` Comparison: NODK, PGR - Alpha Spread

NODK
vs
PGR

Over the past 12 months, NODK has underperformed PGR, delivering a return of -8% compared to the PGR's 6% drop.

Valuation Growth Profitability Solvency Stocks Performance
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NODK
PGR
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Stocks Compared:
NODK PGR
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Valuation Comparison

NODK Intrinsic Value
8.88 USD
Overvaluation 39%
Intrinsic Value
Price
PGR Intrinsic Value
285.61 USD
Undervaluation 21%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
NI Holdings Inc
NASDAQ:NODK
14.51 USD
Progressive Corp
NYSE:PGR
225.37 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
NODK, PGR

NODK
PGR
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
NI Holdings Inc
Revenue
Progressive Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
NODK, PGR

NODK
PGR
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
NI Holdings Inc
NASDAQ:NODK
Progressive Corp
NYSE:PGR
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

NODK
0%
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
NI Holdings Inc
Progressive Corp
Not applicable for financial companies

Operating Margin

NODK
2%
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
NI Holdings Inc
Progressive Corp
Not applicable for financial companies

Net Margin

NODK
0.9%
PGR
12.6%
LTM 3Y Avg 5Y Avg 10Y Avg
NI Holdings Inc
Progressive Corp

FCF Margin

NODK
-2.4%
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
NI Holdings Inc
Progressive Corp
Not applicable for financial companies

ROE

NODK
1.1%
PGR
34.2%
LTM 3Y Avg 5Y Avg 10Y Avg
NI Holdings Inc
Progressive Corp

ROA

NODK
0.5%
PGR
9.5%
LTM 3Y Avg 5Y Avg 10Y Avg
NI Holdings Inc
Progressive Corp

ROIC

NODK
0.7%
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
NI Holdings Inc
Progressive Corp
Not applicable for financial companies

ROCE

NODK
1.1%
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
NI Holdings Inc
Progressive Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
NODK, PGR

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NODK
PGR
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Performance Gap
NODK, PGR

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NODK
PGR
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
NODK, PGR

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NODK
PGR
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