NI HOLDINGS INC

NODKNASDAQ

🏆 #3184 by market capUS Equity

$15.53▲ $0.08 (+0.52%)

Live

1h—

24h▲ 0.5%

7d▼ 0.8%

14d▼ 3.3%

30d▼ 1.6%

1y▲ 22.3%

🏦Market Cap

$318M

Small Cap

📈Revenue Growth (YoY)

-15.4%

Declining

📊Gross Margin

—

💵FCF Margin

10.8%

Healthy

⚖️P/S Ratio

1.2x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $15.42 – $15.65
52-Week Range: $12.22 – $16.70
Volume: $3.84B
Avg Volume: $2.60B
Shares Outstanding: 20.5M
Next Earnings: Oct 17, 2026

Fundamentals Snapshot

Annual Revenue: $285M
Last Q Revenue: $10M
P/E Ratio: —
P/S Ratio: 1.2x
EPS (TTM): $-0.21
Dividend Yield: —

Why Investors Own NODK

✓High-growth profile — revenue up -0.7% YoY with expanding US Equity exposure.
✓Healthy economics — 28% gross margin and 12% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$285M▼ −2.8% YoY

Gross Margin (TTM)

28.1%▲ +2.1% YoY

Operating Income (TTM)

$61M▼ −2.8% YoY

Free Cash Flow (TTM)

$34M▼ −2.8% YoY

About NI HOLDINGS INC

NI Holdings, Inc. provides a comprehensive range of property and casualty insurance policies across the United States. Their product portfolio includes coverage for personal and specialized automobile risks, residential properties, agricultural holdings, various types of crop damage (including hail and multi-peril), and general liability. Established in 1946, the company's primary operations are situated in Fargo, North Dakota, as a subsidiary of Nodak Mutual Group, Inc.

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