NODK logo

NI HOLDINGS INC

NODKNASDAQ
🏆 #3369 by market capEarnings Nov 6US Equity
$14.96▲ $0.06 (+0.37%)
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24h▲ 0.4%
7d▼ 0.1%
14d▼ 1.8%
30d▼ 2.9%
ytd▲ 12.8%
1y▲ 9.9%
🏦Market Cap
$306M
Small Cap
📈Revenue Growth (YoY)
-12.3%
Declining
📊Gross Margin
27.3%
Moderate
💵FCF Margin
-12.1%
Thin
⚖️P/S Ratio
1.1x
Cheap
Otter Score
52
Weak

Trading Snapshot

Day Range
$14.85 – $15.07
52-Week Range
$12.01 – $16.70
Volume
$3.84B
Avg Volume
$2.60B
Shares Outstanding
20.5M
Next Earnings
Dec 5, 2026

Fundamentals Snapshot

Annual Revenue
$285M
Last Q Revenue
$70M
P/E Ratio
39.7
P/S Ratio
1.1x
EPS (TTM)
$0.38
Dividend Yield
0.00%
Dilution (1yr)
−2.3%

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.

NODK logo

NI HOLDINGS INC

NODK
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$285M▼ −12.3% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
29.6%▲ +106.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
−$12M▼ −221.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
−$15M▼ −190.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
20.6M▼ −2.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$52M▲ +$1M YoY
StockOtter · stockotter.space

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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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Weak
52/100

Analyst Price Target

ⓘ
Average Target
$19.43
▲ +29.9% Upside
High Target$21.91
Low Target$17.22
Based on 31 analysts

Latest News & Updates

Defense World·2d ago

Comparing CNO Financial Group (NYSE:CNO) & NI (NASDAQ:NODK)

NI (NASDAQ: NODK - Get Free Report) and CNO Financial Group (NYSE: CNO - Get Free Report) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their a

GlobeNewsWire·Aug 7

NI Holdings, Inc. Reports Results for Second Quarter Ended June 30, 2026

FARGO, N.D., Aug. 07, 2026 (GLOBE NEWSWIRE) -- NI Holdings, Inc. (NASDAQ: NODK) announced today results for the quarter ended June 30, 2026.