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NI Holdings NODK Non Standard Auto — Unearned Premiums

Other segment segments

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

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$391.9M-2.6%
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BOWUnearned premiums
$556.42M+22.9%

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×

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 non standard auto — unearned premiums?
NI Holdings (NODK) reported non standard auto — unearned premiums of $1.24M in Q1 2026.
How has NI Holdings's non standard auto — unearned premiums changed year-over-year?
NI Holdings's non standard auto — unearned premiums decreased by 94.6% year-over-year, from $23M to $1.24M.
What is the long-term trend for NI Holdings's non standard auto — unearned premiums?
Over 4 years (2021 to 2025), NI Holdings's non standard auto — unearned premiums has grown at a -8.7% compound annual growth rate (CAGR), from $77.35M to $53.76M.
What does non standard auto — unearned premiums mean?
This is the portion of written premiums that relates to the unexpired period of insurance policies. It represents a liability because the company is obligated to provide coverage for the remainder of the policy term.