{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-25-000306","form_type":"8-K","ticker":"NODK","cik":"0001681206","company_name":"NI Holdings, Inc.","filed_at":"2025-03-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.424282+00:00","generated_at":"2026-05-25T03:50:42.461612+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"NI Holdings Q4 net income $9.8M; full-year combined ratio 100.7% from Non-Standard Auto weakness","bullets":["Q4 net income attributable $9.8M ($0.47 EPS); continuing ops net income fell 48.7% YoY to $9.8M.","Full-year combined ratio 100.7% vs 97.0%, driven by Non-Standard Auto reserve development and Home and Farm loss severity.","Net investment income increased 36.2% to $10.9M on higher fixed income reinvestment rates.","Direct written premiums Q4 down 7.9% to $73.1M; full year up 0.3% to $342.3M.","Management executing aggressive strategic actions in Non-Standard Auto to reduce earnings volatility."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-25-000306","json":"https://secwatch.observer/filing/0001174947-25-000306.json","markdown":"https://secwatch.observer/filing/0001174947-25-000306.md","text":"https://secwatch.observer/filing/0001174947-25-000306.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1681206/000117494725000306/0001174947-25-000306-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1681206/000117494725000306/form8k-33628_nodk.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-25T03:50:42.461612+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"}