROE	-1.73%
Gross Margin	-1.60%
Operating Margin	26.36%
Profit Margin	-1.60%

Ownership

Insider Ownership	68.22%
Institutional Ownership	24.69%
Insider & Institutional transactions data not available

Valuation Ratios

P/S	1.19
P/B	1.30

Analyst Data

Recommendation

none

Technical Indicators

SMA20	$14.97
SMA50	$13.94
SMA200	$13.52
RSI	82.97
ATR	0.4174

Shares Float	4.80M
Short Float	0.72%
Short Ratio	3.24
Volatility	0.38
Rel Volume	0.77

Performance History

Week	+1.67%
Month	+13.22%
Quarter	+20.27%
6 Months	+7.83%
YTD	+19.37%
Year	+27.43%
3 Years	+8.49%
5 Years	-20.88%
10 Years	+7.39%

Stock Score: ⭐ Premium

Based on debt, profitability, growth, and cash flow metrics

⭐ Premium Feature

Recent Price History

Date	Close	Volume
2026-06-23	$15.84	18,556
2026-06-22	$15.73	15,400
2026-06-18	$15.91	64,100
2026-06-17	$15.73	64,500
2026-06-16	$15.57	28,300
2026-06-15	$15.58	34,000
2026-06-12	$15.56	11,900
2026-06-11	$15.46	11,400
2026-06-10	$15.50	17,500
2026-06-09	$15.21	13,500
2026-06-08	$15.04	6,600
2026-06-05	$14.87	20,900
2026-06-04	$14.58	7,300
2026-06-03	$14.36	16,200
2026-06-02	$14.48	35,600
2026-06-01	$13.97	55,700
2026-05-29	$13.98	18,500
2026-05-28	$14.06	13,000
2026-05-27	$14.04	14,900
2026-05-26	$13.97	13,400

About NI Holdings, Inc.

NI Holdings, Inc., together with its subsidiaries, underwrites property and casualty insurance products in the United States. Its products include private passenger auto, homeowners, farm owners, commercial multi-peril, crop hail, excess liability, dwelling, and federal multi-peril crop insurance policies, as well as non-standard automobile 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.

📰 Latest News

The past five years for NI Holdings (NASDAQ:NODK) investors has not been profitable

Simply Wall St. • 2025-10-31T10:10:02Z

Can Mixed Fundamentals Have A Negative Impact on NI Holdings, Inc. (NASDAQ:NODK) Current Share Price Momentum?

Simply Wall St. • 2025-09-20T13:12:30Z

NI Holdings Second Quarter 2025 Earnings: US$0.57 loss per share (vs US$0.36 loss in 2Q 2024)

Simply Wall St. • 2025-08-10T12:14:33Z

Period:

Income Statement (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Revenue
Total Revenue	$285,050,000	$325,204,000	$304,020,000	$267,782,000
Operating Revenue	$285,050,000	$325,204,000	$304,020,000	$267,782,000
Expenses
Total Expenses	$297,379,000	$315,059,000	$283,473,000	$320,658,000
Loss Adjustment Expense	$200,788,000	$207,465,000	$186,516,000	$241,750,000
Income & Earnings
Net Income From Continuing Operation Net Minority Interest	$-10,413,000	$6,600,000	$19,581,000	$-38,006,000
Normalized Income	$-10,413,000	$8,302,944	$19,581,000	$-38,006,000
Net Income From Continuing And Discontinued Operation	$-10,413,000	$-6,060,000	$-5,476,000	$-53,096,000
Net Income Common Stockholders	$-10,413,000	$-6,060,000	$-5,476,000	$-53,096,000
Net Income	$-10,413,000	$-6,060,000	$-5,476,000	$-53,096,000
Net Income Including Noncontrolling Interests	$-10,413,000	$-6,060,000	$-5,226,000	$-53,775,000
Net Income Discontinuous Operations	$0	$-12,660,000	$-25,057,000	$-15,090,000
Net Income Continuous Operations	$-10,413,000	$6,600,000	$19,831,000	$-38,685,000
Pretax Income	$-12,329,000	$10,145,000	$20,547,000	$-52,876,000
Special Income Charges	$0	$-2,628,000	$0	$0
Per Share
Diluted EPS	$-0.50	$-0.29	$-0.26	$-2.49
Basic EPS	$-0.50	$-0.29	$-0.26	$-2.49
Other
Tax Effect Of Unusual Items	$0	$-925,056	$0	$0
Tax Rate For Calcs	$0	$0	$0	$0
Total Unusual Items	$0	$-2,628,000	$0	$0
Total Unusual Items Excluding Goodwill	$0	$-2,628,000	$0	$0
Reconciled Depreciation	$794,000	$681,000	$725,000	$654,000
Diluted Average Shares	$20,991,331	$21,089,171	$21,235,605	$21,333,389
Basic Average Shares	$20,991,331	$20,968,545	$21,159,073	$21,333,389
Diluted NI Availto Com Stockholders	$-10,413,000	$-6,060,000	$-5,476,000	$-53,096,000
Minority Interests	$0	$0	$-250,000	$679,000
Tax Provision	$-1,916,000	$3,545,000	$716,000	$-14,191,000
Impairment Of Capital Assets	$0	$2,628,000	$0	$0
Net Policyholder Benefits And Claims	$200,788,000	$207,465,000	$186,516,000	$241,750,000
Policyholder Benefits Gross	$248,037,000	$221,775,000	$196,278,000	$257,556,000
Policyholder Benefits Ceded	$47,249,000	$14,310,000	$9,762,000	$15,806,000

