{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-26-000571","form_type":"8-K","ticker":"NODK","cik":"0001681206","company_name":"NI Holdings, Inc.","filed_at":"2026-05-08T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.728359+00:00","generated_at":"2026-05-14T21:08:12.185752+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"NI Holdings Q1 EPS $0.60 vs $0.31; combined ratio improves to 79.7%","bullets":["Gross premiums written $57.5M, down 15.1% YoY, driven by exit from Non-Standard Auto.","Combined ratio improved to 79.7% from 94.4%, driven by Home & Farm and Private Passenger Auto.","Net income $12.5M, up 93.6%; basic EPS $0.60 vs $0.31 in prior year quarter.","Net investment income $2.7M, down 6.4% on lower average fixed income portfolio.","Growth in Home & Farm (+7.3%) and All Other (+60.0%) partially offset auto declines."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-26-000571","json":"https://secwatch.observer/filing/0001174947-26-000571.json","markdown":"https://secwatch.observer/filing/0001174947-26-000571.md","text":"https://secwatch.observer/filing/0001174947-26-000571.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1681206/000117494726000571/0001174947-26-000571-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1681206/000117494726000571/form8k-35852_nodk.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-14T21:08:12.185752+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":"dc97f3fb43483d3ec54c11a8f68908d4058884cc","claim":"NI Holdings, Inc. reported the quarter ended March 31, 2026 results: revenue $57,512, net income $12,508, EPS $0.60.","evidence_excerpt":"profitability and overall operating performance. Three Months Ended March 31, Dollars in thousands, except per share data (unaudited) 2026 2025 Change Gross premiums written $57,512 $67,766 (15.1%) Net premiums earned $55,113 $67,497 (18.3%) Loss and LAE ratio 42.4% 57.1% (14.7 pts) Expense ratio 37.3% 37.3% 0.0 pts Combined ratio 79.7% 94.4% (14.7 pts) Net","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1681206/000117494726000571/0001174947-26-000571-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Revenue","value":"$57,512"},{"label":"Net income","value":"$12,508"},{"label":"EPS","value":"$0.60"},{"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"}