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NI Holdings, Inc. NODK R2K

Financial Services · Insurance - Property & Casualty · United States
https://www.niholdingsinc.com
Company Profile ↓
$15.77
+19.29% 1Y
Mkt Cap$322.99M
P/E-75.10
P/B1.28
52W High$16.33
52W Low$12.24
Book Value$12.19
EPS (TTM)$-0.21

Company Overview

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.

Why Investors Should Care

Healthy Margins

Operating margin of 26.4% supports profitability.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $285.05M (-12.3% YoY); net profit $-10.41M.
  • Trailing 12 Months Year-on-year growth — revenue -16.6%, earnings +94.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 6.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:6.83%
1 Year:-16.60%

Compounded Profit Growth

5 Years:-
1 Year:94.90%

Stock Price Performance

1 Year:+19.29%
6 Months:+18.57%
3 Months:+22.15%
1 Month:+2.01%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 86% of range
$12.24 $16.33
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)56.27 · Neutral
Price Performance
1M+2.01%
3M+22.15%
6M+18.57%
1Y+19.29%

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
-75.10
Industry PE
13.30
Forward P/E
-
PEG Ratio
-
Book Value
$12.19
Price to Book
1.28
P/S
1.17
EV/EBITDA
-73.27
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
6.83%
Profit 5Y
-
Revenue (YoY)
-16.60%
Earnings (YoY)
94.90%

Profitability & Returns

ROCE
-
ROE
-1.73%
ROA
-0.54%
Profit Margin
-1.60%
Op Margin
26.36%
Gross Margin
-1.60%
EPS (Latest Qtr)
$0.60
EPS (TTM)
$-0.21

Balance Sheet & Liquidity

Debt/Equity
0.51
Quick Ratio
0.50
Current Ratio
0.55
Debt
$1.27M
Total Assets
$492.11M
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
68.22%
Chg in Prom Hold
-
FII / Inst Holding
24.69%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$322.99M
Total Revenue (TTM)
$273.22M
EBITDA
$-3.58M
Free Cash Flow
$27.86M
Operating Cash Flow
$-27.03M
Shares Outstanding
20.48M
Gross Margin
-1.60%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 NODK NI Holdings, Inc. R2K 15.77 -75.10 $322.99M 0.00% - -1.73% 6.83% -
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue 30.00M32.58M51.13M32.62M31.49M38.81M59.13M34.32M34.77M47.62M56.57M50.19M38.33M52.92M64.10M57.02M60.57M68.65M70.25M71.31M46.19M95.67M80.85M83.65M70.80M83.21M84.61M66.14M75.79M89.17M81.56M81.08M78.03M74.50M87.81M88.98M71.43M76.06M76.57M59.60M
Gross Profit --------15.09M9.42M2.93M-17.26M9.96M16.68M-24.27M16.92M5.56M-28.35M29.64M19.51M-26.25M13.36M16.43M29.46M-24.10M10.62M18.80M18.76M23.26M29.74M15.81M18.17M28.97M6.40M15.71M31.76M
Net Income ----6.21M-1.76M-997.00K-4.69M129.00K-2.73M-6.12M226.00K9.84M14.89M13.77M2.48M-6.98M17.13M-3.59M18.73M3.66M21.58M9.67M-2.64M-4.74M1.91M-45.91M-9.98M-4.21M-8.12M231.00K6.42M-19.62M-2.71M6.46M-12.05M-1.67M12.51M
Diluted EPS --------0.210.01-0.12-0.270.010.440.670.620.11-0.310.77-0.160.850.171.000.45-0.12-0.220.09-2.15-0.47-0.20-0.380.010.30-0.94-0.130.31-0.57-0.080.60

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 137.77M145.72M163.75M189.14M212.37M270.78M306.36M323.97M267.78M304.02M325.20M285.05M
Gross Profit -55.60M34.25M56.75M76.63M76.73M115.19M83.21M29.99M105.60M102.64M69.87M
Net Income 13.77M17.46M4.55M15.99M31.08M26.40M40.39M8.42M-53.10M-5.48M-6.06M-10.41M
Diluted EPS ---0.711.391.191.840.39-2.49-0.26-0.29-0.50

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Mar 2017Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --258.62M278.70M-376.99M458.49M508.16M617.60M651.78M614.23M654.89M526.54M506.00M
Total Equity 118.92M135.69M149.92M153.42M-255.57M275.75M309.80M348.87M347.41M253.21M250.40M244.63M240.34M
Cash & Equivalents 14.37M21.73M14.52M18.32M-27.59M68.95M62.13M101.08M70.62M47.00M41.04M50.93M51.72M
Long Term Debt ----2.40M------2.40M2.40M2.40M
Total Liabilities --108.71M125.28M-121.42M182.74M198.36M268.73M304.37M361.02M404.49M281.91M265.67M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 10.41M17.18M7.31M18.43M20.95M25.66M51.01M29.17M-15.29M51.03M38.51M-15.27M
Investing Cash Flow -3.05M-24.39M-3.51M-91.86M23.40M-30.46M200.00K-48.15M25.05M-8.81M-4.54M18.84M
Financing Cash Flow ---82.71M-3.00M-2.02M-12.27M-11.47M-18.28M-7.47M-3.64M-2.78M
Capital Expenditure -620.00K-531.00K-548.00K-1.33M-1.55M-1.29M-616.00K-739.00K-878.00K-661.00K-991.00K-217.00K
Free Cash Flow 9.79M16.65M6.76M17.09M19.40M24.38M50.39M28.43M-16.17M50.37M37.52M-15.49M
Share Buybacks ------12.23M4.32M4.18M---
Dividends Paid ----------8.27M6.73M

Ratios (Annual)

Figures in %.

