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NI Holdings
NI Holdings (NODK) investor relations material
NI Holdings Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary6 Mar, 2026
Executive summary
Strategic focus in 2025 was on core insurance businesses in North Dakota, South Dakota, and Nebraska, with a deliberate exit from the Non-Standard Auto segment in Illinois, Arizona, and South Dakota.
Financial results for 2025 were disappointing, but management highlighted progress in repositioning for future growth and profitability.
The company responded effectively to a historic catastrophe event in North Dakota, demonstrating resilience in core lines.
Financial highlights
Direct written premiums fell 26% for Q4 and 15.3% for the full year, mainly due to the Non-Standard Auto exit.
Net earned premiums declined 18.9% for Q4 and 12.7% for the year.
Combined ratio rose to 109.6% for Q4 (up 29.6 pts) and 109.9% for the year (up 9.2 pts), reflecting reserve development and catastrophe losses.
Net investment income increased 6.9% to $11.7 million for the year.
Net loss attributable to shareholders was $10.4 million for 2025, compared to a $6.1 million loss in 2024.
Loss per share was $(0.50) for 2025, compared to earnings per share of $0.31 in 2024.
Outlook and guidance
Management expects investments in business, employees, technology, and products to support a return to profitability and long-term value creation in 2026.
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Next NI Holdings earnings date
Q1 20268 May, 2026
NI Holdings
Next NI Holdings earnings date
Q1 20268 May, 2026
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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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