{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-25-001357","form_type":"8-K","ticker":"NODK","cik":"0001681206","company_name":"NI Holdings, Inc.","filed_at":"2025-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.134444+00:00","generated_at":"2026-05-16T23:05:23.602706+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"NI Holdings reports Q3 net loss $1.7M ($0.08/sh); direct premiums down 13.7% YoY","bullets":["Direct written premiums $58.5M, down 13.7% YoY; Non-Standard Auto down 80% due to strategic exit in IL, AZ, SD.","Combined ratio improved slightly to 109.1% from 111.0%, but still elevated; adverse prior-year development contributed 11.2 pts.","Net loss attributable to NI Holdings of $1.7M vs $2.7M loss in Q3 2024; basic loss per share $(0.08).","Net investment income up 8.1% to $3.0M; net investment gains fell 43.5% to $1.4M.","CEO Cindy Launer noted strategic shift away from non-standard auto for stronger underwriting performance."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-25-001357","json":"https://secwatch.observer/filing/0001174947-25-001357.json","markdown":"https://secwatch.observer/filing/0001174947-25-001357.md","text":"https://secwatch.observer/filing/0001174947-25-001357.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1681206/000117494725001357/0001174947-25-001357-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1681206/000117494725001357/form8k-34845_nodk.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T23:05:23.602706+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"}