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NI Holdings NODK Unearned premiums

Unearned premiums at other companies

Progressive logo
ProgressivePGR
$27.89B+4.8%
Chubb logo
ChubbCB
$27.18B+11.0%
Allstate logo
AllstateALL
$28.86B+6.2%
The Hanover Insurance Group logo
The Hanover Insurance GroupTHG
$3.4B+4.4%
Safety Insurance Group logo
Safety Insurance GroupSAFT
$640.32M+2.9%
Universal Insurance Holdings logo
Universal Insurance HoldingsUVE
$1.07B+5.2%

Segments

By segment

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Home And Farm$57.29M+7.4%
Private Passenger Auto$36.75M-4.0%
All Other$8.36M+12.3%
Non Standard Auto$1.24M-94.6%

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%—
FCF margin-2.4%—

Returns & leverage

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Return on equity-5%-2.1pp
Debt / equity0×0.0×

Where this comes from

Reported directly by NI Holdings in its filing.

Tagged under the XBRL concept us-gaap:UnearnedPremiums.

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 unearned premiums?
NI Holdings (NODK) reported unearned premiums of $103.64M in Q1 2026.
How has NI Holdings's unearned premiums changed year-over-year?
NI Holdings's unearned premiums decreased by 15.1% year-over-year, from $122.06M to $103.64M.
What is the long-term trend for NI Holdings's unearned premiums?
Over 5 years (2020 to 2025), NI Holdings's unearned premiums has grown at a -2.3% compound annual growth rate (CAGR), from $119.36M to $106.5M.
What does unearned premiums mean?
This represents the portion of premiums received that corresponds to the unexpired period of insurance policies. It is a liability because the company is obligated to provide coverage for the remainder of the policy term. This metric is a leading indicator of future earned premium revenue and reflects the current volume of active insurance business.