| Indicators | Browse All

NI Holdings, Inc. (NODK)

Financial Services | Insurance - Property & Casualty | Fargo, United States | NasdaqCM
15.85 USD +0.10 (0.635%) ⇧ (July 13, 2026, 4 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★☆☆☆☆Dividends:☆☆☆☆☆
Hot Take | July 11, 2026, 3:01 a.m. EDT

The immediate outlook remains neutral due to a lack of clear directional momentum, though the recent price action shows some resilience against the broader downtrend. However, the long-term investment case is severely compromised by deteriorating fundamentals; the company is generating negative profit margins and negative return on equity, while revenue has contracted significantly over the trailing twelve months. The multi-year price trajectory confirms this structural weakness, with the stock down nearly 27% over the last eight years and failing to post positive annual returns in five of those periods. Compounding these issues, the underwriting environment appears strained with a combined ratio near 110%, and there is no dividend support to cushion the blow, making this a speculative hold rather than a viable investment.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.134997
MSTL0.136330
AutoETS0.137662
AutoTheta0.141274

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 52%
H-stat 10.38
Ljung-Box p 0.000
Jarque-Bera p 0.165
Excess Kurtosis -1.17
Attribute Value
Sector Financial Services
Debt to Equity Ratio 0.509
Revenue per Share 13.037
Market Cap 324,630,784
Beta 0.35
Profit Margins -1.60%
Website https://www.niholdingsinc.com

Info Dump

Attribute Value
52 Week Change 0.19137669
Address1 1,101 First Avenue North
All Time High 21.21
All Time Low 10.15
Ask 20.48
Ask Size 2
Audit Risk 10
Average Daily Volume10 Day 42,660
Average Daily Volume3 Month 22,245
Average Volume 22,245
Average Volume10Days 42,660
Beta 0.351
Bid 11.42
Bid Size 2
Board Risk 3
Book Value 12.193
City Fargo
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 4
Country United States
Crypto Tradeable 0
Currency USD
Current Price 15.85
Current Ratio 0.547
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 16.15
Day Low 15.75
Debt To Equity 0.509
Display Name NI
Earnings Growth 0.949
Earnings Quarterly Growth 0.936
Earnings Timestamp 1,778,270,400
Earnings Timestamp End 1,786,132,800
Earnings Timestamp Start 1,786,132,800
Ebitda -3,579,000
Ebitda Margins -0.013099999
Enterprise To Ebitda -74.934
Enterprise To Revenue 0.982
Enterprise Value 268,187,776
Eps Trailing Twelve Months -0.21
Esg Populated 0
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 14.6223
Fifty Day Average Change 1.2277002
Fifty Day Average Change Percent 0.083960816
Fifty Two Week Change Percent 19.137669
Fifty Two Week High 16.49
Fifty Two Week High Change -0.6399994
Fifty Two Week High Change Percent -0.038811363
Fifty Two Week Low 12.22
Fifty Two Week Low Change 3.63
Fifty Two Week Low Change Percent 0.29705402
Fifty Two Week Range 12.22 - 16.49
Financial Currency USD
First Trade Date Milliseconds 1,489,671,000,000
Float Shares 4,800,644
Free Cashflow 27,861,000
Full Exchange Name NasdaqCM
Full Time Employees 166
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins -0.01599
Gross Profits -4,368,000
Has Pre Post Market Data 1
Held Percent Insiders 0.68222
Held Percent Institutions 0.24686001
Implied Shares Outstanding 20,481,437
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 324,630,784
Market State PRE
Max Age 86,400
Message Board Id finmb_381013111
Most Recent Quarter 1,774,915,200
Net Income To Common -4,365,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 324,835,590
Open 15.85
Operating Cashflow -27,027,000
Operating Margins 0.26358
Overall Risk 5
Payout Ratio 0.0
Phone 701 298 4200
Previous Close 15.75
Price Hint 2
Price To Book 1.2999263
Price To Sales Trailing12 Months 1.188175
Profit Margins -0.01598
Quick Ratio 0.496
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.1
Regular Market Change Percent 0.634923
Regular Market Day High 16.15
Regular Market Day Low 15.75
Regular Market Day Range 15.75 - 16.15
Regular Market Open 15.85
Regular Market Previous Close 15.75
Regular Market Price 15.85
Regular Market Time 1,783,972,800
Regular Market Volume 11,457
Return On Assets -0.00537
Return On Equity -0.01731
Revenue Growth -0.166
Revenue Per Share 13.037
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 5
Shares Outstanding 20,481,437
Shares Percent Shares Out 0.0033000002
Shares Short 66,932
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 55,277
Short Name NI Holdings, Inc.
Short Percent Of Float 0.0087
Short Ratio 1.87
Source Interval 15
State ND
Symbol NODK
Total Cash 57,717,000
Total Cash Per Share 2.818
Total Debt 1,274,000
Total Revenue 273,217,984
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps -0.21
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 13.65865
Two Hundred Day Average Change 2.19135
Two Hundred Day Average Change Percent 0.1604368
Type Disp Equity
Volume 11,457
Website https://www.niholdingsinc.com
Zip 58,102