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NODK vs V

NODK
NI Holdings, Inc.
BEARISH
Price
$12.82
Market Cap
$263.3M
Sector
Financial Services
AI Confidence
90%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
NODK
--
V
28.35
Forward P/E
NODK
--
V
20.79
P/B Ratio
NODK
1.1
V
15.09
P/S Ratio
NODK
0.92
V
14.08
EV/EBITDA
NODK
-18.46
V
20.06

Profitability

Gross Margin
NODK
-4.32%
V
97.78%
Operating Margin
NODK
-4.75%
V
68.3%
Profit Margin
NODK
-3.65%
V
50.23%
ROE
NODK
-4.29%
V
53.95%
ROA
NODK
-1.49%
V
18.36%

Growth

Revenue Growth
NODK
-17.5%
V
14.6%
Earnings Growth
NODK
--
V
17.4%

Financial Health

Debt/Equity
NODK
0.01
V
0.55
Current Ratio
NODK
0.51
V
1.11
Quick Ratio
NODK
0.46
V
0.72

Dividends

Dividend Yield
NODK
--
V
0.89%
Payout Ratio
NODK
0.0%
V
22.91%

AI Verdict

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%)
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

NODK vs V: Head-to-Head Comparison

This page compares NI Holdings, Inc. (NODK) and Visa Inc. (V) 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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