Head-To-Head Review: NI (NODK) & Its Peers

NI (NASDAQ:NODK) is one of 311 public companies in the “Insurance” industry, but how does it contrast to its competitors? We will compare NI to similar businesses based on the strength of its analyst recommendations, risk, institutional ownership, profitability, valuation, dividends and earnings.

Volatility and Risk

NI has a beta of 0.25, meaning that its stock price is 75% less volatile than the S&P 500. Comparatively, NI’s competitors have a beta of -1.59, meaning that their average stock price is 259% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent recommendations for NI and its competitors, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NI	0	1	0	0	2.00
NI Competitors	3341	15701	16545	743	2.40

As a group, “Insurance” companies have a potential upside of 4.80%. Given NI’s competitors stronger consensus rating and higher probable upside, analysts clearly believe NI has less favorable growth aspects than its competitors.

Insider and Institutional Ownership

21.9% of NI shares are held by institutional investors. Comparatively, 55.8% of shares of all “Insurance” companies are held by institutional investors. 1.0% of NI shares are held by company insiders. Comparatively, 13.5% of shares of all “Insurance” companies are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Profitability

This table compares NI and its competitors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
NI	5.79%	6.11%	2.94%
NI Competitors	8.69%	-9.86%	4.10%

Valuation & Earnings

This table compares NI and its competitors revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
NI	$259.40 million	-$10.41 million	20.82
NI Competitors	$15.41 billion	$1.70 billion	33.62

NI’s competitors have higher revenue and earnings than NI. NI is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Summary

NI competitors beat NI on 11 of the 13 factors compared.

NI Company Profile

NI Holdings, Inc. is an insurance holding company that provides property and casualty insurance through its operating subsidiaries, including Nodak Insurance Company and Primero Insurance Company. The company serves individuals, farmers, families and businesses primarily in North Dakota, South Dakota and Minnesota. Its insurance offerings include personal auto, homeowners, farmowners, commercial and agricultural coverage, along with other related property and liability products. NI Holdings distributes its policies through independent agents, including agents affiliated with Farm Bureau organizations.