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Upturn AI SWOT - About
NI Holdings Inc (NODK)
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Upturn Advisory Summary
09/15/2025: 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 5.52% | Avg. Invested days 56 | 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 09/15/2025 |
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., formerly known as National Interstate Corporation, was founded in 1961. It is an insurance holding company focusing on specialty commercial transportation and niche personal lines.
Core Business Areas
- Specialty Transportation: Provides insurance coverages for commercial vehicles, including motor carriers, tow trucks, and public transportation.
- Niche Personal Lines: Offers insurance products to niche segments, such as recreational vehicles, motorcycles, and manufactured homes.
- Other: This segment includes investment income and other activities.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a publicly traded insurance holding company, with distinct divisions for each business segment.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides liability and physical damage coverage for commercial vehicles. Market share data is difficult to pinpoint exactly due to the fragmented nature of the specialty transportation insurance market, but NI Holdings is a significant player. Competitors include Progressive (PGR), Zurich Insurance Group, and Travelers (TRV).
- Recreational Vehicle Insurance: Offers insurance coverage for RVs, motorcycles, and other recreational vehicles. Specific market share data is unavailable, but the company has a presence in this segment. Competitors include Geico, Progressive (PGR), and Allstate (ALL).
Market Dynamics
Industry Overview
The insurance industry is highly competitive and subject to regulatory oversight. The specialty insurance market is influenced by factors such as economic conditions, transportation trends, and regulatory changes.
Positioning
NI Holdings positions itself as a provider of specialized insurance solutions in niche markets, focusing on underserved segments. Their competitive advantage lies in their expertise in these niche areas and their ability to provide customized coverage.
Total Addressable Market (TAM)
The TAM for specialty insurance is estimated in the billions of dollars. NI Holdings is positioned to capture a portion of this market through its focus on niche segments.
Upturn SWOT Analysis
Strengths
- Expertise in niche insurance markets
- Strong underwriting capabilities
- Established relationships with distributors
- Disciplined approach to risk management
Weaknesses
- Smaller size compared to larger competitors
- Concentration in specific market segments
- Potential for adverse claims development
- Dependence on independent agents
Opportunities
- Expanding into new niche markets
- Leveraging technology to improve efficiency
- Acquiring smaller insurance companies
- Increasing demand for specialty insurance products
Threats
- Increased competition from larger insurers
- Economic downturn affecting transportation and recreation industries
- Regulatory changes impacting insurance rates and coverage
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- PGR
- TRV
- ALL
- BRK.A
- WRB
Competitive Landscape
NI Holdings faces competition from larger, more diversified insurance companies. However, its specialization in niche markets and strong underwriting capabilities provide a competitive advantage. They must be vigilant to maintain their specialization to compete.
Major Acquisitions
No recent major acquisitions
- Year: 2024
- Acquisition Price (USD millions): 0
- Strategic Rationale: N/A
Growth Trajectory and Initiatives
Historical Growth: Analyze historical revenue and earnings growth rates to assess NI Holdings' past performance.
Future Projections: Consult analyst reports and earnings estimates for projections on NI Holdings' future growth.
Recent Initiatives: Monitor company announcements and press releases for recent strategic initiatives, such as new product launches or acquisitions.
Summary
NI Holdings is a niche player in the insurance market, demonstrating expertise in specialty transportation and personal lines. Their focus allows them to offer tailored solutions, but also concentrates their risk. Maintaining underwriting discipline and exploring strategic expansions will be crucial for future success. Competition remains intense, requiring adaptability and innovation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Financial News Sources
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market conditions and company performance are subject to change.
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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