NI Holdings NODK Impact of assumptions updates and model changes

Discontinued — last reported Q3 '25

Segments

By segment

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Home And Farm$5.58M+10.8%

Private Passenger Auto$4.54M+1.1%

Non Standard Auto$901K-85.8%

All Other$796K+21.2%

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:DeferredPolicyAcquisitionCostAmortizationExpenseAssumptionChange.

The official record: NI Holdings’s 10-Q, filed November 7, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is NI Holdings's impact of assumptions updates and model changes?: NI Holdings (NODK) reported impact of assumptions updates and model changes of $13.73M in Q3 2025.
How has NI Holdings's impact of assumptions updates and model changes changed year-over-year?: NI Holdings's impact of assumptions updates and model changes decreased by 22.1% year-over-year, from $17.62M to $13.73M.