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How to buy NI stock

Own NI stock in just a few minutes.

Fact checked

NI Holdings, Inc is an insurance-property & casualty business based in the US. NI shares (NODK) are listed on the NASDAQ and all prices are listed in US Dollars. NI employs 186 staff and has a trailing 12-month revenue of around USD$294 million.

How to buy shares in NI

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for NI. Find the stock by name or ticker symbol: NODK. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until NI reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. Weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of NI, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of NI. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

NI share price

Use our graph to track the performance of NODK stocks over time.

NI shares at a glance

Information last updated 2021-02-23.
52-week rangeUSD$10.15 - USD$18.1702
50-day moving average USD$17.1232
200-day moving average USD$16.8339
Wall St. target priceN/A
PE ratio 11.0283
Dividend yield N/A (0%)
Earnings per share (TTM) USD$1.624

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy NI stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Is NI under- or over-valued?

Valuing NI stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of NI's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

NI's P/E ratio

NI's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 11x. In other words, NI shares trade at around 11x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.


NI's EBITDA (earnings before interest, taxes, depreciation and amortisation) is USD$46.5 million.

The EBITDA is a measure of a NI's overall financial performance and is widely used to measure a its profitability.

NI financials

Revenue TTM USD$294 million
Operating margin TTM 15.45%
Gross profit TTM USD$33.8 million
Return on assets TTM 4.9%
Return on equity TTM 11.67%
Profit margin 12.22%
Book value $15.077
Market capitalisation USD$381.6 million

TTM: trailing 12 months

Shorting NI shares

There are currently 61,713 NI shares held short by investors – that's known as NI's "short interest". This figure is 1.5% up from 60,807 last month.

There are a few different ways that this level of interest in shorting NI shares can be evaluated.

NI's "short interest ratio" (SIR)

NI's "short interest ratio" (SIR) is the quantity of NI shares currently shorted divided by the average quantity of NI shares traded daily (recently around 15125.735294118). NI's SIR currently stands at 4.08. In other words for every 100,000 NI shares traded daily on the market, roughly 4080 shares are currently held short.

However NI's short interest can also be evaluated against the total number of NI shares, or, against the total number of tradable NI shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case NI's short interest could be expressed as 0% of the outstanding shares (for every 100,000 NI shares in existence, roughly 0 shares are currently held short) or 0.0072% of the tradable shares (for every 100,000 tradable NI shares, roughly 7 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against NI.

Find out more about how you can short NI stock.

NI share dividends

We're not expecting NI to pay a dividend over the next 12 months.

NI share price volatility

Over the last 12 months, NI's shares have ranged in value from as little as $10.15 up to $18.1702. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while NI's is 0.2208. This would suggest that NI's shares are less volatile than average (for this exchange).

NI overview

NI Holdings, Inc. underwrites property and casualty insurance products in North Dakota, South Dakota, Nebraska, Minnesota, Nevada, Arizona, and Illinois. The company's products include multi-peril crop, crop hail, private passenger automobile, farm owners, homeowners, and commercial property and liability insurance policies, as well as non-standard automobile insurance products. It distributes its insurance products through independent producers and independent agents. The company was founded in 1946 and is headquartered in Fargo, North Dakota. NI Holdings, Inc. operates as a subsidiary of Nodak Mutual Group, Inc.

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