NI Holdings Inc (NODK)vsProgressive Corp (PGR)
NODK
NI Holdings Inc
$14.58
+1.53%
FINANCIAL SERVICES · Cap: $308.04M
PGR
Progressive Corp
$193.46
+0.21%
FINANCIAL SERVICES · Cap: $114.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 32627% more annual revenue ($89.42B vs $273.22M). PGR leads profitability with a 12.9% profit margin vs -1.6%. PGR earns a higher WallStSmart Score of 61/100 (C+).
NODK
Hold45
out of 100
Grade: D
PGR
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 94.9% YoY
Strong operational efficiency at 26.4%
Attractively priced relative to earnings
Every $100 of equity generates 36 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 4.3B in free cash flow
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of -1.7% — below average capital efficiency
Revenue declined 16.6%
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NODK
The strongest argument for NODK centers on Price/Book, EPS Growth, Operating Margin.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : NODK
The primary concerns for NODK are Altman Z-Score, Market Cap, Return on Equity.
Bear Case : PGR
The primary concerns for PGR are Piotroski F-Score, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
NODK profiles as a turnaround stock while PGR is a value play — different risk/reward profiles.
NODK carries more volatility with a beta of 0.38 — expect wider price swings.
PGR is growing revenue faster at 8.7% — sustainability is the question.
PGR generates stronger free cash flow (4.3B), providing more financial flexibility.
Bottom Line
PGR scores higher overall (61/100 vs 45/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
NI Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
NI Holdings, Inc. underwrites property and casualty insurance products in the United States. The company is headquartered in Fargo, North Dakota.
Progressive Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Progressive Corporation is an American insurance company, one of the largest providers of car insurance in the United States. The company insures motorcycles, boats, RVs, and commercial vehicles and provides home insurance through select companies.
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