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NI Holdings, Inc. NODK

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15.33 USD +0.18 (+1.19%)

Nov 4, 2026, 9:30 AM EST

15.33 Day range 15.33
12.37 52-week range 16.70
YTD
+15.26%
1 year
+15.61%

Financial health

Altman Z-Score

1.98 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 2
  • Return on Equity 1
  • Return on Assets 4
  • Debt / Equity 5
  • P/E 1
  • P/B 3

Valuation

P/E -26.6×
FY 2016: 73.8×FY 2017: 23.9×FY 2018: 11.3×FY 2019: 14.5×FY 2020: 8.8×FY 2021: 48.5×FY 2022: -5.3×FY 2023: -50.0×FY 2024: -54.1×FY 2025: -26.6×
FY 2016 5y median -26.6× FY 2025
P/S 1.0×
FY 2016: 2.1×FY 2017: 2.0×FY 2018: 1.7×FY 2019: 1.4×FY 2020: 1.2×FY 2021: 1.3×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/B 1.2×
FY 2016: 2.2×FY 2017: 1.5×FY 2018: 1.3×FY 2019: 1.2×FY 2020: 1.0×FY 2021: 1.2×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 1.3×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
P/FCF -18.0×
FY 2016: 49.7×FY 2017: 22.4×FY 2018: 18.1×FY 2019: 15.7×FY 2020: 7.1×FY 2021: 14.2×FY 2022: -9.0×FY 2023: 11.0×FY 2024: 19.3×FY 2025: -18.0×
FY 2016 5y median 11.0× FY 2025
EV/EBITDA -19.7×
FY 2016: 48.0×FY 2017: 15.7×FY 2018: 6.6×FY 2019: 8.9×FY 2020: 4.4×FY 2021: 26.8×FY 2022: -4.5×FY 2023: 11.0×FY 2024: 25.8×FY 2025: -19.7×
FY 2016 5y median 11.0× FY 2025
EV/Sales 0.8×
FY 2016: 1.9×FY 2017: 1.9×FY 2018: 1.3×FY 2019: 1.2×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 0.8×
FY 2016 5y median 0.9× FY 2025
FCF Yield -5.5%
FY 2016: 2.0%FY 2017: 4.5%FY 2018: 5.5%FY 2019: 6.4%FY 2020: 14.1%FY 2021: 7.0%FY 2022: -11.1%FY 2023: 9.1%FY 2024: 5.2%FY 2025: -5.5%
FY 2016 5y median 5.2% FY 2025

Profitability

Gross Margin 29.6%
FY 2016: 15.2%FY 2017: 35.1%FY 2018: 45.8%FY 2019: 38.3%FY 2020: 28.2%FY 2021: 13.3%FY 2022: -10.3%FY 2023: 16.4%FY 2024: 14.3%FY 2025: 29.6%
FY 2016 5y median 14.3% FY 2025
Operating Margin -4.3%
FY 2016: 3.7%FY 2017: 11.6%FY 2018: 18.4%FY 2019: 12.5%FY 2020: 17.2%FY 2021: 3.5%FY 2022: -19.7%FY 2023: 6.8%FY 2024: 3.1%FY 2025: -4.3%
FY 2016 5y median 3.1% FY 2025
Net Margin -3.7%
FY 2016: 2.8%FY 2017: 8.5%FY 2018: 14.6%FY 2019: 9.8%FY 2020: 13.2%FY 2021: 2.6%FY 2022: -19.8%FY 2023: -1.8%FY 2024: -1.9%FY 2025: -3.7%
FY 2016 5y median -1.9% FY 2025
ROE -4.3%
FY 2016: 3.0%FY 2017: 6.3%FY 2018: 11.4%FY 2019: 8.6%FY 2020: 11.7%FY 2021: 2.5%FY 2022: -21.2%FY 2023: -2.2%FY 2024: -2.5%FY 2025: -4.3%
FY 2016 5y median -2.5% FY 2025
ROIC -4.0%
FY 2016: 1.0%FY 2017: 2.4%FY 2018: 4.2%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 2.4%FY 2022: -15.3%FY 2023: 4.8%FY 2024: 2.5%FY 2025: -4.0%
FY 2016 5y median 2.4% FY 2025
ROA -2.1%
FY 2016: 1.6%FY 2017: 4.2%FY 2018: 6.8%FY 2019: 5.2%FY 2020: 6.5%FY 2021: 1.3%FY 2022: -8.6%FY 2023: -0.8%FY 2024: -1.2%FY 2025: -2.1%
FY 2016 5y median -1.2% FY 2025

Growth (YoY)

Revenue -12.3%
FY 2016: 12.4%FY 2017: 15.5%FY 2018: 12.3%FY 2019: 27.5%FY 2020: 13.1%FY 2021: 5.8%FY 2022: -17.3%FY 2023: 13.5%FY 2024: 7.0%FY 2025: -12.3%
FY 2016 FY 2025
Operating Income -221.5%
FY 2016: -76.4%FY 2017: 259.8%FY 2018: 78.0%FY 2019: -13.7%FY 2020: 56.2%FY 2021: -78.6%FY 2022: -567.7%FY 2023: 138.9%FY 2024: -50.6%FY 2025: -221.5%
FY 2016 FY 2025
EPS (diluted) -72.4%
FY 2016: -80.6%FY 2017: 255.0%FY 2018: 95.8%FY 2019: -14.4%FY 2020: 54.6%FY 2021: -78.8%FY 2022: -738.5%FY 2023: 89.6%FY 2024: -11.5%FY 2025: -72.4%
FY 2016 FY 2025
Free Cash Flow -190.7%
FY 2016: -59.4%FY 2017: 152.9%FY 2018: 13.5%FY 2019: 25.6%FY 2020: 107.0%FY 2021: -43.6%FY 2022: -210.8%FY 2023: 179.2%FY 2024: -31.6%FY 2025: -190.7%
FY 2016 FY 2025

Financial Health

Current Ratio 1.1×
FY 2016: 6528×FY 2017: 823×FY 2018: 1551×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.7×FY 2022: 0.9×FY 2023: 1.7×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
Quick Ratio 1.1×
FY 2016: 3582×FY 2017: 341×FY 2018: 932×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.7×FY 2022: 0.9×FY 2023: 1.7×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
Debt / Equity 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA 4.5×
FY 2016: -2.8×FY 2017: -1.2×FY 2018: -1.6×FY 2019: -1.7×FY 2020: -1.7×FY 2021: -5.7×FY 2022: 0.9×FY 2023: -1.9×FY 2024: -4.7×FY 2025: 4.5×
FY 2016 5y median -1.9× FY 2025
Interest Coverage 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 1.7%FY 2021: 0.0%FY 2022: 1.1%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 14.9%FY 2021: 0.0%FY 2022: -5.7%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31