Is a complete NODK research report available?

No complete published report is available for NI Holdings, Inc. (NODK) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

NI Holdings, Inc. (NODK)

NASDAQ: NODK · USD

$14.8

+0.05 (+0.3%)· Recorded snapshot

Market cap	302.6M
Revenue (ttm)	267.4M
Net income (ttm)	7.8M
EPS (ttm)	$0.37
Shares out	20.4M
P/E (trailing)	39.6x
Volume	8,695
Beta	0.31

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 267.4M
Net income (ttm): 7.8M
EPS (ttm): $0.37
P/E (trailing): 39.6x
Market cap: 302.6M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	强力买入
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	强力买入
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	持有

Metric	Value
Amount currency	USD
CIK code	0001681206
Company name	NI Holdings, Inc.
Country	United States
Country code	US
CUSIP number	65342T106
Earnings date	2026-11-10
Earnings time	amc
Employees	172
Employees change	-44
Employees growth	-20.37%
Enterprise value	$252.2M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1946
In index	RUSSELL2000
Industry	Insurance - Property & Casualty
IPO date	2017-03-16
Is primary listing	Yes
Is SPAC	No
ISIN number	US65342T1060
Last 10-K release date	2026-03-06
Last earnings date	2026-08-07
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$302.6M
Market cap category	Small-Cap
Next earnings date	2026-11-10
Options	No
Price	$14.83
Price currency	USD
Sector	Financials
SIC code	6331
Stock price date	2026-10-28
Symbol	NODK
U.S. state	North Dakota
Website	https://www.niholdingsinc.com

Metric

Value

Amount currency

USD

CIK code

0001681206

Company name

NI Holdings, Inc.

Country

United States

Country code

CUSIP number

65342T106

Earnings date

2026-11-10

Earnings time

amc

Employees

172

Employees change

-44

Employees growth

-20.37%

Enterprise value

$252.2M

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

1946

In index

RUSSELL2000

Industry

Insurance - Property & Casualty

IPO date

2017-03-16

Is primary listing

Yes

Is SPAC

ISIN number

US65342T1060

Last 10-K release date

2026-03-06

Last earnings date

2026-08-07

Last refreshed

2026-10-28

Last stock split type

Never

Market cap

$302.6M

Market cap category

Small-Cap

Next earnings date

2026-11-10

Options

Price

$14.83

Price currency

USD

Sector

Financials

SIC code

6331

Stock price date

2026-10-28

Symbol

NODK

U.S. state

North Dakota

Website

https://www.niholdingsinc.com

Metric	Value
Average P/E ratio (10Y)	61.48x
Earnings yield	2.53%
EV/Earnings	32.14x
EV/EBIT	22.51x
EV/EBITDA	21.11x
EV/Sales	0.94x
FCF / EV yield	-12.95%
FCF yield	-10.79%
Graham number	10.14461
Graham upside	-31.5%
Industry forward P/E	12.53x
Industry P/E	10.09x
Lynch fair value	$1.87
Lynch upside	-87.35%
P/B ratio	1.21x
P/E ratio	39.57x
P/S ratio	1.13x
Price / tangible book value	1.21x
Price/EBITDA ratio	25.34x
Sector forward P/E	13.63x
Sector P/E	15.65x

Metric

Value

Average P/E ratio (10Y)

61.48x

Earnings yield

2.53%

EV/Earnings

32.14x

EV/EBIT

22.51x

EV/EBITDA

21.11x

EV/Sales

0.94x

FCF / EV yield

-12.95%

FCF yield

-10.79%

Graham number

10.14461

Graham upside

-31.5%

Industry forward P/E

12.53x

Industry P/E

10.09x

Lynch fair value

$1.87

Lynch upside

-87.35%

P/B ratio

1.21x

P/E ratio

39.57x

P/S ratio

1.13x

Price / tangible book value

1.21x

Price/EBITDA ratio

25.34x

Sector forward P/E

13.63x

Sector P/E

15.65x

Metric	Value
EBIT margin	4.18%
EBITDA margin	4.46%
Effective tax rate	29.98%
Gross margin	4.18%
Operating margin	4.18%
Pretax margin	4.18%
Profit margin	2.93%
Profit per employee	$45,535
Profitable quarters	2
Revenue per employee	$1.6M
ROA	1.2%
ROA (5Y)	-0.45%
ROCE	4.47%
ROE	3.18%
ROE (5Y)	-0.85%
ROIC	3.12%
ROIC (5Y)	-1.81%
SBC / revenue	0.41%
Tax / revenue	1.25%

Metric

Value

EBIT margin

4.18%

EBITDA margin

4.46%

Effective tax rate

29.98%

Gross margin

4.18%

Operating margin

4.18%

Pretax margin

4.18%

Profit margin

2.93%

Profit per employee

$45,535

Profitable quarters

Revenue per employee

$1.6M

ROA

1.2%

ROA (5Y)

