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NI Holdings, Inc.

Data quality: 100%
NODK
Nasdaq Financial Services Insurance Carriers
$13.17
▼ $0.24 (-1.75%)
Mkt Cap: 271.27 M
Price
$13.17
Mkt Cap
271.27 M
Day Range
$13.07 — $13.62
52-Week Range
$12.01 — $14.70
Volume
17,066
Open $13.62
50D / 200D Avg
$13.21
0.33% below
50D / 200D Avg
$13.27
0.76% below

Quick Summary

Key Takeaways

Revenue declined -3.15% annually over 5 years
Debt/Equity of 0.01 — conservative balance sheet
Negative free cash flow of -15.49 M
Revenue growth is decelerating — 1Y growth trails 5Y average by 9.20%
Capital efficient — spends only 0.08% of revenue on capex

Growth

Revenue Growth (5Y)
-3.15%
Below sector avg (6.38%)
Revenue (1Y)-12.35%
Earnings (1Y)N/A
FCF Growth (3Y)N/A

Quality

Return on Equity
-4.28%
Below sector avg (10.70%)
ROICN/A
Net Margin-3.65%
Op. MarginN/A

Safety

Debt / Equity
0.01
Below sector avg (0.50)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
-26.05
Below sector avg (12.63)
P/B Ratio1.11
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (1096 peers)
Metric Stock Sector Median
P/E -26.1 12.6
P/B 1.1 1.4
ROE % -4.3 10.7
Net Margin % -3.7 14.8
Rev Growth 5Y % -3.2 6.4
D/E 0.0 0.5

ETFs Holding This Stock

BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.02% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) -12.35% Revenue Growth (3Y) -11.71%
Earnings Growth (1Y) N/A Earnings Growth (3Y) N/A
Revenue Growth (5Y) -3.15% Earnings Growth (5Y) N/A
Profitability
Revenue (TTM) 285.05 M Net Income (TTM) -10.41 M
ROE -4.28% ROA -1.79%
Gross Margin 24.51% Operating Margin N/A
Net Margin -3.65% Free Cash Flow (TTM) -15.49 M
ROIC N/A FCF Growth (3Y) N/A
Safety
Debt / Equity 0.01 Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.49
Working Capital N/A Tangible Book Value 241.17 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio -26.05 Forward P/E N/A
P/B Ratio 1.11 P/S Ratio 0.95
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield -5.71%
Market Cap 271.27 M Enterprise Value 249.02 M
Per Share
EPS (Diluted TTM) -0.50 Revenue / Share 13.83
FCF / Share -0.75 OCF / Share -0.74
EPS CAGR (1Y) N/A EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 0.08% FCF Conversion 148.75%
SBC-Adj. FCF -15.90 M Growth Momentum -9.20

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 285.05 M 325.20 M 365.70 M 324.44 M 323.97 M
Net Income -10.41 M -6.06 M -5.48 M -53.10 M 8.42 M
EPS (Diluted) -0.50 -0.29 -0.26 -2.49 —
Gross Profit 69.87 M 102.65 M 106.73 M 33.86 M 83.21 M
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — 708,000.0 694,000.0
Interest Expense — — — — —
Income Tax -1.92 M 3.55 M 963,000.0 -15.25 M 2.97 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 506.00 M 526.55 M 654.89 M 614.23 M 651.78 M
Total Liabilities 265.67 M 281.91 M 404.49 M 361.03 M 304.37 M
Shareholders' Equity 240.34 M 244.63 M 250.40 M 253.21 M 347.41 M
Total Debt 2.40 M 2.40 M 2.40 M 2.40 M 2.40 M
Cash & Equivalents 51.72 M 50.93 M 56.69 M 47.00 M 70.62 M
Current Assets — — — — —
Current Liabilities — — — — —