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NI Holdings NODK Home And Farm — Underwriting Income Loss

Other segment segments

All Other
$2.4M+12.9%
Private Passenger Auto
$1.82M-0.5%
Crop
$856K+36.7%

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Other financials

Income statement

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Revenue$70.2M-7.7%
Gross profit$15.7M-13.5%
Net income$146.0K+101%
EPS (diluted)$0.01+102%

Balance sheet

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Cash & equivalents$51.6M-9.1%
Total debt$1.4M-67.2%
Total equity$243.8M+1.0%
Total assets$543.1M-12.4%

Cash flow

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Operating cash flow-$1.9M-119%
CapEx$19.0K-88.3%
Free cash flow-$1.9M-119%

Valuation

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Market cap$313.01M+19.6%
P/E40×—
P/S1.2×+0.3×

Profitability

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Gross margin30.2%-1.8pp
Net margin2.9%—
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:UnderwritingIncomeLoss.

The source filing: NI Holdings’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:06 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001174947-26-000777
Line itemPrivate Passenger AutoNon-Standard AutoHome and FarmCropAll OtherTotal
Amortization of deferred policy acquisition costs4,5451625,4489001,18112,236
Other underwriting and general expenses (1)3,0377573,9491,0795299,351
Underwriting and general expenses7,5829199,3971,9791,71021,587
Underwriting gain (loss)1,8221,547(11,612)8562,400(4,987)
Net investment income2,810
Net investment gains (losses)2,063
Fee and other income344
Income (loss) before income taxes230

Item 1. - Financial Statements

FAQ

What is NI Holdings's home and farm — underwriting income loss?
NI Holdings (NODK) reported home and farm — underwriting income loss of -$11.61M in Q2 2026.
How has NI Holdings's home and farm — underwriting income loss changed year-over-year?
NI Holdings's home and farm — underwriting income loss increased by 18.0% year-over-year, from -$14.16M to -$11.61M.
What does home and farm — underwriting income loss mean?
This metric represents the profit or loss generated by the home and farm insurance segment from its core underwriting activities, calculated as net premiums earned minus incurred losses and underwriting expenses. It serves as a primary indicator of the segment's operational profitability before accounting for investment income or corporate overhead. A positive value indicates profitable underwriting, while a negative value reflects an underwriting loss.

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