NI Holdings Inc - Asset Resilience Ratio
NI Holdings Inc (NODK) has an Asset Resilience Ratio of 25.04% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check NI Holdings Inc (NODK) strategic asset index to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2014–2024)
This chart shows how NI Holdings Inc's Asset Resilience Ratio has changed over time. See NI Holdings Inc (NODK) balance sheet quality index to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down NI Holdings Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see NODK market cap overview.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $136.18 Million | 25.04% |
| Total Liquid Assets | $136.18 Million | 25.04% |
Asset Resilience Insights
- Very High Liquidity: NI Holdings Inc maintains exceptional liquid asset reserves at 25.04% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
NI Holdings Inc Industry Peers by Asset Resilience Ratio
Compare NI Holdings Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
QBE Insurance Group Ltd
AU:QBE |
Insurance - Property & Casualty | 3.80% |
|
PICC Property and Casualty Company Limited
F:PJC |
Insurance - Property & Casualty | 33.32% |
|
Suncorp Group Ltd
AU:SUNPH |
Insurance - Property & Casualty | 69.36% |
|
Suncorp Group Ltd
AU:SUN |
Insurance - Property & Casualty | 3.36% |
|
Insurance Australia Group Ltd
AU:IAG |
Insurance - Property & Casualty | 2.07% |
|
Fairfax Financial Holdings Ltd
TO:FFH |
Insurance - Property & Casualty | 4.66% |
|
Definity Financial Corp
TO:DFY |
Insurance - Property & Casualty | 2.07% |
|
Intact Financial Corporation
TO:IFC |
Insurance - Property & Casualty | 27.27% |
Annual Asset Resilience Ratio for NI Holdings Inc (2014–2024)
The table below shows the annual Asset Resilience Ratio data for NI Holdings Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 26.79% | $141.04 Million | $526.54 Million | -20.22pp |
| 2023-12-31 | 47.01% | $289.40 Million | $615.68 Million | +46.68pp |
| 2022-12-31 | 0.33% | $2.00 Million | $614.23 Million | -55.62pp |
| 2021-12-31 | 55.95% | $364.65 Million | $651.78 Million | +4.07pp |
| 2020-12-31 | 51.88% | $320.41 Million | $617.60 Million | -6.36pp |
| 2019-12-31 | 58.24% | $295.94 Million | $508.16 Million | -7.95pp |
| 2018-12-31 | 66.19% | $303.47 Million | $458.49 Million | -9.23pp |
| 2017-12-31 | 75.42% | $284.32 Million | $376.99 Million | +8.18pp |
| 2016-12-31 | 67.24% | $187.39 Million | $278.70 Million | -2.84pp |
| 2015-12-31 | 70.07% | $181.23 Million | $258.62 Million | +4.38pp |
| 2014-12-31 | 65.69% | $162.41 Million | $247.22 Million | -- |
About NI Holdings Inc
NI Holdings, Inc., together with its subsidiaries, underwrites property and casualty insurance products in the United States. Its products include private passenger auto, homeowners, farm owners, commercial multi-peril, crop hail, and federal multi-peril crop insurance policies, as well as non-standard automobile insurance policies. The company was founded in 1946 and is headquartered in Fargo, N… Read more