NI Holdings, Inc.
NODKFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned Sep 7, 2026
Scan Results
Daily timeframePart of the financial services sector, NI Holdings, Inc. (NODK) is listed under Insurance - Property & Casualty. Valued at $311.4M, NODK is a small-cap name in its sector. 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
$311.4M
Beta
0.35
P/E (TTM)
40.16
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
13.9%
Annual Financials
Cash vs Debt
Where NODK stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, NODK finished 7.80% above its 150-day moving average ($14.23) and 9.18% above its 200-day moving average ($14.05). 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 September 3, 2026 close, NODK's RSI(14) was 50.0, 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.
The balance sheet looks solid with $51.6M in cash comfortably exceeding the $1.2M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. Free cash flow comes in at $20.7M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. Return on equity stands at 3.2%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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).
The relatively low beta of 0.35 suggests NODK is a less volatile holding compared to the broader index. With cash comfortably exceeding debt, NODK has financial flexibility that may help navigate uncertain periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence NI Holdings, Inc.'s trajectory.