NI Holdings, Inc.

NI Holdings, Inc. (NODK) Market Cap

NI Holdings, Inc. has a market capitalization of β€”.

No quote data available.

CEO: Cindy L. Launer

Sector: Financial Services

Industry: Insurance - Property & Casualty

IPO Date: 2017-03-16

Website: https://www.niholdingsinc.com

NI Holdings, Inc. (NODK) - Company Information

Market Cap: -|Sector: Financial Services

Company Profile

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.

Analyst Sentiment

Analyst ratings pending...

Consensus Target Matrix

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Price & Moving Averages

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🎯 Wall Street Analyst Intelligence Report

1-Year structural target targets, chart projections, and sentiment maps.

Average 1Y Target
$15.91
β–² +5.00% Upside
Low Target
$11.36
-25% Risk
Median Target
$15.45
2% Mid
High Target
$18.94
25% Max

Consensus Trend Projection

Trailing closures vs. 12-month metrics map.

Analyst Vote Distribution

Aggregate institutional coverage sentiment weights.

Sentiment volume allocation data unavailable.

Historical valuation matrix unavailable.

πŸ“Š AI Financial Analysis

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Earnings Data: Q Ending 2026-03-31

"NODK reported Q1 2026 revenue of $59.6M and net income of $12.5M (EPS: $0.60). On a YoY basis, revenue increased from $71.4M in Q1 2025 to $59.6M in Q1 2026 (-16.5% YoY), while net income swung from $6.5M to $12.5M (+93.5% YoY). QoQ, revenue fell from negative $224.1M in Q4 2025 to $59.6M (not meaningful due to Q4 sign anomaly), but profitability improved materially: net income moved from -$3.2M in Q4 2025 to +$12.5M in Q1 2026. Profitability appears to have stabilized versus the prior year’s downturn quarters: Q1 2026 net margin was 21.0%, up from 9.0% in Q1 2025. Operating cash flow was -$1.9M in Q1 2026 and free cash flow was -$1.9M, reversing from strong positive operating cash flow in Q1 2026 prior quarters (e.g., +$9.9M in Q1 2025). Balance sheet liquidity remains very strong: cash and cash equivalents were $57.7M with total equity of $250.2M and no net debt (net debt -$57.7M). Total shareholder return signals limited momentum: the stock is only up 0.70% over 1Y, with 0 dividend yield and no buyback data provided in cash flow."

Revenue Growth

Caution

Revenue was $59.6M in Q1 2026 vs $71.4M in Q1 2025 (-16.5% YoY). QoQ comparison to Q4 2025 is distorted by negative reported revenue in Q4 2025, so the direction is not reliably interpretable.

Profitability

Positive

Net income improved to $12.5M in Q1 2026 vs $6.5M in Q1 2025 (+93.5% YoY) and improved QoQ from -$3.2M in Q4 2025 to +$12.5M. Net margin expanded to 21.0% from 9.0% in Q1 2025.

Cash Flow Quality

Neutral

Operating cash flow was -$1.9M in Q1 2026 (free cash flow -$1.9M), a clear deterioration versus +$9.9M operating cash flow and +$9.9M free cash flow in Q1 2025.

Leverage & Balance Sheet

Good

Liquidity is strong and leverage is low: cash and equivalents were $57.7M, total equity was $250.2M, and net debt was -$57.7M (net cash). Total assets increased to $492.1M from $525.4M in Q1 2025.

Shareholder Returns

Caution

Market momentum is modest: price is +0.70% over 1Y with 0% dividend yield shown and no buybacks indicated in the Q1 2026 cash flow.

Analyst Sentiment & Valuation

Fair

Valuation multiples provided include P/E ~5.4 in Q1 2026 ratios (based on EPS 0.60). No price target data was supplied, limiting sentiment assessment.

Disclaimer:This analysis is AI-generated for informational purposes only. Accuracy is not guaranteed and this does not constitute financial advice.

Fundamentals Overview

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