Stock Ratings / Financials / NODK / dividends

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NI Holdings Inc. (NODK) Dividend Safety Gauge & 10-Year DRIP Compounder

$15.12 +1.55% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

NI Holdings Inc. (NODK) carries a Roarable Rating of D- (Sell) with 35/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • RED ALERT Cap $308.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERRED ALERT • D-

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw E · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-10.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NODK)Realized 20D OHLCV Swing Band: ±3.7%

CASH DIVIDEND + BUYBACK YIELD

2.78% Total Yield

2.18% Cash ($0.33/yr) + 0.6% Buybacks

PAYOUT SAFETY SPEEDOMETER

41/100 • ELEVATED PAYOUT WATCH

FREE CASH FLOW PAYOUT RATIO

96% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.3% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $18,422

Est. Year-10 Shareholder Yield: $512/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.6K

Yr 1

$11.3K

Yr 2

$12.0K

Yr 3

$12.8K

Yr 4

$13.6K

Yr 5

$14.4K

Yr 6

$15.3K

Yr 7

$16.3K

Yr 8

$17.3K

Yr 9

$18.4K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NODK)

✓Walkthrough of NODK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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NODK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.39%⚡ TESTING RESISTANCE

2026-10-30O $15.04H $15.17L $14.94C $15.12VOL 20.9K

RES: $15.45SUP: $14.29SMA50: $14.98SMA200: $14.33

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NODK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NODK Butterfly Map → + Track NODK →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. -12.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NODK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NODK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NODK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NODK)

Financials Rank #1029 of 1096 ⚔️ KINS vs NODK Full Matrix →

1. Head-to-Head Financials Peer Comparison (NODK vs. KINS, KWY, GBLI, MBI)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, NI Holdings Inc. (NODK) ranks #1029 by composite RQD confidence (35/100, grade D-) and #801 by equity capitalization ($308.5M). Within this direct 5-issuer industry benchmark cohort, KINS leads on earnings valuation at 7.1x trailing P/E, while KINS leads on capital efficiency and profitability with 33.2% ROIC and — gross margin. KINS currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with NODK at 35/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NODK ACTIVE NI Holdings Inc.	D-	35/100	—	—	-4.3%	+1.55%	$308.5M	Benchmark Subject
KINS Kingstone Companies Inc.	B	73/100	7.1x	—	33.2%	+1.73%	$290.1M	/kins-vs-nodk →
KWY Kingsway Corporation	D-	40/100	—	—	-13.6%	-0.41%	$278.3M	/kwy-vs-nodk →
GBLI Global Indemnity Group LLC (Class A)	D+	55/100	14.2x	—	3.6%	+1.03%	$358.7M	/gbli-vs-nodk →
MBI MBIA Inc.	C-	59/100	—	—	—	-0.22%	$227.0M	/mbi-vs-nodk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001681206

In its most recent audited fiscal period (FY2025, filed 2025-12-31), NI Holdings Inc. (NODK) reported GAAP revenue of $285.1M (-12.3% vs. FY2024 revenue of $325.2M , and -6.2% cumulative change since FY2023) , GAAP net income of -$10.4M, operating cash flow of -$15.3M, and free cash flow of -$15.5M (-141.3% YoY). On the balance sheet, NODK closed FY2025 with $506.0M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 1/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$285.1M	-$10.4M	-$15.3M	-$15.5M	$506.0M	—
FY2024 (FY)	2024-12-31	$325.2M	-$6.1M	$38.5M	$37.5M	$526.5M	—
FY2023 (FY)	2023-12-31	$304.0M	-$5.5M	$51.0M	$51.0M	—	—

3. NODK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NODK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, NI Holdings Inc. (NASDAQ: NODK) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 35/100 at a spot price of $15.12 (+1.55% 1D, market cap $308.5M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 8/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, NODK ranks #1029 in composite RQD confidence.

How does NODK compare to KINS and KWY in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), NODK carries a Roarable D- (35/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -4.3%. By comparison, KINS (Kingstone Companies Inc.) holds a B grade (73/100 RQD, P/E 7.1x, ROIC 33.2%, cap $290.1M) and KWY (Kingsway Corporation) posts a D- grade (40/100 RQD, P/E N/A, ROIC -13.6%, cap $278.3M). Among the 5-stock peer group, KINS leads on earnings multiple (7.1x) while KINS leads on capital efficiency (33.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NODK?

Per NODK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001681206), NI Holdings Inc. generated $285.1M in revenue (-12.3% YoY), -$10.4M in net income, and -$15.5M in free cash flow against $506.0M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NODK trading relative to its 50-day, 200-day, and 52-week technical levels?

NODK last traded at $15.12 (+1.55% on volume of 19,821 shares), positioning the stock +0.93% above its 50-day simple moving average ($14.98) and +5.51% above its 200-day simple moving average ($14.33). Across its 52-week range of $12.37 to $16.70, NODK sits at the 63.5% percentile with a 14-day RSI of 52.4 (NEUTRAL RANGE) and an implied next-earnings move of ±3.7% ($14.56 to $15.68).

NODK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does NODK pay a dividend and is it safe?

NI Holdings Inc. (NODK) offers a 2.18% cash dividend yield ($0.33 annualized) and 2.78% total shareholder yield including buybacks. Roarable rates its payout coverage as ELEVATED PAYOUT WATCH.

Direct Sub-Reports: NODK RQD Cockpit NODK 12M Forecast NODK Earnings & Move NODK Dividends & DRIP NODK Insiders & 13F NODK Whale Options NODK Profit Sankey NODK News & Why