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Upturn AI SWOT - About
NI Holdings Inc (NODK)
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Upturn Advisory Summary
06/27/2025: NODK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $
1 Year Target Price $
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 10.45% | Avg. Invested days 87 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/27/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
NI Holdings Inc
Company Overview
History and Background
NI Holdings, Inc., founded in 1908 as Northwestern Mutual Fire Association, has evolved from a regional fire insurance provider to a diversified holding company. Significant milestones include expansion into new insurance lines, acquisitions, and rebranding as NI Holdings in 2007. The company has grown through organic growth and strategic acquisitions.
Core Business Areas
- Property and Casualty Insurance: Provides a range of property and casualty insurance products, including personal and commercial lines. This is the core segment of the business.
- Reinsurance: Offers reinsurance solutions to other insurance companies, providing coverage against large losses.
Leadership and Structure
The company is led by a board of directors and executive management team. The organizational structure includes various departments responsible for underwriting, claims, finance, and marketing. Jeff Simpson is the current Chairman and CEO.
Top Products and Market Share
Key Offerings
- Personal Auto Insurance: Covers damages or injuries caused by the insured while operating their vehicle. Market share information for NI Holdings as a whole is more readily available, but individual product level market share is not. Competitors include Progressive (PGR), GEICO (BRK.A), and State Farm (Private).
- Homeowners Insurance: Provides coverage for damage or loss to a home and its contents. Market share information for NI Holdings as a whole is more readily available, but individual product level market share is not. Competitors include State Farm (Private), Allstate (ALL), and Liberty Mutual (Private).
- Commercial Property Insurance: Provides insurance to cover business's property if damaged, stolen or lost. Market share information for NI Holdings as a whole is more readily available, but individual product level market share is not. Competitors include Chubb (CB), AIG (AIG), and Travelers Companies (TRV).
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and influenced by factors such as weather events, economic conditions, and regulatory changes. Technological advancements are also playing an increasing role.
Positioning
NI Holdings is a regional player with a focus on select markets. Its competitive advantages include a strong distribution network, local market expertise, and financial stability.
Total Addressable Market (TAM)
The total addressable market for property and casualty insurance in the US is estimated to be in the hundreds of billions of dollars annually. NI Holdings has a relatively small portion of this TAM, with opportunities to expand its market share.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diversified product portfolio
- Solid financial performance
Weaknesses
- Smaller market share compared to national players
- Limited brand recognition outside of core markets
- Vulnerability to catastrophic events
Opportunities
- Expansion into new geographic markets
- Acquisition of smaller insurance companies
- Development of new insurance products
- Leveraging technology for efficiency gains
Threats
- Increased competition from larger insurance companies
- Rising claims costs due to inflation and extreme weather
- Regulatory changes
- Economic downturns
Competitors and Market Share
Key Competitors
- ALL
- TRV
- CB
Competitive Landscape
NI Holdings competes with larger, national insurance companies. Its advantages include a strong regional presence and local market expertise. Disadvantages include limited brand recognition and smaller market share.
Major Acquisitions
American Merchants Casualty Company
- Year: 2015
- Acquisition Price (USD millions): 32.5
- Strategic Rationale: Expanded NI Holdings' presence in the specialty commercial insurance market.
Growth Trajectory and Initiatives
Historical Growth: NI Holdings' historical growth has been driven by organic growth and strategic acquisitions. Past performance data is needed for a precise analysis.
Future Projections: Future growth projections depend on various factors, including market conditions, competition, and the company's strategic initiatives. Analyst estimates require access to such resources.
Recent Initiatives: Recent strategic initiatives could include expanding into new markets, launching new products, or implementing new technologies.
Summary
NI Holdings is a regional property and casualty insurance company with a long history. It has a solid financial performance and a diversified product portfolio, but it faces competition from larger national players. Strategic acquisitions and expansion into new markets could drive future growth, but rising claims costs and regulatory changes pose potential challenges.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website, SEC Filings, Market Research Reports, Analyst Reports (Hypothetical)
Disclaimers:
This analysis is based on publicly available information and analyst estimates (hypothetical). It is not financial advice. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor.
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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