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 $303.2M against $30.5M — 9.9× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; NI Holdings, Inc. trades at 39.3×. NI Holdings, Inc. grew revenue faster over the last twelve months: −13.9% against −49.0%. NI Holdings, Inc. has the higher net margin (2.93% vs −49.6%) and the higher return on invested capital (3.54% 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 39.28 n/m 10.75
P/S 1.15 0.93 1.21
P/B 1.24 1.07 1.99
Price to free cash flow n/m n/m 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.55% (129.51%) 9.08%
Free cash flow yield (10.45%) (155.55%) 12.11%

Profitability

Metric NODK PRHI Insurance Property & Casualty median
Gross margin 37.39% (8.27%) 41.16%
Operating margin 4.18% (35.38%) 15.09%
Net margin 2.93% (49.57%) 11.51%
Free cash flow margin (12.05%) (143.99%) 17.46%
Return on equity 3.18% (56.67%) 17.34%
Return on assets 1.35% (6.27%) 3.74%
Return on invested capital 3.54% (36.11%) 12.06%

Growth

Metric NODK PRHI Insurance Property & Casualty median
Revenue growth (TTM) (13.85%) (49.03%) 8.02%
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 0.42
Net debt to EBITDA (1.06) 0.98 0.08

Dividend

Metric NODK PRHI Insurance Property & Casualty median
Dividend yield — — 1.50%
Payout ratio — — 0.14

Size

Metric NODK PRHI Insurance Property & Casualty median
Market cap 303.21m 30.49m 2.67b

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