COMP <GO>
NODK vs V // GROSS PROFIT MARGIN
NI Holdings Inc. (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: NODK 1
— V 7
■ METRIC PARITY
LAST: $15.15 (+0.13%) • MKT CAP: $308.7M
gross-margins
—
LAST: $420.42 (-1.20%) • MKT CAP: $760.28B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NODK VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NODK | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -4.30% | 32.30% | -36.60 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -5.02% | 2.90% | -7.92 | V | /fcf-yield <GO> |
| Operating Margin | — | 60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | -3.70% | 50.10% | -53.80 | V | /net-margins <GO> |
| Revenue Growth (YoY) | -12.30% | 11.30% | -23.60 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.18% | 0.63% | +1.55 | NODK | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 1/9 | 9/9 | -8.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 56.8 | 74.2 | -17.40 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 34.0x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $308.7M | $760.28B | -$759.97B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NODK REV | V REV | NODK GROSS % | V GROSS % | NODK FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $285.1M | $40.00B | — | — | -$15.5M | $21.26B |
| FY 2024 | $325.2M | $35.93B | — | — | $37.5M | $18.33B |
| FY 2023 | $304.0M | $32.65B | — | — | $51.0M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NODK // BETA —
V // BETA 1.06