NI Holdings, Inc. carries no debt; cash flow comfortably covers obligations.

NI Holdings, Inc.'s free cash flow has decreased 141.29% from $37.52M last year to $-15.49M, signaling decreasing performance

NI Holdings, Inc.'s debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

NI Holdings, Inc.'s debt has decreased relative to shareholder equity from 0.01 last year to 0.00 today, signaling strengthened financials

NI Holdings, Inc. has a net cash position, so leverage is healthy.

NI Holdings, Inc. carries no debt; interest obligations are fully covered.

NI Holdings, Inc.'s profit margin has increased (-257.18%) in the last year from -1.86% to 2.93%, signaling increasing performance

NI Holdings, Inc.'s short-term assets of $265.72M exceed its short-term liabilities of $245.23M

NI Holdings, Inc.'s return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

NI Holdings, Inc.'s return on equity of 3.18%, is lower than 15.00%, indicating bad performance

NI Holdings, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

NI Holdings, Inc. had positive net income in only 1 out of 5 years, indicating unstable earnings

NI Holdings, Inc. has negative free cash flow, indicating the company is burning cash rather than generating it

NI Holdings, Inc. has negative free cash flow, indicating cash burn

NI Holdings, Inc.'s yearly earnings has decreased 71.83% since last year from $-6.06M to $-10.41M, signaling decreasing performance

NI Holdings, Inc.'s yearly revenue has decreased 100.00% since last year from $325.20M to $0.00, signaling decreasing performance

ROIC 6.05% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

NI Holdings, Inc.'s 3-year revenue CAGR of 2.10% is positive, indicating growing revenue over the past 3 years

NI Holdings, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

NI Holdings, Inc. had positive ROE in only 1 out of 5 years, indicating inconsistent returns on equity

NI Holdings, Inc. has insufficient data to evaluate this check.

NI Holdings, Inc. has an earnings yield of 2.45%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

NI Holdings, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

NI Holdings, Inc. has negative or missing EBITDA, making EV/EBITDA ratio unreliable

NI Holdings, Inc. is overvalued relative to its fair value price of 2.65 based on Earnings Fair Value model

NI Holdings, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

NI Holdings, Inc. has a price-to-book ratio of 1.28x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

NI Holdings, Inc. has a price-to-sales ratio of 1.19x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue