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NI Holdings NODK Home And Farm — Loss Ratio

Other segment segments

Non Standard Auto
99.2%+24.6%
Private Passenger Auto
46.2%-22.5%
All Other
15.7%-57.7%

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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:LossRatio.

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 — loss ratio?
NI Holdings (NODK) reported home and farm — loss ratio of 40.3% in Q1 2026.
How has NI Holdings's home and farm — loss ratio changed year-over-year?
NI Holdings's home and farm — loss ratio decreased by 2.4% year-over-year, from 41.3% to 40.3%.
What does home and farm — loss ratio mean?
The loss ratio measures the proportion of net premiums earned that are paid out as claims and related adjustment expenses within the home and farm segment. It is a critical indicator of underwriting discipline and the adequacy of premium pricing relative to the risk assumed. A lower ratio generally suggests more effective risk selection and pricing strategies.