Metric Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -38.2%20.9%30.0%36.1%28.3%37.6%25.7%11.2%34.7%31.6%24.5%
Operating Margin % ------------
Net Margin % 10.0%12.0%2.8%8.5%14.6%9.8%13.2%2.6%-19.8%-1.8%-1.9%-3.7%
ROE % 10.2%11.6%3.0%6.3%11.3%8.5%11.6%2.4%-21.0%-2.2%-2.5%-4.3%
ROCE % ------------

Shareholding Pattern

Insiders
68.22%
Institutions
24.69%
Public Float
77.68%

Top Institutional Holders

#Holder% HeldSharesValue
1 M3F, Inc. 8.07% 1.65M $26.00M
2 Newtyn Management, Llc 3.27% 670.00K $10.55M
3 Blackrock Inc. 2.58% 528.80K $8.32M
4 Dimensional Fund Advisors LP 1.67% 341.12K $5.37M
5 Vanguard Capital Management LLC 1.44% 294.80K $4.64M
6 TCW Group, Inc. 1.03% 210.12K $3.31M
7 Geode Capital Management, LLC 0.75% 153.70K $2.42M
8 State Street Corporation 0.68% 138.75K $2.18M
9 Minerva Advisors LLC 0.63% 129.90K $2.04M
10 Orchard Capital Management, LLC 0.58% 119.63K $1.88M

Analyst View

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Latest News

Recent headlines for NODK

Google News hu, 09 Jul 2026

(NODK) Risk Channels and Responsive Allocation - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMiwAFBVV95cUxQakU1SXgzVmM3N09RUHlJNmV3dGVNOHotc2NydDhqTWtheGN2Z2NwTzgyNjIxQVdoYzRMZ3Z4Y2hEVktYTGNpY0VyNlhPTnhrZ3V1NWFIZTRQOUlTUlJwbmJJTTBWVkJNaGtRR192emIyV2VJNndCYVRJWURuYVhUcFp5S1plNnZjbDJHUn…

Google News Fri, 03 Jul 2026

Enterprise value to revenue forward of NI Holdings, Inc. – NASDAQ:NODK - TradingView

<a href="https://news.google.com/rss/articles/CBMirAFBVV95cUxNUGkxaUF2eDNrVFQwdzJMblV1R2d5bWtDOTdrSWhNSC1JdlV1aFZwcjRnOWxZT0N2a2pod05QZng1X3Y3RW1aSFF1NjZGelEzUExKWEwtOEJUT3lWTFQxbHdPTjZSQWo2Qm9MTjJkZHZwRkdnQ2Z0UFRjVEVNdy1CUTAzd21FWFZ0THlPX0…

Google News Sun, 10 May 2026

NI Holdings (NODK) Combined Ratio Near 110% Reinforces Bearish Underwriting Narratives - simplywall.st

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Google News Fri, 10 Oct 2025

NI Holdings, Inc. Appoints Cindy Launer as New CEO Following Seth Daggett's Departure - Quiver Quantitative

<a href="https://news.google.com/rss/articles/CBMivwFBVV95cUxNV05LZ3Vibk9MVlJOSWpGME1yQ0JKcmtRWmlRRUZ5dDFFVkROT2dzVG9hNVFsVmhqZHViZ01IWEZvR0hKNmFjUEZlWmJZRVU2eFYzWi15ekE1TVJCaWlDc29WMkFnTmdYWWZhSE9SM0E4V0JNVW00am02S2xWWVpIWU1keWNEZ1N6UlgwME…

Google News ue, 16 Jun 2026

Liquidity Mapping Around (NODK) Price Events - Stock Traders Daily

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Google News Sat, 13 Jun 2026

NODK Q4 2022 Earnings: Positive EPS Despite Limited Disclosure; Stock Rises - Return On Capital - Bölüm Sonu Canavarı

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NODK — Frequently Asked Questions

What is the current share price of NI Holdings, Inc. (NODK)?

As of 2026-07-14 21:23 PDT, NI Holdings, Inc. (NODK) trades at $15.77 on NasdaqCM. Its 52-week range is $12.24 to $16.33.

What is the market capitalisation of NODK?

NI Holdings, Inc. (NODK) has a market capitalisation of $322.99M on NasdaqCM.

What is the P/E ratio of NODK?

NODK trades at a trailing price-to-earnings (P/E) ratio of -75.10. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.28.

What is the return on equity (ROE) of NODK?

NODK has a return on equity (ROE) of -1.73%.

Is NODK a good stock to buy?

This page provides a data-driven analysis of NI Holdings, Inc. (NODK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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