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JPM vs NODK

JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%
NODK
NI Holdings, Inc.
BEARISH
Price
$12.82
Market Cap
$263.3M
Sector
Financial Services
AI Confidence
90%

Valuation

P/E Ratio
JPM
15.68
NODK
--
Forward P/E
JPM
13.42
NODK
--
P/B Ratio
JPM
2.47
NODK
1.1
P/S Ratio
JPM
5.03
NODK
0.92
EV/EBITDA
JPM
--
NODK
-18.46

Profitability

Gross Margin
JPM
0.0%
NODK
-4.32%
Operating Margin
JPM
41.06%
NODK
-4.75%
Profit Margin
JPM
33.91%
NODK
-3.65%
ROE
JPM
16.13%
NODK
-4.29%
ROA
JPM
1.35%
NODK
-1.49%

Growth

Revenue Growth
JPM
2.5%
NODK
-17.5%
Earnings Growth
JPM
-3.6%
NODK
--

Financial Health

Debt/Equity
JPM
--
NODK
0.01
Current Ratio
JPM
--
NODK
0.51
Quick Ratio
JPM
--
NODK
0.46

Dividends

Dividend Yield
JPM
1.91%
NODK
--
Payout Ratio
JPM
28.97%
NODK
0.0%

AI Verdict

JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)
NODK BEARISH

NI Holdings (NODK) exhibits severe financial distress, highlighted by a Piotroski F-Score of 0/9, indicating a total lack of improvement in financial health. The company is struggling with negative profitability across all margins and a significant revenue contraction of -17.50% YoY. Liquidity is a primary concern with a Current Ratio of 0.51, suggesting the company may struggle to meet short-term obligations. Combined with a bearish technical trend and zero analyst coverage, the outlook is highly negative.

Strengths
Extremely low Debt/Equity ratio (0.01)
Price-to-Book ratio (1.10) is relatively close to book value
Price-to-Sales ratio (0.92) suggests low valuation relative to revenue
Risks
Critical financial health failure (Piotroski F-Score 0/9)
Severe revenue decline (-17.50% YoY and Q/Q)
Negative Return on Equity (-4.29%) and Return on Assets (-1.49%)

Compare Another Pair

JPM vs NODK: Head-to-Head Comparison

This page compares JPMorgan Chase & Co. (JPM) and NI Holdings, Inc. (NODK) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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