NI Holdings Q1 net income $6.46M, EPS $0.31; premiums down 18.4% on strategic Non-Standard Auto pullback

NI Holdings, Inc.

2025-Q1 EPS reported $0.31 revenue$71,434,000

Direct written premiums $67.7M, down 18.4% YoY due to exiting Nevada and reducing Chicago Non-Standard Auto.
Combined ratio of 94.4% (vs 93.9% prior year); expense ratio up 0.8 pts to 37.3%.
Net investment income rose 3.0% to $2.8M on higher average invested assets.
Basic EPS $0.31 (cont. ops $0.31 vs $0.33 prior); ROAE 10.4% vs 12.1%.
Positive momentum in core personal lines; Home and Farm benefited from favorable weather and lower large loss frequency.

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