{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-22-000354","form_type":"8-K","ticker":"NODK","cik":"0001681206","company_name":"NI Holdings, Inc.","filed_at":"2022-03-09T23:59:59+00:00","discovered_at":"2026-05-14T18:04:07.793977+00:00","generated_at":"2026-06-27T00:26:45.898177+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"NI Holdings Q4 net income falls 72% to $6.1M; full-year combined ratio above 100%","bullets":["Q4 net income $6.1M ($0.29 EPS) vs $21.6M ($1.01 EPS) prior year; full-year $8.4M ($0.39 EPS) vs $40.4M ($1.86 EPS).","Direct written premiums +7.4% in Q4, +8.9% for year, driven by commercial and non-standard auto segments.","Combined ratio: Q4 98.6% vs 79.1%; full-year 104.4% vs 89.4% – weather, inflation, drought impacted.","Repurchased 56,812 shares ($19.44 avg) in Q4 for $1.1M; full-year 225,205 shares for $4.3M.","No earnings conference call to be held for Q4 2021."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-22-000354","json":"https://secwatch.observer/filing/0001174947-22-000354.json","markdown":"https://secwatch.observer/filing/0001174947-22-000354.md","text":"https://secwatch.observer/filing/0001174947-22-000354.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1681206/000117494722000354/0001174947-22-000354-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1681206/000117494722000354/form8k-27497_ni.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T00:26:45.898177+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}