NI Holdings, Inc. (NODK) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Trupanion, Inc.

Skyward Specialty Insurance Group, Inc.

CNO Financial Group, Inc.

White Mountains Insurance Group Ltd.

F&G Annuities & Life, Inc.

Donegal Group, Inc.

Baldwin Insurance Group, Inc.

James River Group Holdings Ltd.

Fidelis Insurance Holdings Ltd.

NI Holdings, Inc.

Argo Group International Holdings Ltd.

Why is NI Holdings, Inc. ?

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 4.52%

Poor long term growth as Operating profit has grown by an annual rate of 0%

Negative results in Jun 25

NET SALES(HY) At USD 147.49 MM has Grown at -17.68%
OPERATING PROFIT(Q) Lowest at USD -15.32 MM
OPERATING PROFIT MARGIN(Q) Lowest at -20.15 %

With ROE of 3.15%, it has a expensive valuation with a 1.14 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -16.39%, its profits have fallen by -19.1%

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -16.39% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is NI Holdings, Inc. for you?

Low Risk, Low Return

Absolute

Risk Adjusted

Volatility

NI Holdings, Inc.

-18.16%

-0.41

26.42%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

1.84%

EBIT Growth (5y)

EBIT to Interest (avg)

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

32.40%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

26.58%

ROCE (avg)

ROE (avg)

4.52%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.14

EV to EBIT

EV to EBITDA

222.26

EV to Capital Employed

1.19

EV to Sales

0.69

PEG Ratio

Dividend Yield

ROCE (Latest)

ROE (Latest)

3.15%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Bearish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Mildly Bearish

Moving Averages

Bullish (Daily)

KST

Bullish

Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

2What is working for the Company

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

DEBT-EQUITY RATIO (HY)

Lowest at -22.68 %

-22What is not working for the Company

NET SALES(HY)

At USD 147.49 MM has Grown at -17.68%

OPERATING PROFIT(Q)

Lowest at USD -15.32 MM

OPERATING PROFIT MARGIN(Q)

Lowest at -20.15 %

PRE-TAX PROFIT(Q)

Lowest at USD -15.32 MM

NET PROFIT(Q)

Lowest at USD -12.05 MM

EPS(Q)

Lowest at USD -0.57

Here's what is working for NI Holdings, Inc.

Debt-Equity Ratio

Lowest at -22.68 %

in the last five Semi-Annual periods

MOJO Watch

The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Raw Material Cost

Fallen by 0% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for NI Holdings, Inc.

Pre-Tax Profit

At USD -15.32 MM has Fallen at -624.39%

over average net sales of the previous four periods of USD 2.92 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD -12.05 MM has Fallen at -702.91%

over average net sales of the previous four periods of USD 2 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Net Sales

At USD 147.49 MM has Grown at -17.68%

Year on Year (YoY)

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Operating Profit

Lowest at USD -15.32 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at -20.15 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD -15.32 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD -12.05 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD -0.57

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)