{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-23-000314","form_type":"8-K","ticker":"NODK","cik":"0001681206","company_name":"NI Holdings, Inc.","filed_at":"2023-03-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:46.122536+00:00","generated_at":"2026-06-18T08:33:24.684220+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 2022 net loss of $53.1M; combined ratio 119.9%","bullets":["Full year net loss of $53.1M ($2.49 loss per share) vs. $8.4M income ($0.39 EPS) in 2021.","Combined ratio of 119.9% for 2022, up from 104.3% in 2021, driven by elevated loss costs and $68.5M in catastrophe losses.","Direct written premiums grew 13.9% to $389.7M; Non-Standard Auto led with 26.8% increase.","Q4 net income of $0.9M ($0.04 EPS) compared to $6.1M ($0.29 EPS) a year ago; Q4 combined ratio 109.4% vs 98.6%.","Management cites improved trends in Personal Auto and Home/Farm segments from rate and underwriting actions."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-23-000314","json":"https://secwatch.observer/filing/0001174947-23-000314.json","markdown":"https://secwatch.observer/filing/0001174947-23-000314.md","text":"https://secwatch.observer/filing/0001174947-23-000314.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1681206/000117494723000314/0001174947-23-000314-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1681206/000117494723000314/form8k-29462_nodk.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-18T08:33:24.684220+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":"ccb92bafe48ec940c47198335b4c234b23bbfe2a","claim":"NI Holdings, Inc. reported financial results for quarter and year ended December 31, 2022.","evidence_excerpt":"On March 8, 2023, the Company issued a press release announcing its financial results for the quarter and year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1681206/000117494723000314/0001174947-23-000314-index.htm","confidence":0.8,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter and year ended December 31, 2022"},{"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"}