NI HOLDINGS INC (NODK) Fundamental Analysis & Valuation

NASDAQ:NODK • US65342T1060

Current stock price

12.64 USD
-0.27 (-2.09%)
Last:

This NODK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. NODK Profitability Analysis

1.1 Basic Checks

  • NODK had negative earnings in the past year.
  • In the past year NODK has reported a negative cash flow from operations.
  • In the past 5 years NODK reported 4 times negative net income.
  • The reported operating cash flow has been mixed in the past 5 years: NODK reported negative operating cash flow in multiple years.
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 2025 0 20M -20M 40M -40M -60M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -2.06%, NODK is doing worse than 85.14% of the companies in the same industry.
  • NODK has a Return On Equity of -4.33%. This is amonst the worse of the industry: NODK underperforms 83.78% of its industry peers.
Industry RankSector Rank
ROA -2.06%
ROE -4.33%
ROIC N/A
ROA(3y)-1.35%
ROA(5y)-2.28%
ROE(3y)-3.01%
ROE(5y)-5.55%
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 2025 0 10 -10 -20

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for NODK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
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 2025 0 10 -10 -20

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5

2. NODK Health Analysis

2.1 Basic Checks

  • NODK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, NODK has less shares outstanding
  • Compared to 5 years ago, NODK has less shares outstanding
  • The debt/assets ratio for NODK has been reduced compared to a year ago.
NODK Yearly Shares OutstandingNODK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200M 400M 600M

2.2 Solvency

  • There is no outstanding debt for NODK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.97%
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 2025 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 2025 20M 40M 60M 80M 100M

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

0

3. NODK Growth Analysis

3.1 Past

  • The earnings per share for NODK have decreased strongly by -60.26% in the last year.
  • The Revenue for NODK has decreased by -16.27% in the past year. This is quite bad
  • NODK shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.46% yearly.
EPS 1Y (TTM)-60.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-132.11%
Revenue 1Y (TTM)-16.27%
Revenue growth 3Y-4.26%
Revenue growth 5Y-1.46%
Sales Q2Q%-19.05%

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 2025 100M 200M 300M

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1

4. NODK Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for NODK. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
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 0 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 somewhat cheap valuation: NODK is cheaper than 77.70% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 4.44
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

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

0

5. NODK Dividend Analysis

5.1 Amount

  • No dividends for NODK!.
Industry RankSector Rank
Dividend Yield 0%

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NODK Fundamentals: All Metrics, Ratios and Statistics

NI HOLDINGS INC

NASDAQ:NODK (3/27/2026, 12:44:08 PM)

12.64

-0.27 (-2.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-11
Earnings (Next)05-07
Inst Owners25.33%
Inst Owner Change0.19%
Ins Owners6.24%
Ins Owner Change0.69%
Market Cap259.63M
Revenue(TTM)284.66M
Net Income(TTM)-10.41M
Analysts0
Price TargetN/A
Short Float %0.46%
Short Ratio2.35
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 N/A
Fwd PE N/A
P/S 0.91
P/FCF N/A
P/OCF N/A
P/B 1.08
P/tB 1.08
EV/EBITDA 4.44
EPS(TTM)-0.5
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.75
FCFYN/A
OCF(TTM)-0.74
OCFYN/A
SpS13.86
BVpS11.7
TBVpS11.7
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -2.06%
ROE -4.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-1.35%
ROA(5y)-2.28%
ROE(3y)-3.01%
ROE(5y)-5.55%
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 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.56
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0
Cap/Depr 0.36%
Cap/Sales 0.08%
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-Score3
WACC8.97%
ROIC/WACCN/A
Cap/Depr(3y)0.9%
Cap/Depr(5y)1.09%
Cap/Sales(3y)0.19%
Cap/Sales(5y)0.23%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-60.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-132.11%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-16.27%
Revenue growth 3Y-4.26%
Revenue growth 5Y-1.46%
Sales Q2Q%-19.05%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-209.5%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-190.65%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-184.48%
OCF growth 3YN/A
OCF growth 5YN/A

NI HOLDINGS INC / NODK Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 2 / 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 0 / 10.