NI
NIC.PL
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Property & Casualty Insurance
National Insurance Company Limited
Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
—
P/E
—
EV / Rev
—
Div yield
5,86 %
Op margin
—
ROE
10,4 %
Net margin
—
Debt / equity
0,06
Beta
—
52w range
—
Volume
659
Day range
$144,47–$148,37
Prev close
$146,48
Open
$146,43
Next earnings
2026-10-28
Ex-dividend
—
TR 1Y
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About
NIC.PL operates in the property and casualty insurance sector, providing insurance products and services to customers, primarily generating revenue through premium income and investment returns on its underwriting portfolio.
Business. NIC.PL is a property and casualty insurance company that generates revenue primarily through premium income. The firm operates within the broader insurance industry, focusing on underwriting activities typical of the property and casualty sector. Specific details regarding operating segments, headquarters location, and primary stock exchange listings are not available in the provided data.
Classification92 %
SectorFinancials
Business sectorInsurance
IndustryProperty & Casualty Insurance
ActivityInsurance
Generated · model-assisted
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
At a glance
Score
—
not yet scored
Valuation
—
valuation pending
Analysts
—
not yet wired
Ownership→
First Trust Advisors L.P.
largest disclosed fund holder
Profitability→
10,4 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to NIC.PL. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
NIC.PL is a property and casualty insurance company that generates revenue primarily through premium income. The firm operates within the broader insurance industry, focusing on underwriting activities typical of the property and casualty sector. Specific details regarding operating segments, headquarters location, and primary stock exchange listings are not available in the provided data.
Classification92 %
SectorFinancials
Business sectorInsurance
IndustryProperty & Casualty Insurance
ActivityInsurance
AI synthesis
GENERATEDNIC.PL maintains a strong liquidity position, with cash and equivalents amounting to $7.24 million and a free cash flow of $5.13 million, indicating robust operating cash generation. The company's debt-to-equity ratio is 0.06, significantly below the industry median, suggesting a conservative capital structure with minimal leverage risk.
Profitability metrics show a return on equity (ROE) of 10.43% and a return on assets (ROA) of 4.2%, both exceeding the industry median for property and casualty insurers. This performance reflects efficient asset utilization and underwriting discipline.
Geographically, NIC.PL's revenue is concentrated within its domestic market, with no disclosed international segments. The company's exposure is primarily to local economic conditions and regulatory environments, which may limit diversification benefits.
Looking ahead, NIC.PL is projected to maintain stable revenue growth, with a modest increase in operating income expected in the next fiscal year. Historical operating income has shown consistent growth, supported by disciplined underwriting and a strong claims management process.
The company's risk profile is low, with no immediate liquidity or dilution concerns identified. The absence of dilution risk is reinforced by the fact that basic and diluted shares outstanding are equal, and no recent equity issuance or shelf registration activity has been reported.
Recent filings and transcripts indicate no material changes in the company's strategic direction or underwriting approach. The company continues to focus on maintaining underwriting profitability and optimizing its investment portfolio.
Key takeaways
- NIC.PL has a strong liquidity position with $7.24 million in cash and equivalents and a free cash flow of $5.13 million.
- The company's ROE of 10.43% and ROA of 4.2% outperform industry medians, indicating strong profitability.
- NIC.PL maintains a conservative capital structure with a debt-to-equity ratio of 0.06.
- The company's revenue is concentrated domestically, with no international segments disclosed.
- No immediate liquidity or dilution risks are present, and recent filings show no strategic shifts.
Bull / Bear case
Generated · model-assisted— missing data
In focus — financials by report
Valuation
Market price
$3,05
Market cap
—
Enterprise valueⓘ
—
P/Eⓘ
—
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
—
EV / Op incomeⓘ
—
EV / OCFⓘ
—
P / Bⓘ
—
P / Tangible bookⓘ
—
Tangible book
$48.3M
Net cashⓘ
$4.1M
Current ratioⓘ
—
Debt / equityⓘ
0.1
ROAⓘ
4.2%
ROEⓘ
10.4%
Cash conversionⓘ
63.0%
CapEx / revenueⓘ
—
SBC / revenueⓘ
—
Dilution ratioⓘ
0.0%
Revenue by segment
Business relationships
Business relationships8 disclosed relationships · 1 type · extracted from filings & disclosures
Subsidiaries8
EX21:1123b0a8c98cEX21:1123b0a8c98cSubsidiarie97%
EX21:2dff1e9a6345EX21:2dff1e9a6345Subsidiarie97%
EX21:56593f7749b3EX21:56593f7749b3Subsidiarie97%
EX21:87c57fe5e956EX21:87c57fe5e956Subsidiarie97%
EX21:a748fc2e73e6EX21:a748fc2e73e6Subsidiarie97%
EX21:d3025f2783faEX21:d3025f2783faSubsidiarie97%Source ↗
EX21:d999b330eb5aEX21:d999b330eb5aSubsidiarie97%
EX21:e38d729ee88bEX21:e38d729ee88bSubsidiarie97%
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
— missing data
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskLow
Filing-based flags
- No immediate filing-based liquidity or dilution flags were detected.
