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Upturn AI SWOT - About
NI Holdings Inc (NODK)
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Upturn Advisory Summary
10/17/2025: NODK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 5.44% | Avg. Invested days 61 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 275.08M USD | Price to earnings Ratio 45.83 | 1Y Target Price - |
Price to earnings Ratio 45.83 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.38 | 52 Weeks Range 12.01 - 17.24 | Updated Date 06/29/2025 |
52 Weeks Range 12.01 - 17.24 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.29 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -1.87% | Operating Margin (TTM) 10.85% |
Management Effectiveness
Return on Assets (TTM) 1.22% | Return on Equity (TTM) 2.4% |
Valuation
Trailing PE 45.83 | Forward PE - | Enterprise Value 217882048 | Price to Sales(TTM) 0.85 |
Enterprise Value 217882048 | Price to Sales(TTM) 0.85 | ||
Enterprise Value to Revenue 0.68 | Enterprise Value to EBITDA - | Shares Outstanding 20698600 | Shares Floating 5349960 |
Shares Outstanding 20698600 | Shares Floating 5349960 | ||
Percent Insiders 67.44 | Percent Institutions 25.15 |
Upturn AI SWOT
NI Holdings Inc
Company Overview
History and Background
NI Holdings, Inc. was founded in 1924 as Northwest Mutual Fire Association. It evolved over the years, becoming a property-casualty insurance holding company with a focus on niche markets.
Core Business Areas
- Commercial Lines Insurance: Provides property and casualty insurance solutions to businesses, including commercial auto, general liability, and workers' compensation.
- Personal Lines Insurance: Offers personal auto, homeowners, and other personal lines insurance products.
- Specialty Insurance: Focuses on niche insurance products and services such as agriculture insurance.
Leadership and Structure
NI Holdings Inc. operates with a board of directors and an executive leadership team led by the CEO. The organizational structure includes various departments such as underwriting, claims, finance, and IT.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for commercial vehicles. Market share is estimated to be small single digits. Competitors include Progressive (PGR) and Travelers (TRV).
- Homeowners Insurance: Offers coverage for personal residences. Market share is estimated to be small single digits. Competitors include State Farm and Allstate (ALL).
- Workers' Compensation Insurance: Provides coverage for employee injuries and illnesses. Market share is estimated to be small single digits. Competitors include The Hartford (HIG) and Liberty Mutual.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to regulatory changes. Factors influencing the industry include economic conditions, natural disasters, and interest rates.
Positioning
NI Holdings Inc. focuses on niche markets within the property and casualty insurance industry, which allows for specialization and potentially higher margins. Their competitive advantage lies in their specialized underwriting expertise.
Total Addressable Market (TAM)
The property and casualty insurance market is estimated to be hundreds of billions of dollars annually. NI Holdings Inc. is positioned to capture a small percentage of this TAM through its niche focus.
Upturn SWOT Analysis
Strengths
- Specialized underwriting expertise
- Strong regional presence
- Focus on niche markets
- Established distribution network
Weaknesses
- Smaller market share compared to larger competitors
- Limited brand recognition
- Exposure to regional economic downturns
- Dependence on independent agents
Opportunities
- Expansion into new geographic regions
- Development of new insurance products
- Acquisition of smaller insurance companies
- Leveraging technology for improved efficiency
Threats
- Increased competition from larger insurance companies
- Catastrophic events leading to significant claims
- Changes in regulatory environment
- Economic downturn impacting premium revenue
Competitors and Market Share
Key Competitors
- TRV
- ALL
- PGR
- HIG
- WRB
Competitive Landscape
NI Holdings Inc. faces stiff competition from larger, more established players. Their niche focus provides some differentiation, but they must continually innovate to maintain their competitive edge.
Major Acquisitions
Columbia Insurance Group
- Year: 2007
- Acquisition Price (USD millions): 64
- Strategic Rationale: Expand into the Midwest market and diversify their product portfolio.
Growth Trajectory and Initiatives
Historical Growth: Growth trends over the past years would be described, along with numerical data for key indicators.
Future Projections: Projections for future growth based on analyst estimates, including revenue and earnings growth. Numerical Data would be used.
Recent Initiatives: Recent strategic initiatives undertaken, such as new product launches or expansion efforts.
Summary
NI Holdings Inc. is a smaller player in the competitive P&C insurance market, focusing on niche segments to maintain profitability. Its specialized underwriting and regional presence are strengths, but limited brand recognition and reliance on independent agents pose challenges. Future growth depends on successful expansion and innovation, while navigating competitive pressures and regulatory changes will be critical.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Industry reports
- Analyst estimates
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data may be estimated. Financial data may be based on past performance and is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About NI Holdings Inc
Exchange NASDAQ | Headquaters Fargo, ND, United States | ||
IPO Launch date 2017-03-16 | President, CEO & Director Mr. Seth Christopher Daggett CPA | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 202 | Website https://www.niholdingsinc.com |
Full time employees 202 | Website https://www.niholdingsinc.com | ||
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, 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. operates as a subsidiary of Nodak Mutual Group, Inc.
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