NODK (NI Holdings) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NODK NI Holdings Inc NODK
67 GF Score
Price $15.72
GF Value $14.12
Valuation Modestly Overvalued
! 4 Warning Signs
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What is NI Holdings Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

NI Holdings Quality Rank Related Terms

NODK
67GF Score
NI Holdings Inc NODK
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is NI Holdings (NODK) Overvalued in 2026?

Based on GuruFocus' analysis, NI Holdings stock appears to be overvalued. The current stock price of $15.72 is trading 11.3% above its estimated GF Value™ of $14.12. GuruFocus considers NI Holdings to be Modestly Overvalued.

Key valuation signals for NODK:

  • Quality Rank:
  • GF Value™: $14.12 vs. price of $15.72 (11.3% above fair value)
  • GF Score™: 67/100 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

Address 1101 First Avenue North, Fargo, ND, USA, 58102
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.
67GF Score

Get the complete analysis for NODK

Quality Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.72
Price
$14.12
GF Value