Stocktoria
NI Holdings, Inc. NODK
NI Holdings, Inc. (NODK) earns a Piotroski F-score of 1/9 (weak financial health). It pays a dividend yielding 2.01% (safety: safe). FY2025 revenue was $285.1M at a -3.7% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 1/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| NODK | NI Holdings, Inc. | 1/9 | — | — | -12.3% |
| AII | American Integrity Insurance Group, Inc. | 6/9 | — | 3.7 | +35.3% |
| AMSF | AMERISAFE INC | 4/9 | — | 13.4 | +2.7% |
| ACIC | AMERICAN COASTAL INSURANCE Corp | 4/9 | — | 5.1 | +13.1% |
| KINS | KINGSTONE COMPANIES, INC. | 6/9 | — | 6.5 | +38.5% |
| ASIC | Ategrity Specialty Insurance Co Holdings | 4/9 | — | 15.4 | +23.4% |
| KWY | KINGSWAY Corp | 1/9 | -5.43 | — | +23.4% |
All Finance, Insurance & Real Estate companies →
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.
FAQ
Is NODK financially healthy?
NI Holdings, Inc.'s Piotroski F-score is 1/9 (8–9 is excellent, 0–3 weak).
Does NODK pay a dividend, and is it safe?
Yes. NI Holdings, Inc. pays a dividend yielding about 2.01% with a -64.6% payout ratio, rated “safe” for safety.
How profitable is NODK?
In FY2025, NI Holdings, Inc. had a net margin of -3.7% and a return on equity of -4.3%.
Is NODK overvalued or undervalued?
NI Holdings, Inc. trades at about 39.4× trailing earnings — above its 10-year norm (10-year range 9.2×–49.5×, median 12.9×). Stocktoria reports the data, not buy/sell advice.
Is NODK a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on NI Holdings, Inc.: a Piotroski F-score of 1/9, a dividend yield of 2.01%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.