-0.45%

ROCE

4.47%

ROE

3.18%

ROE (5Y)

-0.85%

ROIC

3.12%

ROIC (5Y)

-1.81%

SBC / revenue

0.41%

Tax / revenue

1.25%

Metric	Value
EPS growth	431.76%
EPS growth (QoQ)	-98.83%
EPS growth 5Y	-24.08%
EPS growth quarters	2
EPS growth years	0
FCF growth (Q)	-85.69%
Net income growth	404.64%
Net income growth (QoQ)	-98.83%
Net income growth 5Y	-24.66%
Net income growth quarters	2
Net income growth years	0
OCF growth (Q)	-85.75%
Revenue growth	-13.85%
Revenue growth (Q)	-7.66%
Revenue growth (QoQ)	17.84%
Revenue growth 10Y	5.65%
Revenue growth 3Y	-6.75%
Revenue growth 5Y	-3.44%
Revenue growth years	0

Metric

Value

EPS growth

431.76%

EPS growth (QoQ)

-98.83%

EPS growth 5Y

-24.08%

EPS growth quarters

EPS growth years

FCF growth (Q)

-85.69%

Net income growth

404.64%

Net income growth (QoQ)

-98.83%

Net income growth 5Y

-24.66%

Net income growth quarters

Net income growth years

OCF growth (Q)

-85.75%

Revenue growth

-13.85%

Revenue growth (Q)

-7.66%

Revenue growth (QoQ)

17.84%

Revenue growth 10Y

5.65%

Revenue growth 3Y

-6.75%

Revenue growth 5Y

-3.44%

Revenue growth years

Metric	Value
Capital expenditures	$-96,000
EBIT	$11.2M
EBITDA	$11.9M
EPS	$0.37
FCF per share	$-1.60
Financing cash flow	$-5.1M
Free cash flow	$-32.6M
Free cash flow minus SBC	$-33.7M
Gross profit	$11.2M
Income taxes	$3.4M
Investing cash flow	$32.4M
Net borrowing	$-81,000
Net cash flow	$-5.2M
Net income	$7.8M
Operating cash flow minus SBC	$-33.6M
Operating income	$11.2M
Revenue	$267.4M
Stock-based compensation	$1.1M

Metric

Value

Capital expenditures

$-96,000

EBIT

$11.2M

EBITDA

$11.9M

EPS

$0.37

FCF per share

$-1.60

Financing cash flow

$-5.1M

Free cash flow

$-32.6M

Free cash flow minus SBC

$-33.7M

Gross profit

$11.2M

Income taxes

$3.4M

Investing cash flow

$32.4M

Net borrowing

$-81,000

Net cash flow

$-5.2M

Net income

$7.8M

Operating cash flow minus SBC

$-33.6M

Operating income

$11.2M

Revenue

$267.4M

Stock-based compensation

$1.1M

Metric	Value
Book value per share	$12.21
Debt / EBITDA	0.09
Debt / equity	0
Net cash (debt)	$50.5M
Net cash / market cap	16.69%
Net cash growth	-8.56%
Net debt / EBITDA	-4.23
Net debt / equity	-0.2
Piotroski F-Score	2
Property, plant and equipment	$6.5M
Shareholders' equity	$249.4M
Tangible book value	$249.4M
Tangible book value per share	$12.21
Total assets	$543.1M
Total cash	$51.6M
Total debt	$1.2M
Total liabilities	$293.8M
WACC	5.95%

Metric

Value

Book value per share

$12.21

Debt / EBITDA

0.09

Debt / equity

Net cash (debt)

$50.5M

Net cash / market cap

16.69%

Net cash growth

-8.56%

Net debt / EBITDA

-4.23

Net debt / equity

-0.2

Piotroski F-Score

Property, plant and equipment

$6.5M

Shareholders' equity

$249.4M

Tangible book value

$249.4M

Tangible book value per share

$12.21

Total assets

$543.1M

Total cash

$51.6M

Total debt

$1.2M

Total liabilities

$293.8M

WACC

5.95%

Metric	Value
Asset turnover	0.46
Current ratio	0.58
Net working capital	$-174.4M
Quick ratio	0.53
Working capital	$-123M

Metric

Value

Asset turnover

0.46

Current ratio

0.58

Net working capital

$-174.4M

Quick ratio

0.53

Working capital

$-123M

Metric	Value
Buyback yield / dilution	0.93%
Dividend yield	0%
Shareholder yield	0.93%

