Last 44 quarters of trend data · Financial Services · Property & Casualty Insurers
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 21.24 | 13.81 | 561.07 | 5.37 | — | — | — | 11.50 | 8.35 | — | — | 12.22 | 10.48 | 295.18 | — | — | 78.61 | — | — | 48.02 | 16.30 |
| — | — | — | -53.3% | — | — | — | -5.9% | -20.3% | — | — | — | -86.7% | — | — | — | +382.2% | — | — | +367.7% | +297.1% | |
| P/S Ratio | 1.21 | 1.13 | 1.17 | 1.13 | 1.12 | 0.93 | 0.88 | 1.05 | 1.12 | 0.92 | 0.91 | 1.07 | 0.73 | 0.87 | 0.97 | 0.85 | 0.75 | 0.80 | 1.16 | 1.39 | 1.19 |
| — | +21.8% | +32.5% | +7.5% | +0.3% | +0.6% | -3.6% | -1.6% | +52.2% | +5.8% | -6.3% | +25.6% | -2.1% | +9.4% | -15.9% | -38.5% | -36.8% | -28.1% | -5.5% | -2.2% | +12.1% | |
| P/B Ratio | 1.34 | 1.27 | 1.32 | 1.08 | 1.14 | 1.17 | 1.10 | 1.18 | 1.35 | 1.36 | 1.36 | 1.25 | 1.11 | 1.19 | 1.31 | 1.10 | 1.10 | 1.14 | 1.29 | 1.10 | 1.17 |
| — | +8.7% | +19.4% | -8.9% | -15.8% | -14.3% | -18.9% | -5.0% | +22.0% | +14.9% | +3.4% | +13.5% | +0.2% | +4.4% | +2.0% | -0.5% | -5.2% | +3.9% | +10.8% | -3.0% | +14.8% | |
| P/FCF | — | — | 91.81 | — | 5.08 | — | 10.74 | 7.62 | 3.84 | — | 4.45 | 4.80 | 2.39 | — | 3.31 | — | — | — | 9.16 | 27.95 | 5.18 |
| — | — | +754.8% | — | +32.3% | — | +141.5% | +58.8% | +60.8% | — | +34.4% | — | — | — | -63.9% | — | — | — | -4.7% | +197.7% | +17.1% | |
| EV / EBITDA | 19.27 | — | 196.26 | 3.34 | — | — | — | 7.69 | 5.00 | — | — | 7.02 | 4.67 | 50.74 | — | — | 60.15 | — | — | 27.01 | 9.58 |
| — | — | — | -56.6% | — | — | — | +9.5% | +7.0% | — | — | — | -92.2% | — | — | — | +527.6% | — | — | +302.0% | +343.4% | |
| EV / EBIT | — | — | 300.36 | 3.38 | — | — | — | 7.86 | 5.06 | — | — | 7.14 | 4.83 | 58.91 | — | — | 88.40 | — | — | 29.98 | 9.94 |
| — | — | — | -57.1% | — | — | — | +10.1% | +4.8% | — | — | — | -94.5% | — | — | — | +789.6% | — | — | +336.2% | +350.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 29.6% | — | 31.1% | 60.8% | 13.4% | 8.7% | -9.1% | 22.9% | 31.8% | 7.0% | -1.0% | 23.5% | 28.0% | 10.7% | 5.2% | 5.1% | 9.9% | -8.2% | -64.7% | 15.7% | 39.8% |
| — | — | +441.2% | +165.2% | -57.9% | +23.2% | -850.5% | -2.6% | +13.6% | -34.2% | -118.4% | +363.4% | +184.2% | +230.2% | +108.0% | -67.7% | -75.3% | -216.5% | -13299.5% | -69.5% | -35.8% | |
| Operating Margin | -4.3% | — | 0.3% | 26.4% | -4.7% | -2.4% | -20.1% | 10.8% | 18.7% | -3.9% | -10.3% | 11.9% | 12.2% | 1.3% | -4.0% | -6.8% | 0.7% | -14.9% | -77.9% | 3.9% | 9.9% |
| — | — | +101.6% | +143.0% | -125.4% | +37.5% | -95.1% | -8.5% | +53.4% | -397.4% | -156.8% | +275.4% | +1631.6% | +108.8% | +94.8% | -271.5% | -92.8% | -93.9% | -1867.6% | -78.0% | -71.2% | |
