NI Holdings, Inc. — Earnings Quality Grade A
NODK · Financial Services
Strong financial health
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 89 days, change -1 days YoY
AR growth -13.0% vs revenue growth -12.3%
Revenue -12.3%, CFFO -139.7%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -78.1% vs revenue -12.3%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.47. Profits backed by cash
FCF is negative ($-0.0B)
Accruals ratio = 1.0%. Low accruals
Insufficient data
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -100% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
NI Holdings, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25