NI Holdings, Inc. (NODK) vs Presurance Holdings, Inc. (PRHI)

NI Holdings, Inc. and Presurance Holdings, Inc. are both Insurance Property & Casualty companies. NI Holdings, Inc. is the larger, with a market value of $314.0M against $25.6M — 12.3× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; NI Holdings, Inc. trades at 21.0×. NI Holdings, Inc. grew revenue faster over the last twelve months: −12.9% against −49.0%. NI Holdings, Inc. has the higher net margin (5.79% vs −49.6%) and the higher return on invested capital (6.28% vs −36.1%). Across the 17 metrics below, NI Holdings, Inc. leads on 15 and Presurance Holdings, Inc. on 2.

Valuation

Metric NODK PRHI Insurance Property & Casualty median
P/E 21.00 n/m 11.90
P/S 1.22 0.82 1.24
P/B 1.29 0.95 1.86
Price to free cash flow n/m n/m 7.91
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.76% (145.52%) 8.14%
Free cash flow yield (0.78%) (174.77%) 11.91%

Profitability

Metric NODK PRHI Insurance Property & Casualty median
Gross margin 40.88% (8.27%) 39.44%
Operating margin 7.73% (35.38%) 14.71%
Net margin 5.79% (49.57%) 10.47%
Free cash flow margin (1.07%) (143.99%) 18.60%
Return on equity 6.15% (56.67%) 16.87%
Return on assets 2.87% (6.27%) 3.49%
Return on invested capital 6.28% (36.11%) 11.84%

Growth

Metric NODK PRHI Insurance Property & Casualty median
Revenue growth (TTM) (12.94%) (49.03%) 5.51%
EPS growth (last fiscal year) (72.41%) (178.24%) 39.61%
Revenue growth, 5-year CAGR (1.43%) (15.99%) 9.23%
Net income growth, 5-year CAGR 0.00% 0.00% 10.09%

Health

Metric NODK PRHI Insurance Property & Casualty median
Debt to equity 0.00 0.44 0.25
Current ratio 1.00 0.51 0.49
Net debt to EBITDA (1.06) 0.98 0.08

Dividend

Metric NODK PRHI Insurance Property & Casualty median
Dividend yield — — 1.59%
Payout ratio — — 0.15

Size

Metric NODK PRHI Insurance Property & Casualty median
Market cap 314.03m 25.59m 2.62b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack