NI Holdings (4V0) AI Stock Analysis

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NI Holdings

(Frankfurt:4V0)

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Action:N/A

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Positive Factors

Minimal leverageEffectively zero debt gives NI Holdings substantial financial flexibility and limits refinancing and interest-burden risk. A stable equity base also provides resilience while underwriting results recover, allowing the company to manage volatility without relying heavily on external funding.

Negative Factors

Negative cash generationNegative operating and free cash flow despite positive net income weakens confidence in earnings conversion and reduces internally generated financial flexibility. The deterioration from positive cash generation in 2023–2024 also increases uncertainty about the durability and timing of reported profitability.

NI Holdings (4V0) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 304.23M
Dividend Yield: ―
Average Volume (3M): ―
Price to Earnings (P/E): 20.6
Beta (1Y): 0.08
Revenue Growth: -17.21%
EPS Growth: 273.64%
Country: Germany
Employees: 169
Sector: Financial
Sector Strength: 68
Industry: Insurance - Property & Casualty

NI Holdings Business Overview & Revenue Model

Company Description

NI Holdings, Inc. provides a comprehensive range of property and casualty insurance policies across the United States. Their product portfolio includes coverage for personal and specialized automobile risks, residential properties, agricultural holdi...

NI Holdings Risk Analysis

NI Holdings disclosed 27 risk factors in its most recent earnings report. NI Holdings reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

0 New Risks

NI Holdings Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

DE:4V0 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KINS	82Outperform	$327.72M	7.75	0.12%	0.97%	31.48%	27.09%
DGICA	77Outperform	$764.25M	9.98	10.57%	3.99%	-3.37%	-22.70%
ACIC	68Neutral	$485.66M	5.64	25.89%	―	-5.31%	1.68%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GBLI	61Neutral	$322.09M	10.48	4.34%	6.36%	2.97%	8.33%

* Financial Sector Average

Performance Comparison

DE:4V0 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:4V0	NI Holdings, Inc.	13.10	1.60	13.91%
DGICA	Donegal	19.06	0.08	0.43%
GBLI	Global Indemnity	22.00	-4.05	-15.54%
KINS	Kingstone	22.63	8.39	58.97%
ACIC	American Coastal Insurance Corporation	10.27	-0.70	-6.36%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

NI Holdings AI Stock Analysis