What is NI Holdings's free cash flow?

NI Holdings (NODK) reported free cash flow of -$1.91M in Q1 2026.

How has NI Holdings's free cash flow changed year-over-year?

NI Holdings's free cash flow decreased by 119.3% year-over-year, from $9.87M to -$1.91M.

What does free cash flow mean?

Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.

NI Holdings NODK Free cash flow

Free cash flow at other companies

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$115.3M+211%

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-$18.88M-764%

Universal Insurance HoldingsUVE

$153.24M-17.4%

Hippo HoldingsHIPO

$8.4M+124%

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%

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%—

FCF margin-2.4%—

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.

−$1.9Mnet cash from operating−$42.0Kcapital expenditures=-$1.91M

The official record: NI Holdings’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is NI Holdings's free cash flow?: NI Holdings (NODK) reported free cash flow of -$1.91M in Q1 2026.
How has NI Holdings's free cash flow changed year-over-year?: NI Holdings's free cash flow decreased by 119.3% year-over-year, from $9.87M to -$1.91M.
What does free cash flow mean?: Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.