NI HOLDINGS INC (NODK) Stock Fundamental Analysis

NASDAQ:NODK • US65342T1060

13.28 USD
-0.19 (-1.41%)
Last: Feb 27, 2026, 08:23 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to NODK. NODK was compared to 150 industry peers in the Insurance industry. NODK has a bad profitability rating. Also its financial health evaluation is rather negative. NODK is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • NODK had positive earnings in the past year.
  • In the past year NODK has reported a negative cash flow from operations.
  • The reported net income has been mixed in the past 5 years: NODK reported negative net income in multiple years.
  • Of the past 5 years NODK 4 years had a positive operating cash flow.
NODK Yearly Net Income VS EBIT VS OCF VS FCFNODK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M -40M -60M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.48%, NODK is doing worse than 70.67% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 1.06%, NODK is doing worse than 79.33% of the companies in the same industry.
  • NODK has a Return On Invested Capital (1.33%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.48%
ROE 1.06%
ROIC 1.33%
ROA(3y)-3.54%
ROA(5y)-0.56%
ROE(3y)-8.61%
ROE(5y)-2.33%
ROIC(3y)N/A
ROIC(5y)N/A
NODK Yearly ROA, ROE, ROICNODK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • NODK has a Profit Margin of 0.87%. This is amonst the worse of the industry: NODK underperforms 80.67% of its industry peers.
  • With a Operating Margin value of 2.88%, NODK is not doing good in the industry: 81.33% of the companies in the same industry are doing better.
  • NODK's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 2.88%
PM (TTM) 0.87%
GM N/A
OM growth 3Y-0.51%
OM growth 5Y-22.75%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
NODK Yearly Profit, Operating, Gross MarginsNODK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NODK is destroying value.
  • Compared to 1 year ago, NODK has more shares outstanding
  • NODK has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, NODK has an improved debt to assets ratio.
NODK Yearly Shares OutstandingNODK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
NODK Yearly Total Debt VS Total AssetsNODK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

  • NODK has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
  • NODK has a better Debt to Equity ratio (0.00) than 92.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.15
WACC8.66%
NODK Yearly LT Debt VS Equity VS FCFNODK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NODK Yearly Current Assets VS Current LiabilitesNODK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 126.82% over the past year.
  • Looking at the last year, NODK shows a very negative growth in Revenue. The Revenue has decreased by -16.17% in the last year.
  • The Revenue has been growing slightly by 3.62% on average over the past years.
EPS 1Y (TTM)126.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%39%
Revenue 1Y (TTM)-16.17%
Revenue growth 3Y-0.05%
Revenue growth 5Y3.62%
Sales Q2Q%-12.24%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
NODK Yearly Revenue VS EstimatesNODK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 110.67 indicates a quite expensive valuation of NODK.
  • Based on the Price/Earnings ratio, NODK is valued expensively inside the industry as 81.33% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 27.10. NODK is valued rather expensively when compared to this.
Industry RankSector Rank
PE 110.67
Fwd PE N/A
NODK Price Earnings VS Forward Price EarningsNODK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NODK indicates a rather cheap valuation: NODK is cheaper than 85.33% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 3.45
NODK Per share dataNODK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • NODK does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

NI HOLDINGS INC

NASDAQ:NODK (2/27/2026, 8:23:04 PM)

13.28

-0.19 (-1.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-05
Earnings (Next)03-11
Inst Owners25.07%
Inst Owner Change0.19%
Ins Owners6.28%
Ins Owner Change0%
Market Cap273.70M
Revenue(TTM)299.06M
Net Income(TTM)2.59M
Analysts0
Price TargetN/A
Short Float %0.47%
Short Ratio2.79
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 110.67
Fwd PE N/A
P/S 0.92
P/FCF N/A
P/OCF N/A
P/B 1.12
P/tB 1.12
EV/EBITDA 3.45
EPS(TTM)0.12
EY0.9%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.35
FCFYN/A
OCF(TTM)-0.33
OCFYN/A
SpS14.51
BVpS11.83
TBVpS11.82
PEG (NY)N/A
PEG (5Y)N/A
Graham Number5.65
Profitability
Industry RankSector Rank
ROA 0.48%
ROE 1.06%
ROCE 1.64%
ROIC 1.33%
ROICexc 1.39%
ROICexgc 1.5%
OM 2.88%
PM (TTM) 0.87%
GM N/A
FCFM N/A
ROA(3y)-3.54%
ROA(5y)-0.56%
ROE(3y)-8.61%
ROE(5y)-2.33%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y5.36%
ROICexgc growth 5Y-20.33%
ROICexc growth 3Y6.56%
ROICexc growth 5Y-20.75%
OM growth 3Y-0.51%
OM growth 5Y-22.75%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.55
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0
Cap/Depr 0.66%
Cap/Sales 0.14%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.66%
ROIC/WACC0.15
Cap/Depr(3y)1.35%
Cap/Depr(5y)1.21%
Cap/Sales(3y)0.28%
Cap/Sales(5y)0.25%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)126.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%39%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-16.17%
Revenue growth 3Y-0.05%
Revenue growth 5Y3.62%
Sales Q2Q%-12.24%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-6.43%
EBIT growth 3Y-0.56%
EBIT growth 5Y-19.95%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y26.01%
FCF growth 3Y-15.65%
FCF growth 5Y-6.86%
OCF growth 1Y21.41%
OCF growth 3Y-14.74%
OCF growth 5Y-6.77%

NI HOLDINGS INC / NODK FAQ

Can you provide the ChartMill fundamental rating for NI HOLDINGS INC?

ChartMill assigns a fundamental rating of 1 / 10 to NODK.


Can you provide the valuation status for NI HOLDINGS INC?

ChartMill assigns a valuation rating of 1 / 10 to NI HOLDINGS INC (NODK). This can be considered as Overvalued.


What is the profitability of NODK stock?

NI HOLDINGS INC (NODK) has a profitability rating of 1 / 10.


What is the valuation of NI HOLDINGS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for NI HOLDINGS INC (NODK) is 110.67 and the Price/Book (PB) ratio is 1.12.