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NI

NAQ:NODK · US65342T1060
InsuranceSmall

360

24
Medium confidence — indicative
Profit price—
Owner Earnings Yield1
Dividend Yield1
Price/Sales60
Price/Book65
Returns on capital6
Profit margins6
Accruals85
Owner Earnings Margin6
Sales growth7
Profit Growth4
Long-Term EPS Growth4
Owner Earnings Growth4
Reinvestment58
Price momentum83
Debt load100
Debt serviceability27
Liquidity1
Analyst ratings—
Expectations trend—
Market mood7
Value Creation0/20not creating value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

NI doesn't consistently earn more than its cost of capital, so it isn't yet creating shareholder value.

Profile

CountryUSA
IndustryInsurance
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded2016
Websiteniholdingsinc.com
ISINUS65342T1060
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)

Description

NI Holdings, Inc. (NI Holdings), through its subsidiary, Nodak Insurance Company (Nodak Insurance), operates as a property and casualty insurance company based in North Dakota. The company is a subsidiary of Nodak Mutual Group, Inc. Subsidiary and…

Analysis

Weak and unloved

NI Holdings, Inc. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

Valuation data is not available for this company.

The trajectory is tepid and the balance sheet is sturdy. The company scores 0/20 on our value-creation score: not creating value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
6
2026

All-time high

6

Jun 2026

All-time low

4

Mar 2026

Average rank

5

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
60
—
—
54
Price/Earnings
1
—
—
10
Price/Book
65
—
—
72
Dividend Yield
1
—
—
1
Value (overall)
44
—
—
33

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →