NI Holdings Inc (NODK)vsProgressive Corp (PGR)
NODK
NI Holdings Inc
$12.95
-1.07%
FINANCIAL SERVICES · Cap: $271.38M
PGR
Progressive Corp
$202.84
-1.63%
FINANCIAL SERVICES · Cap: $120.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 30644% more annual revenue ($87.64B vs $285.05M). PGR leads profitability with a 12.9% profit margin vs -3.6%. PGR earns a higher WallStSmart Score of 67/100 (B-).
NODK
Avoid30
out of 100
Grade: F
PGR
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for NODK.
Margin of Safety
+76.9%
Fair Value
$900.43
Current Price
$202.84
$697.59 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Every $100 of equity generates 41 in profit
Large-cap with strong market position
Earnings expanding 25.2% YoY
Generating 3.0B in free cash flow
Areas to Watch
0.6% earnings growth
Smaller company, higher risk/reward
ROE of -4.3% — below average capital efficiency
Revenue declined 17.5%
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : NODK
The strongest argument for NODK centers on Price/Book.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : NODK
The primary concerns for NODK are EPS Growth, Market Cap, Return on Equity.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio.
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 12.2% — sustainability is the question.
PGR generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
PGR scores higher overall (67/100 vs 30/100) and 12.2% revenue growth. Both earn "Strong Buy" and "Avoid" 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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