| Net Margin | -3.7% | 8.1% | 0.2% | 21.0% | -5.2% | -2.2% | -15.8% | 9.0% | 13.3% | -3.0% | -22.3% | 8.6% | 7.0% | 0.3% | -10.0% | -5.2% | 1.0% | -11.2% | -60.6% | 2.9% | 7.2% |
| — | +470.5% | +101.3% | +132.1% | -138.8% | +28.4% | +29.1% | +5.0% | +89.9% | -1127.0% | -123.1% | +266.9% | +635.8% | +102.6% | +83.5% | -278.8% | -86.7% | -100.0% | -1806.4% | -78.9% | -72.2% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -4.3% | 2.2% | 0.1% | 5.1% | -1.3% | -0.7% | -4.8% | 2.6% | 4.1% | -1.1% | -8.0% | 2.5% | 2.8% | 0.1% | -3.3% | -1.7% | 0.4% | -3.8% | -15.2% | 0.6% | 1.8% |
| — | +427.3% | +101.2% | +96.8% | -132.2% | +39.6% | +39.3% | +2.2% | +46.9% | -1253.9% | -142.3% | +252.5% | +681.0% | +102.6% | +78.3% | -396.1% | -80.1% | -179.9% | -1919.6% | -79.6% | -72.3% | |
| ROA | -2.0% | 1.1% | 0.0% | 2.5% | -0.6% | -0.3% | -2.1% | 1.2% | 1.8% | -0.5% | -3.2% | 1.0% | 1.0% | 0.0% | -1.2% | -0.7% | 0.1% | -1.5% | -7.0% | 0.3% | 0.9% |
| — | +469.2% | +101.3% | +104.1% | -133.2% | +40.7% | +33.7% | +23.4% | +74.1% | -1502.3% | -157.1% | +246.8% | +631.6% | +102.3% | +82.4% | -326.5% | -84.3% | -124.7% | -1668.2% | -80.8% | -73.7% | |
| ROIC | -4.8% | — | 0.1% | 6.2% | -1.1% | -0.7% | -6.0% | 3.0% | 5.2% | -1.3% | -3.6% | 3.3% | 4.2% | 0.4% | -1.3% | -2.1% | 0.2% | -4.9% | -18.2% | 0.7% | 2.2% |
| — | — | +101.5% | +108.0% | -120.4% | +48.4% | -65.7% | -10.1% | +23.7% | -435.6% | -180.8% | +259.1% | +1625.9% | +108.1% | +92.9% | -395.0% | -88.9% | -194.8% | -2065.8% | -79.7% | -74.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | 0.00 | — | — | — | — | — | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | -74.5% | -93.4% | — | — | — | — | — | — | — | — | — | — | — | |
| Debt / EBITDA | — | — | 3.29 | — | — | — | — | — | 0.04 | — | — | 0.22 | 0.17 | 1.56 | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | -78.9% | — | — | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 1.08 | 14.63 | 14.18 | 1.15 | 1.08 | 1.04 | 1.02 | 1.07 | 1.06 | 1.05 | — | — | — | — | — | — | — | — | — | — | — |
| — | +1310.0% | +1292.2% | +7.3% | +1.9% | -0.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 1.08 | 14.63 | 14.18 | 1.15 | 1.08 | 1.04 | 1.02 | 1.07 | 1.06 | 1.05 | — | — | — | — | — | — | — | — | — | — | — |
| — | +1310.0% | +1292.2% | +7.3% | +1.9% | -0.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 44 years · Updated daily
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Quick answers to the most common questions about buying NODK stock.
NI Holdings, Inc.'s current P/E is 21.2x. The average P/E over the last 3 quarters is 193.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
NI Holdings, Inc.'s current operating margin is -4.3%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking NI Holdings, Inc.'s business trajectory between earnings reports.