NI Holdings, Inc. (NODK)
NASDAQ: NODK · Real-Time Price · USD
15.33
-0.06 (-0.39%)
Nov 6, 2026, 4:00 PM EST - Market closed

NI Holdings Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
259.4285.05325.2304.02267.78323.97
Revenue Growth
-12.94%-12.35%6.97%13.53%-17.34%5.75%
Operating Income
20.06-12.3312.7720.55-52.8811.31
Net Income
15.03-10.41-6.06-5.48-53.18.42
Earnings Per Share
0.72-0.50-0.29-0.26-2.490.39
EPS Growth
------78.80%

Revenue by Segment

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Private Passenger Auto
88.5191.0390.3183.3677.6172.53
All Other
19.2414.0412.6711.7914.1210.55
Home and Farm
103.6693.9290.7683.3978.3873.79
Non-Standard Auto
10.275095.2387.7667.7459.87
Crop
22.4521.6721.1425.8234.7226.85
Unallocated Net Investment Income
10.8611.710.948.036.647.13
Unallocated Net Investment Gains (Losses)
3.551.72.211.93-11.9815.48
Unallocated Fee and Other Income
0.8611.941.940.550.5
Total
259.4285.05325.2304.02267.78323.97

Cash & Debt

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
45.0351.7250.9341.044770.62
Total Debt
-1.39----
Net Cash (Debt)
45.0350.3350.9341.044770.62
Net Cash Growth
94.47%-1.18%24.11%-12.69%-33.45%-30.13%
Net Cash Per Share
2.162.402.411.932.203.26

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-2.77-15.2718.0823.45-21.8129.17
Capital Expenditures
-0.28-0.22-0.99-0.66-0.88-0.74
Free Cash Flow
-3.05-15.4917.0922.79-22.6928.43
Free Cash Flow Growth
---25.04%---43.59%

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
7.73%-4.32%3.93%6.76%-19.75%3.49%
Pretax Margin
7.73%-4.33%3.12%6.76%-19.75%3.49%
Profit Margin
5.79%-3.65%-1.86%-1.80%-19.83%2.60%
FCF Margin
-1.18%-5.43%5.25%7.50%-8.47%8.77%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
21.25----47.71
P/FCF Ratio
--18.9711.73-14.12
PS Ratio
1.200.961.000.881.051.24