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NI Holdings, Inc. (NODK) vs Root, Inc. (ROOT)

NI Holdings, Inc. and Root, Inc. are both Insurance Property & Casualty companies. Root, Inc. is the larger, with a market value of $716.7M against $314.0M — 2.3× the size. Root, Inc. trades at the lower P/E: 9.2× against 41.1×. Root, Inc. grew revenue faster over the last twelve months: 7.89% against −13.9%. Root, Inc. has the higher net margin (4.96% vs 2.93%) and the lower return on invested capital (0.00% vs 3.54%). Across the 18 metrics below, Root, Inc. leads on 15 and NI Holdings, Inc. on 3.

Valuation

Metric NODK ROOT Insurance Property & Casualty median
P/E 41.09 9.21 12.17
P/S 1.21 0.45 1.26
P/B 1.29 2.15 1.85
Price to free cash flow n/m 4.18 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.43% 10.86% 8.20%
Free cash flow yield (9.99%) 23.92% 11.86%

Profitability

Metric NODK ROOT Insurance Property & Casualty median
Gross margin 37.39% 39.44% 37.39%
Operating margin 4.18% 6.68% 14.67%
Net margin 2.93% 4.96% 10.16%
Free cash flow margin (12.05%) 10.86% 18.60%
Return on equity 3.18% 26.15% 16.59%
Return on assets 1.35% 4.67% 3.38%
Return on invested capital 3.54% 0.00% 9.43%

Growth

Metric NODK ROOT Insurance Property & Casualty median
Revenue growth (TTM) (13.85%) 7.89% 5.70%
EPS growth (last fiscal year) (72.41%) 28.96% 39.61%
Revenue growth, 5-year CAGR (1.43%) 34.33% 9.23%
Net income growth, 5-year CAGR 0.00% 0.00% 10.09%

Health

Metric NODK ROOT Insurance Property & Casualty median
Debt to equity 0.00 0.45 0.25
Current ratio 1.00 1.01 0.49
Net debt to EBITDA (1.06) (6.65) 0.08

Dividend

Metric NODK ROOT Insurance Property & Casualty median
Dividend yield — — 1.56%
Payout ratio — — 0.15

Size

Metric NODK ROOT Insurance Property & Casualty median
Market cap 314.03m 716.74m 2.64b

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