{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-25-000722","form_type":"8-K","ticker":"NODK","cik":"0001681206","company_name":"NI Holdings, Inc.","filed_at":"2025-05-09T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.318868+00:00","generated_at":"2026-05-22T01:48:37.643887+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"NI Holdings Q1 net income $6.46M, EPS $0.31; premiums down 18.4% on strategic Non-Standard Auto pullback","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-25-000722","json":"https://secwatch.observer/filing/0001174947-25-000722.json","markdown":"https://secwatch.observer/filing/0001174947-25-000722.md","text":"https://secwatch.observer/filing/0001174947-25-000722.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1681206/000117494725000722/0001174947-25-000722-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1681206/000117494725000722/form8k-34190_nodk.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T01:48:37.643887+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"}