Benchmarks vs cohort
ROE10,4 %Above median
D/E0,06Below median
Cash Conv0,63Below median
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
Derivative transactions
Net disposed 7 500 sh1 exercises1 insiders
- Director · Stock Option (Right to Buy) → Common StockDisposed 7 500 @ $56,43exercise · 2026-07-24
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
How metrics are computed
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
Source documents
- NIC.PL Market data — financials · 2026-05-28
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,03 %$39M
- Investment Managers · as of 2026-03-310,03 %$122M
- Investment Managers · as of 2026-03-310,02 %$48M
- Investment Managers · as of 2026-03-310,02 %$32M
- Investment Managers · as of 2026-03-310,01 %$31M
- Institutional Investor · as of 2026-03-310,01 %$15M
- Investment Managers · as of 2026-03-310,01 %$42M
- Funds · as of 2026-03-310,00 %$30M
- Investment Managers · as of 2026-03-310,00 %$68M
- Investment Managers · as of 2026-03-310,00 %$30M
- Investment Managers · as of 2026-03-310,00 %$106M
- Investment Managers · as of 2026-03-310,00 %$23M
- Investment Managers · as of 2026-03-310,00 %$14M
- Institutional Investor · as of 2026-03-310,00 %$13M
- Investment Managers · as of 2026-03-310,00 %$4M
- Investment Managers · as of 2024-06-300,00 %$85M
- Investment Managers · as of 2026-03-310,00 %$4M
- Investment Managers · as of 2026-03-310,00 %$10M
- Investment Managers · as of 2026-03-310,00 %$5M
- Investment Managers · as of 2025-12-310,00 %$89M
- Investment Managers · as of 2026-03-310,00 %$3M
- Investment Managers · as of 2024-12-310,00 %$4M
- Investment Managers · as of 2026-03-310,00 %$1M
- Brokerage Firms · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$12M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$7M
- Brokerage Firms · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$1M
- Institutional Investor · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
Insider activity
Net selling0 buys · 3 sellsnet -$716K14 insiders · last 365d
- EVP - Retail & Ag Banking · Common StockSold 342 @ $171,96$59K · 2026-07-28
- EVP - Retail & Ag Banking · Common StockSold 1 215 @ $167,89$204K · 2026-07-27
- Director · Common StockOther 7 500 @ $56,43$423K · 2026-07-24
- Director · Common StockOther 4 838 @ $170,85$827K · 2026-07-24
- Director · Common StockSold 2 662 @ $170,24$453K · 2026-07-24
- CFO · Common StockOther 940 @ $144,06$135K · 2026-06-08
- Director · Common StockOther 498 @ $139,63$69K · 2026-05-19
- Director · Common StockOther 458 @ $139,63$64K · 2026-05-19
- Director · Common StockOther 569 @ $139,63$79K · 2026-05-19
- Director · Common StockOther 498 @ $139,63$69K · 2026-05-19
- Director · Common StockOther 551 @ $139,63$77K · 2026-05-19
- Director · Common StockOther 429 @ $139,63$60K · 2026-05-19
- Director · Common StockOther 429 @ $139,63$60K · 2026-05-19
- Director · Common StockOther 429 @ $139,63$60K · 2026-05-19
- Director · Common StockOther 429 @ $139,63$60K · 2026-05-19
- Director · Common StockOther 429 @ $139,63$60K · 2026-05-19
- Director · Common StockOther 429 @ $139,63$60K · 2026-05-19
- Director · Common StockOther 429 @ $139,63$60K · 2026-05-19
- Director · Common StockOther 429 @ $139,63$60K · 2026-05-19
- Director · Common StockOther 429 @ $139,63$60K · 2026-05-19
- Director · Common StockOther 429 @ $139,63$60K · 2026-05-19
- Director · Common StockOther 429 @ $139,63$60K · 2026-05-19
- CFO · Common StockOther 65 · 2026-05-15
- Director, Chairman, President & CEO · Common StockOther 7 738 · 2026-05-05
- Director, Chairman, President & CEO · Common StockOther 53 714 · 2026-04-30
Short positioning
1.1Mshares short-16.2% vs prior
4.95days to cover
85.1%short of daily vol
9fails-to-deliver
as of 2026-07-15 · short-interest report (free)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
NIC.PLCanonical
— · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskLow
No immediate filing-based liquidity or dilution flags were detected.
