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.
NI Holdings, Inc. (NASDAQ: NODK) files a range of documents with the U.S. Securities and Exchange Commission as an insurance holding company in the direct property and casualty sector. As the North Dakota business corporation that is the stock holding company of Nodak Insurance Company, NI Holdings uses SEC filings to report on its consolidated financial results, material events, and governance matters across NI Holdings; Nodak Insurance Company and its wholly owned subsidiaries American West Insurance Company, Primero Insurance Company, and Battle Creek Insurance Company; and Direct Auto Insurance Company, with some disclosures also referencing Westminster Insurance Company until its sale.
On this page, you can review NI Holdings’ periodic reports, including Annual Reports on Form 10-K and Quarterly Reports on Form 10-Q, which the company references in its press releases. These filings provide detail on net earned premiums, loss and loss adjustment expense ratios, expense ratios, combined ratios, net investment income, and other metrics relevant to its property and casualty operations, as well as discussions of risk factors and segment performance. They also describe the company’s structure following the March 13, 2017 conversion of Nodak Mutual Insurance Company to stock form and the resulting ownership of Nodak Insurance Company.
Current reports on Form 8-K give timely disclosure of material events such as quarterly financial results, share repurchase authorizations, CEO transitions, compensation decisions for senior executives, and separation agreements. Several Form 8-K filings confirm that NI Holdings’ common stock, with a par value of $0.01 per share, is listed on the Nasdaq Capital Market under the symbol NODK. Users interested in executive arrangements can examine 8-K and 8-K/A filings that describe leadership changes and related compensation terms.
Stock Titan’s platform surfaces these SEC filings with AI-powered summaries that explain the key points of lengthy documents in plain language. Real-time updates from the EDGAR system allow you to see new 10-K, 10-Q, and 8-K filings as they are posted, while AI-generated highlights help identify important disclosures about underwriting performance, investment income, capital management actions, and governance changes. For those tracking insider and executive activity, related filings can be accessed alongside the company’s broader regulatory history.
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.