{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-26-000307","form_type":"8-K","ticker":"NODK","cik":"0001681206","company_name":"NI Holdings, Inc.","filed_at":"2026-03-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.877376+00:00","generated_at":"2026-05-15T18:47:51.470777+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 Q4 loss $0.15/sh; combined ratio 109.6% on reserve strengthening","bullets":["Direct written premiums fell 26% to $54.1M in Q4; full year down 15.3% to $289.8M.","Combined ratio 109.6% in Q4 (+29.6 pts), 109.9% FY 2025, on non-standard auto reserve strengthening.","Net loss of $3.2M in Q4 vs. income $9.8M prior year; full year net loss $10.4M, loss per share $0.50.","Strategic exit of Non-Standard Auto in IL, AZ, SD; historic ND Q2 catastrophe impacted Home and Farm segment.","Net investment income up 6.9% to $11.7M for full year; core lines remained solid per management."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-26-000307","json":"https://secwatch.observer/filing/0001174947-26-000307.json","markdown":"https://secwatch.observer/filing/0001174947-26-000307.md","text":"https://secwatch.observer/filing/0001174947-26-000307.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1681206/000117494726000307/0001174947-26-000307-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1681206/000117494726000307/form8k-35374_nodk.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T18:47:51.470777+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":"2d9b60dbbf01e3608106fcda1fd20fefd8369c9d","claim":"NI Holdings, Inc. reported financial results for the quarter and year ended December 31, 2025.","evidence_excerpt":"On March 6, 2026, the Company issued a press release announcing its financial results for the quarter and year ended December 31, 2025.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1681206/000117494726000307/0001174947-26-000307-index.htm","confidence":0.4,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and year ended December 31, 2025"},{"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"}