NODK (NI Holdings) LT-Debt-to-Total-Asset: 0.00 (As of Mar. 2026)

What is NI Holdings LT-Debt-to-Total-Asset?

NI Holdings NODK -1.99% 66 LT-Debt-to-Total-Asset is 0.00 as of Mar. 2026. GuruFocus rates NODK with a GF Score™ of 66/100 and a GF Value™ of $14.12 (Modestly Overvalued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. NI Holdings's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.00.

NI Holdings's long-term debt to total assets ratio stayed the same from Mar. 2025 (0.00) to Mar. 2026 (0.00).

NI Holdings (NAS:NODK) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

NI Holdings LT-Debt-to-Total-Asset Related Terms

NI Holdings LT-Debt-to-Total-Asset Historical Data

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The historical data trend for NI Holdings's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

NI Holdings LT-Debt-to-Total-Asset Chart

NI Holdings Annual Data

Trend

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LT-Debt-to-Total-Asset

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0.00

NI Holdings Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.00	0.00	0.00	0.00	0.00

66GF Score

NI Holdings Inc NODK

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NI Holdings LT-Debt-to-Total-Asset Calculation

NI Holdings's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	0	/	506.002
	=	0.00

NI Holdings's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	0	/	492.109
	=	0.00

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.00 mean?

NI Holdings (NODK) has a LT-Debt-to-Total-Asset of 0.00 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on NI Holdings and its competitors.

Is NI Holdings' LT-Debt-to-Total-Asset too high?

NI Holdings' current LT-Debt-to-Total-Asset is 0.00. Overall, NI Holdings has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does NI Holdings' LT-Debt-to-Total-Asset compare to GBLI and AII?

NI Holdings' LT-Debt-to-Total-Asset of 0.00 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for an Insurance company?

A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on NI Holdings and its competitors. NI Holdings's current LT-Debt-to-Total-Asset is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is NI Holdings stock overvalued right now?

Based on GuruFocus' analysis, NI Holdings (NODK) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.12, compared to a current price of $15.77 — trading 11.7% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.00. NI Holdings' overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For NI Holdings (NODK), the current LT-Debt-to-Total-Asset is 0.00 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is NI Holdings (NODK) Overvalued in 2026?

Based on GuruFocus' analysis, NI Holdings stock appears to be overvalued. The current stock price of $15.77 is trading 11.7% above its estimated GF Value™ of $14.12. GuruFocus considers NI Holdings to be Modestly Overvalued.

Key valuation signals for NODK:

LT-Debt-to-Total-Asset: 0.00
GF Value™: $14.12 vs. price of $15.77 (11.7% above fair value)
GF Score™: 66/100 with 4 warning signs

No single metric tells the full story. See the NODK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NI Holdings Business Description

Industry Financial Services Insurance

Comparable Companies GBLI AII KINS ACIC FIGP PRHI HIPO DGICA HRTG ROOT CB PGR TSE:8766 TRV ALL HKSE:01339 HKSE:02328 TSE:8725 TSX:IFC TSX:FFH

Address 1101 First Avenue North, Fargo, ND, USA, 58102

Website https://www.niholdingsinc.com

NI Holdings Inc is a stockholding company. Through its subsidiaries, the company operates in the insurance industry, offering homeowners and farmowners insurance policies, crop insurance policies, home insurance policies, etc. These insurance products are distributed through a network of exclusive and independent agents across the United States. The group's reportable segments are: Private Passenger Auto, Non-Standard Auto, Home and Farm, Crop, and All Other (which mainly consists of commercial, assumed reinsurance, and its excess liability business). Maximum revenue is generated from the Home and Farm segment.

66GF Score

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$15.77

Price

$14.12

GF Value

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