NI Holdings, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from NI Holdings, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Net Worth Ratio: Of every $100 of net worth, $100 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than almost all Financial Services companies in United States.
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than almost all Financial Services companies in United States.
- Growth Efficiency Ratio: Sales grew 6% in 3 years; of every extra $100 of sales, $247 became extra profit. Higher than almost all Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
$247Sales grew 6% in 3 years; of every extra $100 of sales, $247 became extra profit.
Higher than almost all Financial Services companies in United States.
Asset Productivity Ratio
+6% / -18%In 3 years sales changed by +6% while total assets changed by -18%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than almost all Financial Services companies in United States.
Tangible Net Worth Ratio
100%Of every $100 of net worth, $100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than almost all Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
NI Holdings, Inc. owes $0.54 for every $1 it owns. NI Holdings, Inc. made a loss in each of the last two years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
39.3Investors pay $39.3 for every $1 of NI Holdings, Inc.'s yearly profit, higher than 92% of Financial Services companies in United States.
P/B ratio
1.22The share price is 1.22 times NI Holdings, Inc.'s book value per share, lower than 55% of Financial Services companies in United States.
Market cap
$304 MThe total market value of all of NI Holdings, Inc.'s shares at today's price (share price × number of shares), smaller than 72% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$249 MWhat NI Holdings, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$12.22Net worth divided by the number of shares. The share price of $14.92 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
3.2%NI Holdings, Inc. earned 3.2% on its shareholders' money over the last year, lower than 79% of Financial Services companies in United States.
Owes vs Owns
0.54×NI Holdings, Inc. owes $0.54 for every $1 it owns (moderate), lower than 69% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneNI Holdings, Inc. does not currently pay a dividend.
Revenue growth
-12%Revenue fell 12% in the year to Dec 2025, and grew 2% a year on average over 3 years.
Profit growth
LossNI Holdings, Inc. made a loss in each of the last two years.
Profit margin
-3.7%NI Holdings, Inc. lost $4 for every $100 of revenue.
Questions
What is NI Holdings, Inc.'s P/E ratio?
Investors pay $39.3 for every $1 of NI Holdings, Inc.'s yearly profit, higher than 92% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For NI Holdings, Inc.: $304 M ÷ $249 M (30 Jun 2026) = 1.2.
What is NI Holdings, Inc.'s return on equity?
NI Holdings, Inc. earned 3.2% on its shareholders' money over the last year, lower than 79% of Financial Services companies in United States.
How much does NI Holdings, Inc. owe compared with what it owns?
NI Holdings, Inc. owes $0.54 for every $1 it owns (moderate), lower than 69% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does NI Holdings, Inc. pay a dividend?
No. NI Holdings, Inc. does not currently pay a dividend.
Is NI Holdings, Inc.'s revenue growing?
Revenue fell 12% in the year to Dec 2025, and grew 2% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.