What is NI Holdings's free cash flow margin?

NI Holdings (NODK) reported free cash flow margin of -2.4% in Q3 2025.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

NI Holdings NODK Free cash flow margin

Free cash flow margin at other companies

ProgressivePGR

18.4%-1.7pp

AllstateALL

16.9%+3.2pp

The Hanover Insurance GroupTHG

18.7%+6.3pp

Safety Insurance GroupSAFT

13.3%+0.2pp

Universal Insurance HoldingsUVE

21.5%—

Hippo HoldingsHIPO

11.1%—

Other financials

Income statement

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Revenue$59.6M-16.6%

Gross profit$15.7M-13.5%

Net income$12.5M+93.6%

EPS (diluted)$0.60+93.5%

Balance sheet

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Cash & equivalents$57.7M+0.9%

Total debt$1.4M-67.2%

Total equity$243.8M+1.0%

Total assets$492.1M-6.3%

Cash flow

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Operating cash flow-$1.9M-119%

CapEx$42.0K+110%

Free cash flow-$1.9M-119%

Valuation

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Market cap$324.43M+26.1%

P/S1.2×+0.4×

Profitability

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Gross margin30.2%-1.8pp

Net margin-1.6%—

Returns & leverage

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Return on equity-5%-2.1pp

Debt / equity0×0.0×

Where this comes from

Calculated from NI Holdings’s reported figures.

free cash flow/total revenue=-2.4%

Based on trailing twelve months.

The official record: NI Holdings’s 10-Q, filed November 7, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is NI Holdings's free cash flow margin?: NI Holdings (NODK) reported free cash flow margin of -2.4% in Q3 2025.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.