NODK

NI Holdings Inc

NASDAQ: NODK · FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY

$13.37

+1.53% today

Updated 2026-06-04

Market cap

$308.04M

P/E ratio

—

P/S ratio

1.13x

EPS (TTM)

$-0.21

Dividend yield

—

52W range

$12 – $15

Volume

0.0M

Market cap

$308.04M

P/E ratio

—

P/S ratio

1.13x

EPS (TTM)

$-0.21

Dividend yield

—

52W range

$12 – $15

Volume

0.0M

WallStSmart proprietary scores

out of 100

Grade: C

Sell

Investment rating

5.3

Growth

C+

5.3

Quality

C+

4.0

Profitability

5.0

Valuation

C+

4/9

Piotroski F-Score

Moderate

1.6

Altman Z-Score

Distress

—

Industry rank

—

View all highly rated stocks (75+) →202 stocks currently score above 75

Price targets

Analyst target

—

12-Month target

—

Intrinsic (DCF)

—

Margin of safety

—

Price chart

Stock snapshot

Strengths

Insufficient data

Risks

- Altman Z 1.60 — distress zone

- Thin margins at -1.60%

- Negative free cash flow $-1.91M

- Revenue declining -16.60% QoQ

Key financials

Revenue Net Income Free Cash Flow

Metric	2022	2023	2024	2025	TTM
Revenue	$267.78M	$304.02M	$325.20M	$285.05M	$273.22M
Net income	$-53.10M	$-5.48M	$-6.06M	$-10.41M	$12.51M
EPS	—	—	—	—	$-0.21
Free cash flow	$-31.55M	$25.00M	$37.52M	$1.79M	$-1.91M
Profit margin	-19.83%	-1.80%	-1.86%	-3.65%	-1.60%

Recent insider activity

Date	Insider	Type	Shares	Price
2026-05-20	THOMAS, CALLIE JEAN	Buy	5,015	—
2026-05-20	STENDE, DAVE L.	Buy	5,015	—
2026-05-20	MISSLING, JEFFREY R.	Buy	5,015	—

Peer comparison

Company	Mkt Cap	Score	Growth	Profit	Value	Quality	MoS	Rating
NODK	$308.04M	45	5.3	4.0	5.0	5.3	—	Hold
BRK-B	$1.02T	62	6.7	6.5	5.0	8.0	—	Buy
BRK-A	$1.02T	61	6.7	6.5	5.0	7.0	—	Buy
JPM	$806.43B	73	8.0	8.0	5.7	3.0	—	Strong Buy
V	$603.46B	74	8.7	10.0	5.7	5.5	—	Strong Buy
MA	$422.07B	70	8.0	10.0	5.0	5.5	—	Strong Buy

Smart narrative

NI Holdings Inc trades at $13.37. Our Smart Value Score of 45/100 indicates the stock is fair. The company scores 4/9 on the Piotroski F-Score. With an Altman Z-Score of 1.60, it sits in the distress. TTM revenue stands at $273.22M. with profit margins at -1.60%.

Frequently asked questions

What is NI Holdings Inc's stock price?

NI Holdings Inc (NODK) trades at $13.37, on a P/S of 1.1x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.

Is NI Holdings Inc overvalued?

NI Holdings Inc carries a Smart Value Score of 45/100 (Grade C), which we rate Sell. That score blends growth, quality, and valuation into one read.

What is NI Holdings Inc's revenue?

NI Holdings Inc's trailing twelve-month revenue is $273.22M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.

Altman Z-Score?

NI Holdings Inc's Altman Z-Score is 1.60, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.

Company info

SectorFINANCIAL SERVICES

IndustryINSURANCE - PROPERTY & CASUALTY

CountryUSA

ExchangeNASDAQ

CurrencyUSD

Quick metrics

P/S ratio1.13x

ROE-1.74%

Beta0.38

50D MA$13.38

200D MA$13.39

Shares out0.02B

Float0.00B

Short ratio—

Avg volume0.0M

Performance

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YTD—

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