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Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
NI Holdings is a North Dakota business corporation that is the stock holding company of Nodak Insurance Company and became such in connection with the conversion of Nodak Mutual Insurance Company ( Nodak Mutual ) from a mutual to stock form of organization and the creation of a mutual holding company. Immediately following the conversion, all of the outstanding shares of common stock of Nodak I…
$15.35
+$0.01 (+0.07%)
Live · 07:18 PM
The institution is unprofitable. This typically signals severe credit losses or a business in transition.
Revenue declined 12.3% YoY. For a bank, this often signals contracting loan book or reduced fee income.
At 41x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
41.5x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$267M
▼ -12.3% YoY
Net Income (TTM)
$8M
▼ -71.8% YoY
Net Margin
2.93%
P/E
41.5x
Balance Sheet
Total Assets
$543M
Equity
$249M
Total Debt
$2M
Cash & Equiv.
$52M
5Y CAGR: -1.4%
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SourceComputed from the 10-Q filed 7 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 8 Aug 2026. How this is calculated.
Price from market data, live as of 3 Sept 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.
At a P/E of 41.5, Ni Holdings (NODK)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, Ni Holdings scores 57/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 2.1%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Ni Holdings scores 57 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Ni Holdings pays a regular dividend of about $0.32 per share per year (typically in quarterly installments), a yield of roughly 2.1% at the current price. That is a payout ratio of about 85.9% of earnings, so the dividend is stretched at this level. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For NODK's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh NODK's valuation and scores 57/100 on quality (mixed). It also yields about 2.1%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.