NI Holdings, Inc. (NODK)

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NI Holdings, Inc. (NODK) is up 13.9% since the beginning of the year. At $15 per share, NODK is trading 9.3% below its 52-week high of $17. Investors who bought $1,000 worth of NODK shares 5 years ago would now be looking at an investment worth $766.

NI Holdings, Inc. (NODK) has returned 13.91% so far this year and 21.10% over the past 12 months.

Based on dividend-adjusted daily data since Mar 16, 2017, NODK's average daily return is +0.02%, while the average monthly return is +0.19%. At this rate, an investment would double in approximately 30.4 years.

Historically, 49% of months were positive and 51% were negative. The best month was Oct 2021 with a return of +13.2%, while the worst month was Apr 2025 at -12.3%. The longest winning streak lasted 5 consecutive months, and the longest losing streak was 5 months.

On a daily basis, NODK closed higher 47% of trading days. The best single day was Mar 13, 2020 with a return of +14.5%, while the worst single day was Jul 25, 2022 at -12.9%.

NI Holdings, Inc. has an annualized alpha of -3.02%, beta of 0.60, and R2 of 0.14 versus S&P 500 Index. Calculated based on daily prices since March 16, 2017.

• This stock participated in 62.89% of S&P 500 Index downside but only 30.45% of its upside - more exposed to losses than it benefited from rallies.
• Beta of 0.60 may look defensive, but with R2 of 0.14 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
• R2 of 0.14 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

NODK ranks 68 for risk / return — above 68% of stocks peers on PortfoliosLab. Its historical combined result is above most peers.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the NI Holdings, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the NI Holdings, Inc. was 44.88%, occurring on Mar 20, 2020. Recovery took 241 trading sessions.

The current NI Holdings, Inc. drawdown is 25.44%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of NI Holdings, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how NI Holdings, Inc. is priced in the market compared to other companies in the Insurance - Property & Casualty industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.