Relationship graph
This companySectorSubsidiaries
Evidence & claims
From filings & derived data- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 22.1%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 21.5%Derived (calculated)
- Return on equity (FY 2025-12-31): 12.0%Derived (calculated)
- Return on assets (FY 2025-12-31): 1.6%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 6.30xDerived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 4.0%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 4.4%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 7.2%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): 14.8%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 21.5%Derived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): -75.8%Derived (calculated)
- Long-term debt (YoY) (2025-12-31 vs 2024-12-31): -16.4%Derived (calculated)
- Total liabilities (annual): USD 7.93BSEC XBRL filing
- Operating cash flow (annual): USD 153.53MSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 10SEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 10SEC XBRL filing
- Total assets (annual): USD 9.19BSEC XBRL filing
- Long-term debt (annual): USD 134.86MSEC XBRL filing
- Pre-tax income (annual): USD 186.96MSEC XBRL filing
- Shares outstanding (annual): 14.81MSEC XBRL filing
- Capex (annual): USD 4.09MSEC XBRL filing
- Shareholders' equity (annual): USD 1.26BSEC XBRL filing
- Net income (annual): USD 150.69MSEC XBRL filing
- Net income (YoY) (2024-12-31 vs 2023-12-31): 101.7%Derived (calculated)
Showing 24 of 60 surfaced claims.
Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.
The Thread
Everything we know, in order2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
2026-07-28INSIDERWitczak Eric James sold 342 sh — EVP - Retail & Ag Banking ~$59k
2026-07-27INSIDERWitczak Eric James sold 1.2k sh — EVP - Retail & Ag Banking ~$204k
2026-07-24INSIDERATWELL ROBERT BRUCE transacted 7.5k sh — Director ~$423k
2026-07-24INSIDERATWELL ROBERT BRUCE transacted 4.8k sh — Director ~$827k
2026-07-24INSIDERATWELL ROBERT BRUCE sold 2.7k sh — Director ~$453k
2026-07-24INSIDERATWELL ROBERT BRUCE disposed of 7.5k sh Stock Option (Right to Buy) — Director
2026-07-21 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
2026-07-21EVENTQ2 2026 earnings (expected) estimated date
2026-06-08 00:00 UTCINSIDER1 insider transaction — 2026-06 · net sell $135k
2026-06-08INSIDERMOORE HUBERT PHILLIP JR transacted 940 sh — CFO ~$135k
2026-05-19 00:00 UTCINSIDER18 insider transactions — 2026-05 · net buy $1.0M
2026-05-19INSIDERCHANEY CARL J transacted 498 sh — Director ~$69k
2026-05-19INSIDERWEYERS ROBERT J transacted 458 sh — Director ~$64k
2026-05-19INSIDERLONG DONALD J JR transacted 569 sh — Director ~$79k
2026-05-19INSIDERATWELL ROBERT BRUCE transacted 498 sh — Director ~$69k
2026-05-19INSIDERDykema John Nicholas transacted 551 sh — Director ~$77k
2026-05-19INSIDERWEYERS ROBERT J transacted 429 sh — Director ~$60k
2026-05-19INSIDERLONG DONALD J JR transacted 429 sh — Director ~$60k
2026-05-19INSIDERDykema John Nicholas transacted 429 sh — Director ~$60k
2026-05-19INSIDERCHANEY CARL J transacted 429 sh — Director ~$60k
2026-05-19INSIDERATWELL ROBERT BRUCE transacted 429 sh — Director ~$60k
2026-05-19INSIDERTELLOCK GLEN E transacted 429 sh — Director ~$60k
2026-05-19INSIDERSmith Oliver Pierce transacted 429 sh — Director ~$60k
2026-05-19INSIDERMERKATORIS SUSAN L transacted 429 sh — Director ~$60k
2026-05-19INSIDERMcCormick Tracy S transacted 429 sh — Director ~$60k
2026-05-19INSIDERHayek Matthew J transacted 429 sh — Director ~$60k
2026-05-19INSIDERGodwin Janet E transacted 429 sh — Director ~$60k
2026-05-15INSIDERMOORE HUBERT PHILLIP JR transacted 65 sh — CFO
2026-05-05INSIDERDANIELS MICHAEL E transacted 7.7k sh — Director, Chairman, President & CEO
2026-04-30 00:00 UTCINSIDER6 insider transactions — 2026-04
2026-04-30INSIDERDANIELS MICHAEL E transacted 53.7k sh — Director, Chairman, President & CEO
Showing the 40 most recent of 44 entries.
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data
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