Accessibility Menu
Ni logo

Ni(NASDAQ) NODK

Market Cap$310.36MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2017)+3%
5 Year-24%
1 Year+12%
1 Month-1%
Premium Feature
Moneyball Superscore
36/100
$15.00
-1.38%
-0.21Today
Ni last closing stock price
MetricPriceDate
Last closeUSD 15.002026-08-31
Ni stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.79%USD 15.122026-08-24
1 month-0.99%USD 15.152026-07-31
3 month+3.56%USD 14.492026-06-02
Year to date+12.78%USD 13.302025-12-31
1 year+12.02%USD 13.392025-08-29
3 year+17.55%USD 12.762023-09-01
5 year-23.63%USD 19.642021-09-01
Since inception+3.12%USD 14.752017-03-16

Ni Financials at a Glance

Market Cap

$310.36MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$267.40M

Net Income (TTM)

$7.83M

EPS (TTM)

$0.37

P/E Ratio

40.93

Dividend

$0.00

Beta (Volatility)

0.50 (Low)

Price

$15.00

Volume

30,019

Open

$15.01

Previous Close

$15.00

Daily Range

$14.85 - $15.16

52-Week Range

$12.37 - $16.70

Estimated Earnings Date

Nov 6, 2026

NODK News

No articles available.

NODK: Motley Fool Moneyball Superscore

36

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About Ni

NI Holdings, Inc. helps protect people from financial loss after accidents. It covers cars, homes, farms, and crops across the United States. The company pays for damages from weather, crashes, and other unexpected events.

What Does NI Holdings Cover?

  • Home and Farm: Residential and agricultural property coverage; $26.1 million in net premiums earned for the quarter ended June 30, 2026.
  • Private Passenger Auto: Insurance for personal vehicles; $22.1 million in net premiums earned for the quarter ended June 30, 2026.
  • Crop Insurance: Protection against hail and weather damage to harvests; $10.5 million in net premiums earned for the quarter ended June 30, 2026.
  • All Other: Participation in reinsurance programs for farm bureaus; $5.4 million in net premiums earned for the quarter ended June 30, 2026.
  • Non-Standard Auto: Higher-risk driver coverage; $942,000 in net premiums earned for the quarter ended June 30, 2026.

Recent Strategic Shifts

  • Stopped writing non-standard auto business in Illinois, Arizona, and South Dakota during the third quarter of 2025.
  • Expanded participation in catastrophe reinsurance programs for certain farm bureau insurance companies to diversify risk.
  • Implemented rate increases and new business growth in the North Dakota home and farm market.
  • Managed the runoff of existing non-standard auto policies to reduce high-commission agent expenses.

Strong Regional Roots

NI Holdings maintains deep ties to the agricultural sector, particularly in North Dakota where it is headquartered. Specialized knowledge in crop and farm insurance allows it to serve niche markets often overlooked by larger national insurers.

The Financial Scorecard

  • Net income was $146,000 for the three-month period ended June 30, 2026, compared to a net loss of $12.1 million a year earlier.
  • The combined ratio improved to 107.7% for the quarter ended June 30, 2026, down 17.4 percentage points year over year.
  • Underwriting loss was $5.0 million for the quarter ended June 30, 2026, down from $18.4 million in the prior-year period.
  • Total cash and investments were $376.5 million as of June 30, 2026.

Evolution Toward Stability

NI Holdings is shifting away from high-risk auto insurance to focus on its agricultural and regional roots. This pivot aims to create more stable financial results by reducing exposure to volatile insurance segments.

AI Generated • Aug 8, 2026

Industry

Insurance

Sector

Financials

Employees

172

CEO

Cindy L. Launer

Website

www.niholdingsinc.com

Headquarters

Fargo, ND 58102, US

NODK Financials

Key Financial Metrics (TTM)

Gross Margin

27.25%

Operating Margin

4.18%

Net Income Margin

2.93%

Return on Equity

3.18%

Return on Capital

-5.13%

Return on Assets

1.44%

Earnings Yield

2.44%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$310.36MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

20.40M

Volume

30.02K

Avg. Volume

24.73K

Financials (TTM)

Gross Profit

$72.88M

Operating Income

$11.19M

EBITDA

$11.93M

Operating Cash Flow

-$32.52M

Capital Expenditure

$121.00K

Free Cash Flow

-$32.40M

Cash & ST Invst.

$51.61M

Total Debt

$0.00

Ni Performance Analysis

Ni annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 324,437,0000.1%
20232023-12-31USD 304,020,000-6.3%
20242024-12-31USD 325,204,0007.0%
20252025-12-31USD 285,050,000-12.3%
Ni sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-300.7%
Q42025-12-31-20.3%
Q12026-03-31-2.3%
Q22026-06-3017.8%
Ni annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -2.49N/A
20232023-12-31USD -0.26-89.6%
20242024-12-31USD 0.24N/A
20252025-12-31USD -0.50N/A
Ni sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3086.0%
Q42025-12-31-87.5%
Q12026-03-31500.0%
Q22026-06-30-98.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$70.23M

-7.7%

Gross Profit

$21.82M

+415.1%

Gross Margin

31.06%

N/A

Market Cap

$310.36MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.84M

N/A

Employees

169

N/A

Net Income

$146.00K

+101.2%

EBITDA

$352.00K

+102.3%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$51.61M

-74.0%

Total Debt

$0.00

N/A

Accounts Receivable

$77.79M

-51.8%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$240.00K

N/A

Return on Assets

1.44%

N/A

Return on Invested Capital

2.09%

N/A

Free Cash Flow

$893.00K

-85.7%

Operating Cash Flow

$912.00K

-85.8%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
JMSBJohn Marshall Bancorp, Inc.
$22.84-0.41%
KINSKingstone Companies, Inc.
$19.65-1.75%
ISBAIsabella Bank Corporation
$38.24-3.04%
NEWTNewtekOne, Inc.
$11.79-1.01%

Trending Stocks

Symbol / CompanyPricePrice Chg
PCGPG&E
$13.27-0.20%
NVDANvidia
$220.78+0.01%
TSLLDirexion Shares ETF Trust - Direxion Daily Tsla Bull 2x ETF
$9.97+0.11%
CNHCNH Industrial
$11.83+0.01%

Questions About NODK

What is the current price of Ni?

Ni is trading at $15.00 per share.

What is the 52-week range for Ni?

Over the past 52 weeks, Ni has traded between $12.37 and $16.70.

How much debt does Ni have?

As of the most recent reporting period, Ni reported total debt of $1.16M.

How much cash does Ni have on hand?

Ni reported $51.61M in cash and cash equivalents in its most recent financial results.

What is Ni’s dividend yield?

Ni does not currently have a dividend yield.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services