NI Holdings Inc (NODK)vsProgressive Corp (PGR)
NODK
NI Holdings Inc
$14.89
+0.74%
FINANCIAL SERVICES · Cap: $304.03M
PGR
Progressive Corp
$225.66
+2.00%
FINANCIAL SERVICES · Cap: $127.17B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 34193% more annual revenue ($91.70B vs $267.39M). PGR leads profitability with a 12.7% profit margin vs 2.9%. PGR trades at a lower P/E of 11.0x. PGR earns a higher WallStSmart Score of 53/100 (C-).
NODK
Hold41
out of 100
Grade: D
PGR
Buy53
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
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Every $100 of equity generates 34 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 3.5B in free cash flow
Areas to Watch
Premium valuation, high expectations priced in
Distress zone — elevated risk
Smaller company, higher risk/reward
2.9% margin — thin
3.0% revenue growth
Expensive relative to growth rate
Earnings declined 2.1%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NODK
The strongest argument for NODK centers on Price/Book, EPS Growth, Debt/Equity.
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 P/E Ratio, Altman Z-Score, Market Cap. Thin 2.9% margins leave little buffer for downturns.
Bear Case : PGR
The primary concerns for PGR are Revenue Growth, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
NODK carries more volatility with a beta of 0.31 — expect wider price swings.
PGR is growing revenue faster at 3.0% — sustainability is the question.
PGR generates stronger free cash flow (3.5B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PGR scores higher overall (53/100 vs 41/100). 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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