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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash-to-Debt No Debt
NODK's Cash-to-Debt is ranked higher than
61% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. NODK: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
NODK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.56  Med: No Debt Max: No Debt
Current: No Debt
Equity-to-Asset 0.56
NODK's Equity-to-Asset is ranked higher than
96% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. NODK: 0.56 )
Ranked among companies with meaningful Equity-to-Asset only.
NODK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.46  Med: 0.55 Max: 0.66
Current: 0.56
0.46
0.66
Interest Coverage No Debt
NODK's Interest Coverage is ranked higher than
66% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 31.75 vs. NODK: No Debt )
Ranked among companies with meaningful Interest Coverage only.
NODK' s Interest Coverage Range Over the Past 10 Years
Min: No Debt  Med: No Debt Max: No Debt
Current: No Debt
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

vs
industry
vs
history
Operating Margin % 3.44
NODK's Operating Margin % is ranked lower than
83% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.66 vs. NODK: 3.44 )
Ranked among companies with meaningful Operating Margin % only.
NODK' s Operating Margin % Range Over the Past 10 Years
Min: 3.44  Med: 14.67 Max: 17.68
Current: 3.44
3.44
17.68
Net Margin % 2.79
NODK's Net Margin % is ranked lower than
82% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.62 vs. NODK: 2.79 )
Ranked among companies with meaningful Net Margin % only.
NODK' s Net Margin % Range Over the Past 10 Years
Min: 2.77  Med: 10 Max: 11.93
Current: 2.79
2.77
11.93
ROE % 2.61
NODK's ROE % is ranked lower than
85% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.79 vs. NODK: 2.61 )
Ranked among companies with meaningful ROE % only.
NODK' s ROE % Range Over the Past 10 Years
Min: 2.61  Med: 10.41 Max: 12.52
Current: 2.61
2.61
12.52
ROA % 1.42
NODK's ROA % is ranked lower than
74% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. NODK: 1.42 )
Ranked among companies with meaningful ROA % only.
NODK' s ROA % Range Over the Past 10 Years
Min: 1.42  Med: 5.57 Max: 6.9
Current: 1.42
1.42
6.9
GuruFocus has detected 1 Warning Sign with NI Holdings Inc $NODK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NODK's 30-Y Financials

Financials (Next Earnings Date: 2017-11-11 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

NODK Guru Trades in

NODK Guru Trades in

Q1 2017

NODK Guru Trades in Q1 2017

Michael Price 258,750 sh (New)
» More
Q2 2017

NODK Guru Trades in Q2 2017

Michael Price 258,750 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with NODK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2017-03-31 New Buy0.48%$14.39 - $14.93 $ 17.3019%258,750
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NYSE:HCI, NAS:DGICB, NAS:BWINB, NYSE:HRTG, NAS:AFH, NAS:HALL, NAS:EMCI, NAS:FNHC, NAS:NMIH, NAS:UIHC, NAS:UNAM, NAS:CNFR, NAS:PIH, NYSE:UVE, NAS:NSEC, NAS:KNSL, NYSE:STC, NAS:SNC, NAS:IPCC, NAS:STFC » details
Headquarter Location:USA
NI Holdings Inc is a stock holding company of Nodak Mutual Insurance company and its subsidiaries. The firm and its subsidiaries provide insurance related to auto, home, life and annuities, business, farm and ranch and crop and casualty.

NI Holdings Inc is a stock holding company of Nodak Mutual Insurance company and its subsidiaries. The firm and its subsidiaries provide insurance related to auto, home, life and annuities, business, farm and ranch and crop and casualty. Its services and products also include data breach and identity theft services and financial products. The company has Multi-peril crop and hail, Non-standard Auto and Other property and casualty coverages primary insurance product lines.

Ratios

vs
industry
vs
history
PE Ratio 78.63
NODK's PE Ratio is ranked lower than
96% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. NODK: 78.63 )
Ranked among companies with meaningful PE Ratio only.
NODK' s PE Ratio Range Over the Past 10 Years
Min: 68.62  Med: 77.91 Max: 83.82
Current: 78.63
68.62
83.82
PE Ratio without NRI 78.63
NODK's PE Ratio without NRI is ranked lower than
97% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.50 vs. NODK: 78.63 )
Ranked among companies with meaningful PE Ratio without NRI only.
NODK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 68.62  Med: 77.91 Max: 83.82
Current: 78.63
68.62
83.82
PB Ratio 1.62
NODK's PB Ratio is ranked lower than
70% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.35 vs. NODK: 1.62 )
Ranked among companies with meaningful PB Ratio only.
NODK' s PB Ratio Range Over the Past 10 Years
Min: 1.35  Med: 1.57 Max: 1.72
Current: 1.62
1.35
1.72
PS Ratio 2.01
NODK's PS Ratio is ranked lower than
77% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.16 vs. NODK: 2.01 )
Ranked among companies with meaningful PS Ratio only.
NODK' s PS Ratio Range Over the Past 10 Years
Min: 1.64  Med: 1.92 Max: 2.14
Current: 2.01
1.64
2.14
Price-to-Operating-Cash-Flow 961.11
NODK's Price-to-Operating-Cash-Flow is ranked lower than
99.99% of the 96 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.55 vs. NODK: 961.11 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NODK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 895.56  Med: 967.78 Max: 1024.44
Current: 961.11
895.56
1024.44
EV-to-EBIT 61.17
NODK's EV-to-EBIT is ranked lower than
98% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.53 vs. NODK: 61.17 )
Ranked among companies with meaningful EV-to-EBIT only.
NODK' s EV-to-EBIT Range Over the Past 10 Years
Min: 57.8  Med: 65.05 Max: 82.3
Current: 61.17
57.8
82.3
EV-to-EBITDA 54.55
NODK's EV-to-EBITDA is ranked lower than
100% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.69 vs. NODK: 54.55 )
Ranked among companies with meaningful EV-to-EBITDA only.
NODK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 51.5  Med: 57.7 Max: 71.4
Current: 54.55
51.5
71.4
EV-to-Revenue 2.11
NODK's EV-to-Revenue is ranked lower than
74% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. NODK: 2.11 )
Ranked among companies with meaningful EV-to-Revenue only.
NODK' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.3  Med: 2 Max: 2.3
Current: 2.11
1.3
2.3

Buy Back

vs
industry
vs
history

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.63
NODK's Price-to-Tangible-Book is ranked lower than
56% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. NODK: 1.63 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NODK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.41  Med: 1.55 Max: 1.69
Current: 1.63
1.41
1.69
Price-to-Median-PS-Value 1.04
NODK's Price-to-Median-PS-Value is ranked lower than
57% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. NODK: 1.04 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NODK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.88  Med: 0.98 Max: 1.08
Current: 1.04
0.88
1.08
Price-to-Graham-Number 2.39
NODK's Price-to-Graham-Number is ranked lower than
94% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. NODK: 2.39 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NODK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 2.11  Med: 2.29 Max: 2.47
Current: 2.39
2.11
2.47
Earnings Yield (Greenblatt) % 1.63
NODK's Earnings Yield (Greenblatt) % is ranked lower than
90% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.47 vs. NODK: 1.63 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NODK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.2  Med: 1.5 Max: 1.7
Current: 1.63
1.2
1.7

More Statistics

Revenue (TTM) (Mil) $176.43
EPS (TTM) $ 0.22
Short Percentage of Float4.41%
52-Week Range $14.00 - 18.80
Shares Outstanding (Mil)22.31

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