Growth is the primary weakness (avg 0/100). Business quality is the relative bright spot.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Above 30x, priced for sustained outperformance
1.3x book, reasonable for a financial
Below 2%, essentially flat
Below 2%, book value not compounding
Business Quality & Capital Allocation
Shrinking >2%, active buybacks
2–5%, low ROE for a financial
45.9% equity/assets, well-capitalized
Net margin expanded 3+pp, strong improvement
Ni Holdings (NODK) quality: score, margins and returns
Ni Holdings (NODK) scores 57/100 on Intrinsiqq's quality score (a mixed business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Ni Holdings (NODK) a high-quality business?+
Ni Holdings scores 57 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a mixed business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Ni Holdings's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from NODK's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Ni Holdings scores well and where it falls behind.
How profitable is Ni Holdings?+
Ni Holdings runs a net margin of about 2.9%. Revenue has grown at roughly -1.4% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.
SourceQuality score computed from the 10-Q filed 31 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 3 Oct 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
Fire, Marine & Casualty Insurance · Pick stocks to compare with NODK
Held by ETFs
NODK is in 2 US ETFs. The largest of them, with NODK's weight in each:
Spot a number that looks wrong? Check it in NODK's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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