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NI Holdings NODK Combined Ratio
Discontinued — last reported Q3 '25
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Where this comes from
Reported directly by NI Holdings in its filing.
Tagged under the XBRL concept us-gaap:CombinedRatio.
The source filing: NI Holdings’s 10-Q, filed November 7, 2025.
- Filed
- Nov 7, 2025
- Fiscal quarter
- Q3 FY2025
- Calendar quarter
- Q3 2025
- Accession
- 0001174947-25-001356
| Line item | Private Passenger Auto | Non-Standard Auto | Home and Farm | Crop | All Other | Total |
|---|---|---|---|---|---|---|
| Operating Ratios: | ||||||
| Loss and loss adjustment expense ratio | 60.8% | 141.6% | 78.5% | 51.5% | 73.2% | 78.2% |
| Expense ratio | 28.3% | 45.5% | 33.1% | 16.8% | 29.9% | 30.9% |
| Combined ratio | 89.1% | 187.1% | 111.6% | 68.3% | 103.1% | 109.1% |
| Balances at September 30, 2025: | ||||||
| Premiums and agents’ balances receivable | $26,652 | $3,048 | $11,603 | $31,574 | $3,196 | $76,073 |
| Deferred policy acquisition costs | 6,764 | 2,737 | 10,507 | 805 | 1,417 | 22,230 |
| Reinsurance recoverables on losses | 2,668 | — | 10,717 | 4,358 | 5,308 | 23,051 |
Item 1. - Financial Statements
FAQ
- What is NI Holdings's combined ratio?
- NI Holdings (NODK) reported combined ratio of 109.1% in Q3 2025.
- How has NI Holdings's combined ratio changed year-over-year?
- NI Holdings's combined ratio decreased by 1.7% year-over-year, from 111% to 109.1%.
- What is the long-term trend for NI Holdings's combined ratio?
- Over 2 years (2022 to 2024), NI Holdings's combined ratio has grown at a -6.9% compound annual growth rate (CAGR), from 483.3% to 419.3%.
- What does combined ratio mean?
- Combined Ratio
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