Fetched: 2026-06-23

Balance Sheet (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Assets
Net Tangible Assets	$240,337,000	$244,531,000	$244,913,000	$233,727,000
Total Assets	$506,002,000	$526,545,000	$654,886,000	$614,232,000
Goodwill And Other Intangible Assets	$0	$100,000	$2,728,000	$17,250,000
Receivables	$80,627,000	$86,454,000	$78,615,000	$130,821,000
Taxes Receivable	$11,490,000	$7,017,000	$0	$13,964,000
Accounts Receivable	$69,137,000	$79,437,000	$78,615,000	$116,857,000
Cash Cash Equivalents And Short Term Investments	$182,634,000	$191,967,000	$330,436,000	$175,045,000
Cash And Cash Equivalents	$51,715,000	$50,930,000	$41,037,000	$47,002,000
Other Intangible Assets	-	$100,000	$7,411,000	$7,866,000
Liabilities
Total Liabilities Net Minority Interest	$265,665,000	$281,914,000	$404,487,000	$361,025,000
Payables And Accrued Expenses	$878,000	$0	$147,000	$0
Payables	$878,000	-	$147,000	-
Accounts Payable	$878,000	$0	-	$0
Total Tax Payable	-	$0	$147,000	$0
Income Tax Payable	-	$0	$147,000	$0
Non Current Deferred Liabilities	-	-	-	-
Non Current Deferred Taxes Liabilities	-	-	-	-
Other Payable	-	-	-	-
Equity
Common Stock Equity	$240,337,000	$244,631,000	$247,641,000	$250,977,000
Total Equity Gross Minority Interest	$240,337,000	$244,631,000	$250,399,000	$253,207,000
Stockholders Equity	$240,337,000	$244,631,000	$247,641,000	$250,977,000
Other Equity Interest	$-212,000	$-455,000	$-698,000	$-941,000
Gains Losses Not Affecting Retained Earnings	$-10,595,000	$-18,231,000	$-21,384,000	$-29,286,000
Other Equity Adjustments	$-10,595,000	$-18,231,000	$-21,384,000	$-29,286,000
Retained Earnings	$191,074,000	$201,584,000	$208,376,000	$214,121,000
Other
Treasury Shares Number	$2,424,691	$2,281,252	$2,400,092	$1,829,635
Ordinary Shares Number	$20,554,144	$20,673,268	$20,599,908	$21,076,255
Share Issued	$22,978,835	$22,954,520	$23,000,000	$22,905,890
Tangible Book Value	$240,337,000	$244,531,000	$244,913,000	$233,727,000
Invested Capital	$240,337,000	$244,631,000	$247,641,000	$250,977,000
Total Capitalization	$240,337,000	$244,631,000	$247,641,000	$250,977,000
Minority Interest	$0	$0	$2,758,000	$2,230,000
Treasury Stock	$36,092,000	$34,293,000	$35,177,000	$28,818,000
Additional Paid In Capital	$95,932,000	$95,796,000	$96,294,000	$95,671,000
Capital Stock	$230,000	$230,000	$230,000	$230,000
Common Stock	$230,000	$230,000	$230,000	$230,000
Investments And Advances	$325,344,000	$332,352,000	$311,382,000	$355,717,000
Goodwill	$0	$0	$2,628,000	$9,384,000
Net PPE	$6,759,000	$7,547,000	$7,452,000	$9,843,000
Other Short Term Investments	$130,919,000	$141,037,000	$289,399,000	$128,043,000
Current Accrued Expenses	-	-	-	$22,053,000
Preferred Stock	-	-	-	-

Fetched: 2026-06-23

Cash Flow Statement (Annual)

