NODK PEER ANALYSIS

NI Holdings Inc — metric-by-metric comparison with peers and the industry median

NODKNI Holdings Inc

🇺🇸 USA · NASDAQ · Financial Services · Insurance - Property & Casualty

Value it Duel

Overall Profile & Returns

· Insurance - Property & Casualty

Position Within Industry

0 = weak quartile, 100 = strong quartile

NODKIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	NODK	ADM	HSX	TURSG	DFY	GJF	Ind. Median
P/E	—	14.94	7.88	2.82●	24.19	—	12.74
P/B	1.32	7.68	2.17	1.10●	2.32	6.22	2.06
EV/EBITDA	—	11.74	10.00●	—	14.51	—	7.43
P/S	—	—	—	—	—	—	—

Financial Health
Metric	NODK	ADM	HSX	TURSG	DFY	GJF	Ind. Median
Current Ratio	1.15	6.56●	—	1.36	1.25	—	0.89
Debt/Equity	—	131.2%	22.8%	0.0%●	43.4%	—	27.1%
NetDebt/EBITDA	—	1.47	0.03●	—	1.65	—	-0.70

Profitability
Metric	NODK	ADM	HSX	TURSG	DFY	GJF	Ind. Median
Net Margin	-1.6%	13.5%	13.8%●	—	6.9%	—	10.8%
ROE	-1.7%	52.8%●	28.5%	49.4%	10.5%	—	18.0%
ROA	-0.9%	8.8%	9.3%	14.1%●	3.7%	—	4.4%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	NODK	ADM	HSX	TURSG	DFY	GJF	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	12.0%	5.2%	55.4%●	-6.5%	—	42.9%
Div. Yield	—	4.3%●	2.7%	—	1.0%	3.7%	1.9%
Payout	—	96.3%	12.5%	—	23.9%	—	33.8%

Valuation
Metric	NODK	ACIC	DGICA	HIPO	SAFT	TRUP	Ind. Median
P/E	—	5.40●	10.73	6.58	17.76	45.50	12.74
P/B	1.32	1.70	1.09●	1.65	1.31	2.97	2.06
EV/EBITDA	—	2.98	2.72	2.34●	4.57	15.62	7.43
P/S	—	—	—	—	—	—	—

Financial Health
Metric	NODK	ACIC	DGICA	HIPO	SAFT	TRUP	Ind. Median
Current Ratio	1.15	1.26	0.74	1.17	0.82	1.73●	0.89
Debt/Equity	—	46.0%	5.4%●	11.5%	7.1%	27.7%	27.1%
NetDebt/EBITDA	—	-0.47	-5.67	-4.03	-7.41●	-4.77	-0.70

Profitability
Metric	NODK	ACIC	DGICA	HIPO	SAFT	TRUP	Ind. Median
Net Margin	-1.6%	31.3%●	6.8%	23.4%	5.0%	1.7%	10.8%
ROE	-1.7%	35.4%●	10.6%	29.2%	7.4%	7.1%	18.0%
ROA	-0.9%	9.7%●	2.7%	6.2%	2.7%	2.9%	4.4%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	NODK	ACIC	DGICA	HIPO	SAFT	TRUP	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	42.6%●	-6.4%	—	-13.1%	—	42.9%
Div. Yield	—	6.5%●	3.8%	—	4.8%	—	1.9%
Payout	—	34.9%	40.1%	—	85.5%	—	33.8%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.