Welcome to our dedicated page for Ni Hldgs SEC filings (Ticker: NODK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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NI Holdings reported weaker underwriting results this quarter, recording a loss from continuing operations of $12.1 million for the three months and a $5.6 million loss year-to-date. Net premiums earned for the quarter declined to $73.0 million from $85.2 million a year earlier, reducing core revenue while loss and loss adjustment expenses remained elevated.
The balance sheet shows growth in scale and liquidity with total assets of $620.1 million and cash and investments of $406.1 million. Unpaid losses and loss adjustment expenses rose to $203.5 million from $137.3 million, with reinsurance recoverables increasing to $51.3 million, and the company recorded $11.2 million of unfavorable prior-year development largely in its Non-Standard Auto segment. Net investment income improved to $3.15 million for the quarter and unrealized losses on fixed income securities narrowed versus year-end.
NI Holdings reported results for the quarter ended June 30, 2025. Direct written premiums fell to $109.5 million from $118.5 million (down 7.6%), driven by a strategic reduction in Non-Standard Auto while Home and Farm grew 8.1% on higher rates and new business. Net earned premiums declined to $73.0 million (down 14.3%).
The underwriting combined ratio rose to 125.1% from 113.7%, largely due to unfavorable prior-year liability development in Non-Standard Auto and a significant North Dakota catastrophe that, after reinsurance effects, is reported as a $20.0 million net pre-tax catastrophe loss and increased the quarter loss and LAE ratio by 30.2 percentage points. Net investment income improved 40.8% to $2.7 million. Basic loss per share was ($0.57) on continuing operations versus ($0.36) a year earlier. Management highlighted favorable underwriting results in South Dakota and Nebraska and reiterated confidence in the company’s core operations.
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