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NASDAQ · Insurance - Property & Casualty · USD

NI Holdings, Inc. (NODK) Stock Analysis

NI Holdings, Inc. (NODK) is a Insurance - Property & Casualty stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

NODK

$14.62

−$0.13 (−0.88%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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NODK Key Statistics

As of Oct 21, 2026
Trading
Open
$14.75
Previous Close
$14.75
Day's Range
14.55–14.87
52-Week Range
12.37–16.70
Volume
19.77K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.31
Valuation
Market Cap
$298.32M
P/E Ratio
38.47
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
1.12
EPS (ttm)Profit attributable to each share over the last twelve months.
0.38
Financials (FY)
Revenue (FY)
$285.05M−12.35%
Net Income (FY)
−$10.41M
Profit marginThe share of revenue left as profit after all costs and taxes.
2.93%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
20.40M
1-Year Return
+7.98%
Dividend and dates
Earnings Date
November 6, 2026estimated
Avg Volume
26.33K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, NODK closed at $14.62, +7.98% over 1 year.

NI Holdings, Inc. (NODK) has a market capitalization of $298.32M.

In fiscal 2025, NODK reported revenue of $285.05M.

NODK Stock Return by Calendar Year

NI Holdings, Inc. (NODK) return since Mar 2017: what $10,000 became

1 year
$10,000 $10,798
+7.98%
5 years
$10,000 $7,285
−27.15%
Since Mar 2017
$10,000 $9,912
−0.88%

If you had invested $10,000 in NI Holdings, Inc. (NODK) at the close on March 16, 2017, the earliest close on record here, it would have been worth $9,912 at the close on October 21, 2026: −0.88% in total, −0.09% a year, over a partial period shorter than 10 years. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+9.92%
2025−15.29%
2024+20.86%
2023−2.11%
2022−29.83%
2021+15.16%
2020−4.53%
2019+9.35%
2018−7.36%
2017 (partial year)+15.12%

As of October 21, 2026.

NODK Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$285.05M−$10.41M−3.7%
2024$325.20M−$6.06M−1.9%
2023$304.02M−$5.48M−1.8%
2022$267.78M−$53.10M−19.8%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$285.05M——−$10.41M−3.7%
2024$325.20M——−$6.06M−1.9%
2023$304.02M——−$5.48M−1.8%
2022$267.78M——−$53.10M−19.8%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

NODK Valuation vs Insurance - Property & Casualty Median

Median of 48 stocks
MetricNODKInsurance - Property & Casualty medianvs median
P/E38.4711.133.5x the median
P/S ratio1.121.4523% below
Profit margin2.93%11.77%8.8 pts below

Medians across 48 Insurance - Property & Casualty stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Analysis

Data-derived

Company Overview

The market values NI Holdings, Inc. (NODK) at $298.32M. The company sits in the Financial Services sector, in the Insurance - Property & Casualty industry. The company reports 166 employees.

NODK last closed at $14.62 on October 21, 2026. That is −$0.13 (−0.88%) against the previous close. Over the past 52 weeks the price has ranged from $12.37 to $16.70. The latest close sits 18.19% above that 52-week low.

Financial Health

The most recent full year on file, fiscal 2025, shows revenue of $285.05M. Against the prior fiscal year total of $325.20M, that is a change of −12.35%. The same year closed with a net loss of $10.41M. Profit margin runs at 2.93%. That is 8.8 percentage points below the Insurance - Property & Casualty median of 11.77%. Earnings per share on a trailing basis come to 0.38.

Across the 4 fiscal years on file, revenue moves from $267.78M in 2022 to $285.05M in 2025. Of those 4 years, 0 report positive net income.

Valuation Assessment

NODK trades at a trailing price-to-earnings ratio of 38.47. That is 3.5 times the Insurance - Property & Casualty median of 11.13. Measured against sales, the shares trade at 1.12 times revenue. On price-to-sales that is 22.81% below the Insurance - Property & Casualty median of 1.45. 48 Insurance - Property & Casualty companies report these metrics, and the medians quoted come from that group.

The reported beta is 0.31. Daily returns over the trailing 9 years annualize to a volatility of 30.12%. Over the trailing twelve months the total return is +7.98%. Measured over 5 years, that is −6.14% a year compounded.

Growth & Income

The record shows no dividend for NODK.

The strongest complete calendar year on file is 2024 at +20.86%; the weakest is 2022 at −29.83%. Of the 8 complete calendar years on file, 3 finished higher. 2026 is still running; the total return is +9.92% year to date.

Peer Comparison

NI Holdings, Inc. (NODK) operates in the Insurance - Property & Casualty industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
NI Holdings, Inc. NODK $298.32M 38.5
Chubb Limited CB $138.81B 12.7
The Progressive Corporation PGR $128.47B 11.2
The Travelers Companies, Inc. TRV $83.21B 10.5

The Insurance - Property & Casualty industry average P/E ratio is 11.1x. NI Holdings, Inc. trades at a P/E of 38.5.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About NI Holdings, Inc.

NI Holdings, Inc., together with its subsidiaries, underwrites property and casualty insurance products in the United States. Its products include private passenger auto, homeowners, farm owners, commercial multi-peril, crop hail, excess liability, dwelling, and federal multi-peril crop insurance policies, as well as non-standard automobile insurance policies. The company was founded in 1946 and is headquartered in Fargo, North Dakota. NI Holdings, Inc. is a subsidiary of Nodak Mutual Group, Inc.

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