Lumida
/NODK
⌘K
NI Holdings Inc

NI Holdings Inc

NODK
$15.05USD-0.13%-0.02 today

MARKET CAP

307.1M

P/E (TTM)

FWD P/E

DAY RANGE

$15 – $15

52W RANGE

$12
$17

AI Summary

Stalk
StalkMedium

NODK remains in a Stage 2 advancing regime with strong bullish structure and an active Parabola pattern driving accelerating upside. However, price is extremely overbought and extended above rising 9/21 EMAs, making immediate entry unfavorable. Under the HMOM framework, patience is advised to stalk for a pullback into dynamic support zones—such as the 9/21 EMA area or prior resistance turned support—before engaging.

  • Q2 net income $146K vs $12M loss prior year signals profit turnaround
  • Combined ratio narrowed to 107.7% from 125.1%, showing cost control
  • Trailing P/E of 40.8x vs net margin under 3% raises valuation concerns
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$324.0M$267.8M$304.0M$325.2M$285.1M
YoY %+5.8%-17.3%+13.5%+7.0%-12.3%
P / Sales1.3x1.1x0.9x1.0x1.0x
EV / Sales2.0x2.2x2.1x1.7x1.7x
Gross Profit, Adj.$43.0M$-27.6M$49.9M$46.5M$24.3M
YoY %-68.8%-164.1%+280.9%-6.8%-47.8%
Margin %13.3%-10.3%16.4%14.3%8.5%
EV / Gross Profit15.0x-21.8x12.8x12.1x20.3x
EBITDA, Adj.$79.1M$2.8M$89.8M$85.3M$48.9M
YoY %-24.6%-96.4%+3087.8%-5.0%-42.7%
Margin %24.4%1.1%29.5%26.2%17.1%
EV / EBITDA8.1x213.1x7.1x6.6x10.1x
EBIT$11.3M$-52.9M$20.5M$12.8M$-12.3M
YoY %-78.6%-567.7%+138.9%-37.8%-196.5%
Margin %3.5%-19.7%6.8%3.9%-4.3%
EV / EBIT56.9x-11.4x31.1x44.0x-40.0x
Net Income$8.4M$-53.1M$-5.5M$-6.1M$-10.4M
YoY %-79.2%-730.9%+89.7%-10.7%-71.8%
Net Margin2.6%-19.8%-1.8%-1.9%-3.7%
EPS (GAAP)$0.39-$2.49-$0.26-$0.29-$0.50
YoY %-78.8%-738.5%+89.6%-11.5%-72.4%