diff --git a/frontend/src/components/Dashboard/StatsCard.test.tsx b/frontend/src/components/Dashboard/StatsCard.test.tsx
new file mode 100644
index 0000000..1183d15
--- /dev/null
+++ b/frontend/src/components/Dashboard/StatsCard.test.tsx
@@ -0,0 +1,95 @@
+import { describe, it, expect } from "vitest";
+import { render, screen } from "@testing-library/react";
+import "@testing-library/jest-dom";
+import StatsCard from "./StatsCard";
+
+describe("StatsCard", () => {
+  // -------------------------------------------------------------------------
+  // Normal rendering
+  // -------------------------------------------------------------------------
+  describe("normal value rendering", () => {
+    it("renders the title", () => {
+      render(<StatsCard title="Total Settlements" value="42" />);
+      expect(screen.getByText("Total Settlements")).toBeInTheDocument();
+    });
+
+    it("renders the value when provided", () => {
+      render(<StatsCard title="Total Settlements" value="42" />);
+      expect(screen.getByText("42")).toBeInTheDocument();
+    });
+
+    it("does not render a skeleton when value is a non-empty string", () => {
+      render(<StatsCard title="Total Settlements" value="42" />);
+      expect(screen.queryByRole("status")).not.toBeInTheDocument();
+    });
+
+    it("renders value '0' without a skeleton (falsy-but-valid value)", () => {
+      render(<StatsCard title="Disputes" value="0" />);
+      expect(screen.getByText("0")).toBeInTheDocument();
+      expect(screen.queryByRole("status")).not.toBeInTheDocument();
+    });
+  });
+
+  // -------------------------------------------------------------------------
+  // Loading skeleton for null / undefined
+  // -------------------------------------------------------------------------
+  describe("loading skeleton state", () => {
+    it("renders a loading skeleton when value is null", () => {
+      render(<StatsCard title="Total Settlements" value={null} />);
+      expect(screen.getByRole("status")).toBeInTheDocument();
+    });
+
+    it("renders a loading skeleton when value is undefined", () => {
+      render(<StatsCard title="Total Settlements" value={undefined} />);
+      expect(screen.getByRole("status")).toBeInTheDocument();
+    });
+
+    it("does not render the value paragraph when value is null", () => {
+      render(<StatsCard title="Total Settlements" value={null} />);
+      // The value paragraph should be absent; only the skeleton status element.
+      const valueEl = screen.queryByText(/^\d/);
+      expect(valueEl).not.toBeInTheDocument();
+    });
+
+    it("skeleton has an accessible label that includes the card title", () => {
+      render(<StatsCard title="Active Disputes" value={null} />);
+      // The Skeleton component renders with aria-label on the status div.
+      expect(screen.getByRole("status", { name: /Active Disputes/i })).toBeInTheDocument();
+    });
+
+    it("still renders the card title while the value is loading", () => {
+      render(<StatsCard title="Pending Approvals" value={null} />);
+      expect(screen.getByText("Pending Approvals")).toBeInTheDocument();
+    });
+  });
+
+  // -------------------------------------------------------------------------
+  // Variant classes
+  // -------------------------------------------------------------------------
+  describe("variant prop", () => {
+    it("applies the default variant class by default", () => {
+      const { container } = render(<StatsCard title="T" value="1" />);
+      expect(container.firstChild).toHaveClass("stats-card--default");
+    });
+
+    it("applies the success variant class", () => {
+      const { container } = render(<StatsCard title="T" value="1" variant="success" />);
+      expect(container.firstChild).toHaveClass("stats-card--success");
+    });
+
+    it("applies the warning variant class", () => {
+      const { container } = render(<StatsCard title="T" value="1" variant="warning" />);
+      expect(container.firstChild).toHaveClass("stats-card--warning");
+    });
+
+    it("applies the danger variant class", () => {
+      const { container } = render(<StatsCard title="T" value="1" variant="danger" />);
+      expect(container.firstChild).toHaveClass("stats-card--danger");
+    });
+
+    it("applies the correct variant class even when value is null (loading state)", () => {
+      const { container } = render(<StatsCard title="T" value={null} variant="danger" />);
+      expect(container.firstChild).toHaveClass("stats-card--danger");
+    });
+  });
+});
diff --git a/frontend/src/components/Dashboard/StatsCard.tsx b/frontend/src/components/Dashboard/StatsCard.tsx
index 3e00243..8704984 100644
--- a/frontend/src/components/Dashboard/StatsCard.tsx
+++ b/frontend/src/components/Dashboard/StatsCard.tsx
@@ -1,8 +1,9 @@
+import { Skeleton } from "../Skeleton";
 import "./StatsCard.css";
 
 interface StatsCardProps {
   title: string;
-  value: string;
+  value: string | null | undefined;
   variant?: "default" | "success" | "warning" | "danger";
 }
 
@@ -10,7 +11,16 @@ export default function StatsCard({ title, value, variant = "default" }: StatsCa
   return (
     <div className={`stats-card stats-card--${variant}`}>
       <h3 className="stats-card-title">{title}</h3>
-      <p className="stats-card-value">{value}</p>
+      {value == null ? (
+        <Skeleton
+          width="60%"
+          height="32px"
+          aria-label={`Loading ${title}`}
+          className="stats-card-skeleton"
+        />
+      ) : (
+        <p className="stats-card-value">{value}</p>
+      )}
     </div>
   );
 }