{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-22-001177","form_type":"8-K","ticker":"NODK","cik":"0001681206","company_name":"NI Holdings, Inc.","filed_at":"2022-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.695658+00:00","generated_at":"2026-06-22T05:32:46.403280+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"NI Holdings reports Q3 2022 EPS loss of $0.47; combined ratio worsens to 114.4%","bullets":["Direct written premiums grew 17.8% to $81.1M, driven by Non-Standard Auto and Commercial segments.","Combined ratio of 114.4% vs 110.8%, impacted by inflation, catastrophe losses, and adverse development.","Pre-tax catastrophe losses net of reinsurance were $19.6M for Q3, $68.7M YTD, adding 22.7 pts to combined ratio.","Net investment losses of $2.9M in Q3 due to unfavorable equity markets.","Repurchased 62,175 shares for $0.9M at avg price $15.11."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-22-001177","json":"https://secwatch.observer/filing/0001174947-22-001177.json","markdown":"https://secwatch.observer/filing/0001174947-22-001177.md","text":"https://secwatch.observer/filing/0001174947-22-001177.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1681206/000117494722001177/0001174947-22-001177-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1681206/000117494722001177/form8k-28909_nodk.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T05:32:46.403280+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":[{"claim_id":"07e3a188e24cbfeb245e9295850de5efa81dc294","claim":"NI Holdings, Inc. reported quarter ended September 30, 2022 results: revenue $89.5 million, net income ($9,985), EPS ($0.47).","evidence_excerpt":"noted otherwise) · Direct written premiums increased 17.8% to $81.1 million, driven by our Non-Standard Auto and Commercial segments. · Net earned premiums increased 9.0% to $89.5 million. · Combined Ratio of 114.4% versus 110.8%, driven by elevated loss costs as a result of higher inflation, a catastrophe loss event in North Dakota during the current quarter, and","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1681206/000117494722001177/0001174947-22-001177-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter ended September 30, 2022"},{"label":"Revenue","value":"$89.5 million"},{"label":"Net income","value":"($9,985)"},{"label":"EPS","value":"($0.47)"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}