Metric

Value

Buyback yield / dilution

0.93%

Dividend yield

Shareholder yield

0.93%

Metric	Value
150-day SMA	$14.66
1D price change	0.34%
1M price change	0.14%
1M total return	0.14%
1W price change	0.47%
1W total return	0.47%
1Y price change	10.02%
1Y return CAGR	10.03%
1Y total return	10.02%
20-day SMA	$14.83
200-day SMA	$14.31
3M price change	-6.44%
3M total return	-6.44%
3Y price change	20.59%
3Y return CAGR	6.44%
3Y total return	20.59%
50-day SMA	$14.99
50-day SMA vs 200-day SMA	50over200
52-week high	$16.70
52-week high date	2026-07-15
52-week low	$12.37
52-week low date	2025-12-01
5Y price change	-24.46%
5Y return CAGR	-5.46%
5Y total return	-24.46%
6M price change	14.35%
6M total return	14.35%
All-time high	$21.21
All-time high date	2021-06-21
All-time low	$10.15
All-time low date	2020-03-20
Average true range (ATR)	$0.29
Average volume	18.1K
Beta (1Y)	0
Beta (2Y)	0.32
Beta (5Y)	0.31
Change from 52-week high	-11.2%
Change from 52-week low	19.89%
Change from all-time high	-30.13%
Change from all-time low	46.01%
Change from open	0.34%
Day's gap	0%
Dollar volume	$128,947
High price	$14.93
Low price	$14.74
Monthly RSI	54.63
Open price	$14.78
Position in 52-week range	47.37%
Previous close	$14.78
Price vs 150-day SMA	1.1%
Price vs 20-day SMA	-0.09%
Price vs 200-day SMA	3.54%
Price vs 50-day SMA	-1.11%
Relative volume	0.48
RSI	47.25
Sharpe ratio	0.37
Sharpe ratio (3Y)	0.24
Sharpe ratio (5Y)	-0.24
Sortino ratio	0.9
Sortino ratio (3Y)	0.59
Sortino ratio (5Y)	-0.13
Volume	8.7K
Weekly RSI	51.62
YTD price change	11.43%
YTD total return	11.43%

Metric

Value

150-day SMA

$14.66

1D price change

0.34%

1M price change

0.14%

1M total return

0.14%

1W price change

0.47%

1W total return

0.47%

1Y price change

10.02%

1Y return CAGR

10.03%

1Y total return

10.02%

20-day SMA

$14.83

200-day SMA

$14.31

3M price change

-6.44%

3M total return

-6.44%

3Y price change

20.59%

3Y return CAGR

6.44%

3Y total return

20.59%

50-day SMA

$14.99

50-day SMA vs 200-day SMA

50over200

52-week high

$16.70

52-week high date

2026-07-15

52-week low

$12.37

52-week low date

2025-12-01

5Y price change

-24.46%

5Y return CAGR

-5.46%

5Y total return

-24.46%

6M price change

14.35%

6M total return

14.35%

All-time high

$21.21

All-time high date

2021-06-21

All-time low

$10.15

All-time low date

2020-03-20

Average true range (ATR)

$0.29

Average volume

18.1K

Beta (1Y)

Beta (2Y)

0.32

Beta (5Y)

0.31

Change from 52-week high

-11.2%

Change from 52-week low

19.89%

Change from all-time high

-30.13%

Change from all-time low

46.01%

Change from open

0.34%

Day's gap

Dollar volume

$128,947

High price

$14.93

Low price

$14.74

Monthly RSI

54.63

Open price

$14.78

Position in 52-week range

47.37%

Previous close

$14.78

Price vs 150-day SMA

1.1%

Price vs 20-day SMA

-0.09%

Price vs 200-day SMA

3.54%

Price vs 50-day SMA

-1.11%

Relative volume

0.48

RSI

47.25

Sharpe ratio

0.37

Sharpe ratio (3Y)

0.24

Sharpe ratio (5Y)

-0.24

Sortino ratio

0.9

Sortino ratio (3Y)

0.59

Sortino ratio (5Y)

-0.13

Volume

8.7K

Weekly RSI

51.62

YTD price change

11.43%

YTD total return

11.43%

Metric	Value
Float	6M
Float percentage	29.4%
Shares change (QoQ)	-0.29%
Shares change (YoY)	-0.93%
Shares held by insiders	0.75%
Shares held by institutions	17.54%
Shares outstanding	20.4M
Short % of float	1.57%
Short % of shares	0.46%
Short ratio	2.6 days

Metric

Value

Float

Float percentage

29.4%

Shares change (QoQ)

-0.29%

Shares change (YoY)

-0.93%

Shares held by insiders

0.75%

Shares held by institutions

17.54%

Shares outstanding

20.4M

Short % of float

1.57%

Short % of shares

0.46%

Short ratio

2.6 days

NI Holdings, Inc. (NODK)

Price

Financial snapshot

Fair-value bridge

Latest news · NODK

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All NODK indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on NODK

Frequently asked questions