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NI Holdings NODK Q3 2025 earnings

Reported November 7, 2025 · Before market open

Revenue$76.6M
EPS-$0.08

Next report

Aug 7, 2026 (In 1 week)

Financials

Q3 2025

Income statement

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Revenue$76.6M-14.0%
Gross profit$15.7M-13.5%
Net income-$1.7M+38.4%
EPS (diluted)-$0.08+38.5%

Balance sheet

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Cash & equivalents$24.7M-37.0%
Total debt$2.4M0.0%
Total equity$243.8M+1.0%
Total assets$543.8M-2.9%

Cash flow

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Operating cash flow-$44.8M—
CapEx$35.0K-76.2%
Free cash flow-$44.8M—

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$280.36M-14.7%
Enterprise value$258.1M-11.6%
P/S0.9×-0.1×

Profitability

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Gross margin30.2%-1.8pp
FCF margin-2.4%—

Returns & leverage

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Debt / equity0×0.0×

Versus estimates

Revenue

Q1 2026$59.6MQ4 2025-$224.1M
Q3 2025$76.6M
Q2 2025$76.1MQ1 2025$71.4MQ4 2024$73.9M

Diluted EPS

Q1 2026$0.60Q4 2025-$0.15
Q3 2025-$0.08
Q2 2025-$0.57Q1 2025$0.31Q4 2024$0.47

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Questions, answered.

When did NI Holdings report Q3 2025 earnings?
NI Holdings (NODK) reported Q3 2025 earnings on November 7, 2025 before market open.
What were NI Holdings's Q3 2025 revenue and EPS?
NI Holdings reported revenue of $76.6M and eps of $-0.08 for Q3 2025.
How did NI Holdings's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 14.0% from $89.0M a year earlier and eps grew 38.5% from $-0.13.
Where can I find NI Holdings's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001174947-25-001357) and the 10-Q periodic report (0001174947-25-001356) directly on SEC EDGAR. The filing index links above go to sec.gov.