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NI Holdings, Inc. (NODK)

Financial Services | Insurance - Property & Casualty | Fargo, United States | NasdaqCM
14.99 USD +0.15 (1.045%) ⇧ (Oct. 15, 2026, 10:35 a.m. EDT)

Short-term:★★⯪☆☆Long-term:★☆☆☆☆Dividends:☆☆☆☆☆
Hot Take ↕ | Oct. 10, 2026, 2:21 a.m. EDT

The immediate outlook is neutral-to-slightly-bearish as the stock hovers near key support levels with a modest downward bias in the short-term forecast, though the recent price action shows resilience against the 200-day average. However, the long-term investment case is severely compromised by a structural deterioration in business quality; despite a recent recovery in price, the company has suffered five consecutive years of negative annual returns, with the most recent year seeing a sharp decline. This persistent multi-year decline suggests the market has correctly identified a failing competitive position or deteriorating fundamentals, rendering the current valuation unjustified regardless of any temporary stabilization. Furthermore, the absence of any dividend payments eliminates income appeal, leaving investors exposed to capital loss risks in a sector where profitability margins are already thin.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.032432
MSTL0.033544
AutoETS0.034772
AutoARIMA0.035141

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 52%
H-stat 5.06
Ljung-Box p 0.000
Jarque-Bera p 0.833
Excess Kurtosis -0.01
Attribute Value
Sector Financial Services
Debt to Equity Ratio 0.464
Revenue per Share 12.794
Market Cap 305,764,768
Trailing P/E 39.43
Beta 0.31
Profit Margins 2.93%
Website https://www.niholdingsinc.com

Info Dump

Attribute Value
52 Week Change 0.0944649
Address1 1,101 First Avenue North
All Time High 21.21
All Time Low 10.15
Ask 18.96
Ask Size 2
Audit Risk 10
Average Daily Volume10 Day 23,040
Average Daily Volume3 Month 26,360
Average Volume 26,360
Average Volume10Days 23,040
Beta 0.313
Bid 10.68
Bid Size 2
Board Risk 3
Book Value 12.205
City Fargo
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 4
Country United States
Crypto Tradeable 0
Currency USD
Current Price 14.985
Current Ratio 0.58
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 14.99
Day Low 14.89
Debt To Equity 0.464
Display Name NI
Dividend Yield 0.0
Earnings Timestamp 1,786,132,800
Earnings Timestamp End 1,793,995,200
Earnings Timestamp Start 1,793,995,200
Ebitda 11,926,000
Ebitda Margins 0.0446
Enterprise To Ebitda 21.143
Enterprise To Revenue 0.943
Enterprise Value 252,151,040
Eps Trailing Twelve Months 0.38
Esg Populated 0
Exchange NCM
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 15.1015
Fifty Day Average Change -0.1164999
Fifty Day Average Change Percent -0.007714459
Fifty Two Week Change Percent 9.446489
Fifty Two Week High 16.7
Fifty Two Week High Change -1.7150011
Fifty Two Week High Change Percent -0.102694675
Fifty Two Week Low 12.37
Fifty Two Week Low Change 2.6149998
Fifty Two Week Low Change Percent 0.21139853
Fifty Two Week Range 12.37 - 16.7
Financial Currency USD
First Trade Date Milliseconds 1,489,671,000,000
Float Shares 6,049,592
Free Cashflow 20,678,250
Full Exchange Name NasdaqCM
Full Time Employees 166
Fullday Change 0.15499973
Fullday Change Percent 1.0451769
Fullday Price 14.985
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.04183
Gross Profits 11,186,000
Has Pre Post Market Data 1
Held Percent Insiders 0.63602
Held Percent Institutions 0.2497
Implied Shares Outstanding 20,404,723
Industry Insurance - Property & Casualty
Industry Disp Insurance - Property & Casualty
Industry Key insurance-property-casualty
Is Earnings Date Estimate 1
Language en-US
Last Fiscal Year End 1,767,139,200
Long Business Summary 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.
Long Name NI Holdings, Inc.
Market us_market
Market Cap 305,764,768
Market State REGULAR
Max Age 86,400
Message Board Id finmb_381013111
Most Recent Quarter 1,782,777,600
Net Income To Common 7,832,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 301,173,711
Open 14.92
Operating Cashflow -32,516,000
Operating Margins 0.00327
Overall Risk 5
Payout Ratio 0.0
Phone 701 298 4200
Previous Close 14.83
Price Hint 2
Price To Book 1.2277755
Price To Sales Trailing12 Months 1.1434947
Profit Margins 0.029289998
Quick Ratio 0.529
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.15499973
Regular Market Change Percent 1.0451769
Regular Market Day High 14.99
Regular Market Day Low 14.89
Regular Market Day Range 14.89 - 14.99
Regular Market Open 14.92
Regular Market Previous Close 14.83
Regular Market Price 14.985
Regular Market Time 1,792,074,937
Regular Market Volume 2,430
Return On Assets 0.01202
Return On Equity 0.03179
Revenue Growth -0.077
Revenue Per Share 12.794
Sand P52 Week Change 0.16440773
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 5
Shares Outstanding 20,404,723
Shares Percent Shares Out 0.0046
Shares Short 94,384
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 75,785
Short Name NI Holdings, Inc.
Short Percent Of Float 0.0124
Short Ratio 2.59
Source Interval 15
State ND
Symbol NODK
Total Cash 51,609,000
Total Cash Per Share 2.529
Total Debt 1,158,000
Total Revenue 267,395,008
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 0.38
Trailing P E 39.43421
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 14.241725
Two Hundred Day Average Change 0.7432747
Two Hundred Day Average Change Percent 0.052189935
Type Disp Equity
Volume 2,430
Website https://www.niholdingsinc.com
Zip 58,102