NODK
NI Holdings, Inc.
Insurance - Property & Casualty
Market Cap$267M
5Y Perf.-13.8%
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Stock Comparison
NODK vs ERIE
Revenue, margins, valuation, and 5-year total return — side by side.
ERIE
Erie Indemnity Company
Insurance - Brokers
Market Cap$10.01B
5Y Perf.+20.3%
NODK vs ERIE — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | NODK | ERIE |
|---|---|---|
| Industry | Insurance - Property & Casualty | Insurance - Brokers |
| Market Cap | $267M | $10.01B |
| Revenue (TTM) | $298M | $4.33B |
| Net Income (TTM) | $3M | $571M |
| Gross Margin | 13.3% | 18.1% |
| Operating Margin | 1.5% | 17.0% |
| Forward P/E | — | 17.1x |
| Total Debt | $0.00 | $0.00 |
| Cash & Equiv. | $678K | $346M |
NODK vs ERIE — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
NODK
ERIE
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| NI Holdings, Inc. (NODK) | 100 | 86.2 | -13.8% |
| Erie Indemnity Comp… (ERIE) | 100 | 120.3 | +20.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: NODK vs ERIE
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ERIE leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. NI Holdings, Inc. is the stronger pick specifically for recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
NODK
NI Holdings, Inc.
The Insurance Pick
NODK is the clearest fit if your priority is momentum.
- +4.3% vs ERIE's -38.7%
Best for: momentum
ERIE
Erie Indemnity Company
The Insurance Pick
ERIE carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 2 yrs, beta 0.16, yield 2.2%
- Rev growth 7.2%, EPS growth -7.5%, 3Y rev CAGR 12.7%
- 171.6% 10Y total return vs NODK's -12.4%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ERIE | 7.2% revenue growth vs NODK's -100.0% |
| Value | ERIE | Better valuation composite |
| Quality / Margins | ERIE | 13.2% margin vs NODK's 0.9% |
| Stability / Safety | ERIE | Beta 0.16 vs NODK's 0.57 |
| Dividends | ERIE | 2.2% yield; 2-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | NODK | +4.3% vs ERIE's -38.7% |
| Efficiency (ROA) | ERIE | 17.3% ROA vs NODK's 0.5% |
NODK vs ERIE — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
NODK vs ERIE — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLERIELAGGINGNODK
NODKNI Holdings, Inc.
0leads
ERIEErie Indemnity Company
5leads
6 Total Categories
CATEGORYLEADERvs NODKMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ERIE5/6
Valuation MetricsMultiples, price ratios, and targets
ERIE1/1
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
ERIE3/3
Total Returns1Y, 3Y, 5Y total returns with dividends
ERIE4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
ERIE1/1
Income & Cash Flow (Last 12 Months)
ERIE leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
ERIE is the larger business by revenue, generating $4.3B annually — 14.5x NODK's $298M. ERIE is the more profitable business, keeping 13.2% of every revenue dollar as net income compared to NODK's 0.9%. On growth, ERIE holds the edge at +2.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | NODKNI Holdings, Inc. | ERIEErie Indemnity Co… |
|---|---|---|
| RevenueTrailing 12 months | $298M | $4.3B |
| EBITDAEarnings before interest/tax | $5M | $786M |
| Net IncomeAfter-tax profit | $3M | $571M |
| Free Cash FlowCash after capex | -$7M | $537M |
| Gross MarginGross profit ÷ Revenue | +13.3% | +18.1% |
| Operating MarginEBIT ÷ Revenue | +1.5% | +17.0% |
| Net MarginNet income ÷ Revenue | +0.9% | +13.2% |
| FCF MarginFCF ÷ Revenue | -2.4% | +12.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | -14.0% | +2.3% |
| EPS Growth (YoY)Latest quarter vs prior year | +38.5% | +7.9% |
ERIE leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
ERIE leads this category, winning 1 of 1 comparable metric.
Valuation Metrics
| Metric | NODKNI Holdings, Inc. | ERIEErie Indemnity Co… |
|---|---|---|
| Market CapShares × price | $267M | $10.0B |
| Enterprise ValueMkt cap + debt − cash | $266M | $9.7B |
| Trailing P/EPrice ÷ TTM EPS | — | 20.41x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 17.15x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.50x |
| EV / EBITDAEnterprise value multiple | — | 12.14x |
| Price / SalesMarket cap ÷ Revenue | — | 2.46x |
| Price / BookPrice ÷ Book value/share | — | 5.00x |
| Price / FCFMarket cap ÷ FCF | 133.00x | 17.53x |
ERIE leads this category, winning 1 of 1 comparable metric.
Profitability & Efficiency
ERIE leads this category, winning 3 of 3 comparable metrics.