Metric	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Free Cash Flow
Free Cash Flow	$-15,489,000	$37,515,000	$50,367,000	$-16,172,000
Operating Activities
Operating Cash Flow	$-15,272,000	$38,506,000	$51,028,000	$-15,294,000
Cash From Discontinued Operating Activities	$0	$27,972,000	$12,608,000	$25,012,000
Cash Flow From Continuing Operating Activities	$-15,272,000	$10,534,000	$38,420,000	$-40,306,000
Operating Gains Losses	$-1,370,000	$-615,000	$-12,148,000	$-2,148,000
Investing Activities
Capital Expenditure	$-217,000	$-991,000	$-661,000	$-878,000
Investing Cash Flow	$18,839,000	$-4,541,000	$-8,813,000	$25,048,000
Cash From Discontinued Investing Activities	$0	$2,878,000	$-13,148,000	$-14,412,000
Cash Flow From Continuing Investing Activities	$18,839,000	$-7,419,000	$4,335,000	$39,460,000
Net Other Investing Changes	$191,000	$194,000	-	-
Financing Activities
Repurchase Of Capital Stock	$-2,517,000	$0	$-7,278,000	$-4,180,000
Financing Cash Flow	$-2,782,000	$-3,643,000	$-7,466,000	$-18,281,000
Cash From Discontinued Financing Activities	$0	$7,058,000	$28,114,000	$-4,085,000
Cash Flow From Continuing Financing Activities	$-2,782,000	$-10,701,000	$-35,580,000	$-14,196,000
Net Common Stock Issuance	$-2,517,000	$0	$-7,278,000	$-4,180,000
Net Other Financing Charges	-	$-10,444,000	$-28,114,000	$-9,248,000
Other
Repayment Of Debt	$-108,000	$-99,000	$-16,000	$0
Income Tax Paid Supplemental Data	$3,921,000	$2,853,000	-	$2,175,000
End Cash Position	$51,715,000	$50,930,000	$41,037,000	$33,862,000
Beginning Cash Position	$50,930,000	$41,037,000	$33,862,000	$48,904,000
Changes In Cash	$785,000	$9,893,000	$7,175,000	$-15,042,000
Cash Flow From Discontinued Operation	$0	$-20,429,000	$-27,574,000	$-6,515,000
Proceeds From Stock Option Exercised	$-157,000	$-158,000	$-172,000	$-768,000
Common Stock Payments	$-2,517,000	$0	$-7,278,000	$-4,180,000
Net Issuance Payments Of Debt	$-108,000	$-99,000	$-16,000	$0
Net Long Term Debt Issuance	$-108,000	$-99,000	$-16,000	-
Long Term Debt Payments	$-108,000	$-99,000	$-16,000	$0
Net Investment Purchase And Sale	$18,491,000	$-19,174,000	$4,849,000	$39,692,000
Sale Of Investment	$53,331,000	$51,220,000	$72,908,000	$100,291,000
Purchase Of Investment	$-34,840,000	$-70,394,000	$-68,059,000	$-60,599,000
Net Business Purchase And Sale	$0	$12,272,000	$0	$0
Sale Of Business	$0	$12,272,000	$0	$0
Net PPE Purchase And Sale	$157,000	$-711,000	$-514,000	$-232,000
Sale Of PPE	$374,000	$280,000	$147,000	$646,000
Purchase Of PPE	$-217,000	$-991,000	$-661,000	$-878,000
Change In Working Capital	$-11,170,000	$10,449,000	$23,220,000	$-8,408,000
Change In Other Working Capital	$-5,231,000	$-5,132,000	$11,739,000	$-32,763,000
Change In Other Current Assets	$-1,023,000	$-231,000	$-1,506,000	$938,000
Change In Payables And Accrued Expense	$2,414,000	$469,000	$-215,000	$7,336,000
Change In Accrued Expense	$2,414,000	$469,000	$-215,000	$7,336,000
Change In Receivables	$11,936,000	$-2,854,000	$-6,682,000	$-5,561,000
Changes In Account Receivables	$11,936,000	$-2,854,000	$-6,682,000	$-5,561,000
Stock Based Compensation	$1,157,000	$603,000	$1,688,000	$340,000
Unrealized Gain Loss On Investment Securities	$-390,000	$-1,662,000	$10,167,000	$13,959,000
Asset Impairment Charge	$0	$2,628,000	$0	$0
Amortization Of Securities	$7,484,000	$1,097,000	$-3,187,000	$-2,193,000
Deferred Tax	$-1,364,000	$1,901,000	$-1,876,000	$-3,825,000
Deferred Income Tax	$-1,364,000	$1,901,000	$-1,876,000	$-3,825,000
Depreciation And Amortization	$794,000	$681,000	$725,000	$654,000
Amortization Cash Flow	$100,000	$0	$33,000	$50,000
Amortization Of Intangibles	$100,000	$0	$33,000	$50,000
Depreciation	$694,000	$681,000	$692,000	$604,000
Gain Loss On Investment Securities	$-1,306,000	$-551,000	$-12,096,000	$-1,984,000
Gain Loss On Sale Of PPE	$-64,000	$-64,000	$-52,000	$-164,000
Net Income From Continuing Operations	$-10,413,000	$-4,548,000	$19,831,000	$-38,685,000
Purchase Of Business	-	-	-	$0
Other Non Cash Items	-	-	-	$-71,624,000

Fetched: 2026-06-23