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NI Holdings (NODK) investor relations material
NI Holdings Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary8 Aug, 2025
Executive summary
Net loss of $12,051 for Q2 2025, or ($0.57) per share, with net premiums earned of $73,005 and net investment income of $3,146.
Direct written premiums declined 7.6% year-over-year to $109.5 million, mainly due to a 56.4% reduction in Non-Standard Auto premiums, partially offset by growth in Home and Farm.
Underwriting loss of $18,376 and combined ratio of 125.1% for Q2 2025, driven by catastrophe losses and unfavorable prior year reserve development.
Second quarter results were significantly impacted by a major catastrophe event in North Dakota, leading to elevated loss ratios and a combined ratio of 125.1%.
Net investment income rose 40.8% to $2.7 million, driven by higher reinvestment rates and realized gains.
Financial highlights
Net premiums earned decreased 14.3% year-over-year for Q2 2025; six-month decrease was 9.4%.
Net investment income increased to $3,146 in Q2 2025 from $2,523 in Q2 2024, reflecting higher interest rates.
Loss and loss adjustment expense ratio increased to 91.2% from 81.4% year-over-year.
Expense ratio rose to 33.9% from 32.3% year-over-year.
Return on average equity was (19.4)% for Q2 2025, compared to (12.8)% in Q2 2024.
Outlook and guidance
Further reductions in Non-Standard Auto net earned premiums are expected due to strategic market exits.
The One Big Beautiful Bill Act of 2025 is not expected to materially impact results.
Future impact of Non-Standard Auto strategy?
Reinsurance strategy post-ND catastrophe event?
Expand on underwriting changes and diversification.
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Next NI Holdings earnings date
Q3 20255 Nov, 2025
Next NI Holdings earnings date
Q3 20255 Nov, 2025
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Frequently asked questions
NI Holdings, Inc. is a publicly held holding company primarily engaged in underwriting property and casualty insurance in the United States. Through its subsidiaries, including Nodak Insurance Company, the company offers a range of insurance products such as private passenger auto, non-standard automobile, homeowners, farm owners, crop hail, multi-peril crop, and liability insurance. Nodak Insurance distributes its products through captive agents, while other subsidiaries use independent agents for distribution. The company is headquartered in Fargo, North Dakota, and its shares are listed on the NASDAQ.
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