Profitability & Efficiency
ERIE delivers a 25.0% return on equity — every $100 of shareholder capital generates $25 in annual profit, vs $1 for NODK.
| Metric | NODKNI Holdings, Inc. | ERIEErie Indemnity Co… |
|---|---|---|
| ROE (TTM)Return on equity | +1.1% | +25.0% |
| ROA (TTM)Return on assets | +0.5% | +17.3% |
| ROICReturn on invested capital | — | +29.5% |
| ROCEReturn on capital employed | — | +32.0% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | — | — |
| Net DebtTotal debt minus cash | -$678,000 | -$346M |
| Cash & Equiv.Liquid assets | $678,000 | $346M |
| Total DebtShort + long-term debt | $0 | $0 |
| Interest CoverageEBIT ÷ Interest expense | — | — |
ERIE leads this category, winning 3 of 3 comparable metrics.
Total Returns (Dividends Reinvested)
ERIE leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ERIE five years ago would be worth $11,482 today (with dividends reinvested), compared to $6,916 for NODK. Over the past 12 months, NODK leads with a +4.3% total return vs ERIE's -38.7%. The 3-year compound annual growth rate (CAGR) favors ERIE at -0.1% vs NODK's -0.9% — a key indicator of consistent wealth creation.
| Metric | NODKNI Holdings, Inc. | ERIEErie Indemnity Co… |
|---|---|---|
| YTD ReturnYear-to-date | -2.6% | -20.9% |
| 1-Year ReturnPast 12 months | +4.3% | -38.7% |
| 3-Year ReturnCumulative with dividends | -2.7% | -0.2% |
| 5-Year ReturnCumulative with dividends | -30.8% | +14.8% |
| 10-Year ReturnCumulative with dividends | -12.4% | +171.6% |
| CAGR (3Y)Annualised 3-year return | -0.9% | -0.1% |
ERIE leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — NODK and ERIE each lead in 1 of 2 comparable metrics.
Risk & Volatility
ERIE is the less volatile stock with a 0.16 beta — it tends to amplify market swings less than NODK's 0.57 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NODK currently trades 87.9% from its 52-week high vs ERIE's 56.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NODKNI Holdings, Inc. | ERIEErie Indemnity Co… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.57x | 0.16x |
| 52-Week HighHighest price in past year | $14.70 | $380.67 |
| 52-Week LowLowest price in past year | $12.01 | $210.06 |
| % of 52W HighCurrent price vs 52-week peak | +87.9% | +56.9% |
| RSI (14)Momentum oscillator 0–100 | 47.5 | 33.6 |
| Avg Volume (50D)Average daily shares traded | 17K | 231K |
Evenly matched — NODK and ERIE each lead in 1 of 2 comparable metrics.
Analyst Outlook
ERIE leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
ERIE is the only dividend payer here at 2.23% yield — a key consideration for income-focused portfolios.
| Metric | NODKNI Holdings, Inc. | ERIEErie Indemnity Co… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | — |
| Dividend YieldAnnual dividend ÷ price | — | +2.2% |
| Dividend StreakConsecutive years of raises | 0 | 2 |
| Dividend / ShareAnnual DPS | — | $4.83 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
ERIE leads this category, winning 1 of 1 comparable metric.
Key Takeaway
ERIE leads in 5 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 1 category is tied.
Best OverallErie Indemnity Company (ERIE)Leads 5 of 6 categories
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NODK vs ERIE: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is NODK or ERIE a better buy right now?
For growth investors, Erie Indemnity Company (ERIE) is the stronger pick with 7.
2% revenue growth year-over-year, versus -100. 0% for NI Holdings, Inc. (NODK). Erie Indemnity Company (ERIE) offers the better valuation at 20. 4x trailing P/E (17. 1x forward), making it the more compelling value choice. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — NODK or ERIE?
Over the past 5 years, Erie Indemnity Company (ERIE) delivered a total return of +14.
8%, compared to -30. 8% for NI Holdings, Inc. (NODK). Over 10 years, the gap is even starker: ERIE returned +171. 6% versus NODK's -12. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — NODK or ERIE?
By beta (market sensitivity over 5 years), Erie Indemnity Company (ERIE) is the lower-risk stock at 0.
16β versus NI Holdings, Inc. 's 0. 57β — meaning NODK is approximately 247% more volatile than ERIE relative to the S&P 500.
04Which is growing faster — NODK or ERIE?
By revenue growth (latest reported year), Erie Indemnity Company (ERIE) is pulling ahead at 7.
2% versus -100. 0% for NI Holdings, Inc. (NODK). On earnings-per-share growth, the picture is similar: Erie Indemnity Company grew EPS -7. 5% year-over-year, compared to -100. 0% for NI Holdings, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — NODK or ERIE?
Erie Indemnity Company (ERIE) is the more profitable company, earning 13.
8% net margin versus 0. 9% for NI Holdings, Inc. — meaning it keeps 13. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ERIE leads at 17. 7% versus 1. 5% for NODK. At the gross margin level — before operating expenses — ERIE leads at 15. 8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — NODK or ERIE?
In this comparison, ERIE (2.
2% yield) pays a dividend. NODK does not pay a meaningful dividend and should not be held primarily for income.
07Is NODK or ERIE better for a retirement portfolio?
For long-horizon retirement investors, Erie Indemnity Company (ERIE) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
16), 2. 2% yield, +171. 6% 10Y return). Both have compounded well over 10 years (ERIE: +171. 6%, NODK: -12. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between NODK and ERIE?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
ERIE pays a dividend while NODK does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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