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MA vs NODK

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
NODK
NI Holdings, Inc.
BEARISH
Price
$12.82
Market Cap
$263.3M
Sector
Financial Services
AI Confidence
90%

Valuation

P/E Ratio
MA
30.28
NODK
--
Forward P/E
MA
22.05
NODK
--
P/B Ratio
MA
57.74
NODK
1.1
P/S Ratio
MA
13.6
NODK
0.92
EV/EBITDA
MA
22.13
NODK
-18.46

Profitability

Gross Margin
MA
100.0%
NODK
-4.32%
Operating Margin
MA
57.73%
NODK
-4.75%
Profit Margin
MA
45.65%
NODK
-3.65%
ROE
MA
209.91%
NODK
-4.29%
ROA
MA
23.72%
NODK
-1.49%

Growth

Revenue Growth
MA
17.6%
NODK
-17.5%
Earnings Growth
MA
24.2%
NODK
--

Financial Health

Debt/Equity
MA
2.56
NODK
0.01
Current Ratio
MA
1.03
NODK
0.51
Quick Ratio
MA
0.68
NODK
0.46

Dividends

Dividend Yield
MA
0.7%
NODK
--
Payout Ratio
MA
18.4%
NODK
0.0%

AI Verdict

MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56
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

MA vs NODK: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) 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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