NI Holdings, Inc.
NODKFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned Oct 24, 2026
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Daily timeframeNI Holdings, Inc., together with its subsidiaries, underwrites property and casualty insurance products in the United States. At a $304.0M market cap, NI Holdings, Inc. ranks as a small-cap company within financial services. 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.
Market Cap
$304.0M
Beta
0.31
P/E (TTM)
39.21
P/E (Fwd)
—
EPS (TTM)
$0.38
EPS (Fwd)
—
ROE
3.2%
ROA
1.2%
Cash
$51.6M
Total Debt
$1.2M
Free CF
$20.7M
52W Change
9.2%
Annual Financials
Cash vs Debt
Where NODK stands vs its 150-day and 200-day moving averages
As of the October 13, 2026 close, NODK finished 2.34% above its 150-day moving average ($14.52) and 4.43% above its 200-day moving average ($14.23). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is NODK overbought or oversold?
At the October 13, 2026 close, NODK's RSI(14) was 45.0, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
NI Holdings, Inc. holds $51.6M in cash against $1.2M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. The company generates $20.7M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. ROE of 3.2% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.2% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $267.8M (2022) to $285.1M (2025).
NODK's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. With cash comfortably exceeding debt, NODK has financial flexibility that may help navigate uncertain periods. No single metric tells the full story. Reviewing NODK's risk profile alongside its fundamentals and technical indicators provides a more complete picture.