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NI Holdings NODK Home And Farm — Combined Ratio

Other segment segments

Non Standard Auto
162.4%+29.9%
Private Passenger Auto
80.7%-12.5%
All Other
48.1%-45.2%

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92%-2.0pp
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98.3%+2.2pp
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EIGCombined Ratio
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RNRProperty — Combined Ratio
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AXSReinsurance — Combined Ratio
92.7%+0.4pp

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:CombinedRatio.

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 home and farm — combined ratio?
NI Holdings (NODK) reported home and farm — combined ratio of 77.3% in Q1 2026.
How has NI Holdings's home and farm — combined ratio changed year-over-year?
NI Holdings's home and farm — combined ratio increased by 4.0% year-over-year, from 74.3% to 77.3%.
What does home and farm — combined ratio mean?
The combined ratio is the sum of the loss ratio and the underwriting expense ratio, providing a comprehensive measure of the home and farm segment's underwriting profitability. A ratio below 100% indicates an underwriting profit, while a ratio above 100% indicates an underwriting loss. It is the standard industry benchmark for evaluating the overall health of insurance operations.