MARKET WIRETradingView • 2d ago
NI Holdings, Inc. Estimates – NASDAQ:NODKTradingView report covering NI Holdings Inc. (NODK) market action, institutional positioning, and fundamental catalysts.
Why NODK Stock advanced +0.13% Today — RQD Quant Desk Flash
$15.15 +0.13% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $15.12
NI Holdings Inc. (NODK) carries a Roarable Rating of E (Strong Sell) with 31/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
ROARABLE E • RED ALERT
Cap $308.7M
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Click Any Pre-Computed AI Quant Specialist Briefing on NODK Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is NODK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, NI Holdings Inc. (NASDAQ: NODK) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 31/100 at a spot price of $15.15 (+0.13% 1D, market cap $308.7M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, NODK ranks #1014 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does NODK compare to KINS and KWY in the Financials sector?
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Within the Financials sector (Property-Casualty Insurers), NODK carries a Roarable E (31/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -4.3%. By comparison, KINS (Kingstone Companies Inc.) holds a B grade (72/100 RQD, P/E 7.1x, ROIC 33.2%, cap $295.5M) and KWY (Kingsway Corporation) posts a E grade (32/100 RQD, P/E N/A, ROIC -13.6%, cap $288.2M). Among the 5-stock peer group, KINS leads on earnings multiple (7.1x) while KINS leads on capital efficiency (33.2% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for NODK?
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Per NODK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001681206), NI Holdings Inc. generated $285.1M in revenue (-12.3% YoY), -$10.4M in net income, and -$15.5M in free cash flow against $506.0M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $15.12 (-0.17%)🧬 Dilution Drag (+2.48% YoY Shares)⚙️ Cash Engine: 3/20 (E) • 0% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record Warning: Scores below 50 (31/100 · E) historically underperformed SPY in 71% of rolling 90-day windows (-9.4% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →RQD QUANT TACHOMETERRED ALERT • E
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR RQD RADARRw E · Rk D-
Each axis scored 0–20
12M PRICE TARGET CONE-12.1% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NODK)Realized 20D OHLCV Swing Band: ±3.1%
Deterministic 5-Pillar Attribution (31/100 Composite)
🔍 WHY NODK SCORES 31/100 (E) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+9/20 pts (29% of score)
20D Institutional Volume Accumulation (±3.1% realized swing band)
▲ #2 Bullish Driver: SEC 10-K Forensic Risk+8/20 pts (26% of score)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 1/9
▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)
Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade E$14.83-1.4% Next Q
23
Q2 (-2Q)Grade E$14.62+1.8% Next Q
26
Q3 (-1Q)Grade E$14.89+1.7% Next Q
28
CurrentGrade E$15.15-9.4% Hist 90D α
31
Trajectory: E (23) → E (31)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER
⚔️ Adversarial Opposing Case: What Could Spark a NODK Turnaround Squeeze
While NODK currently carries a cautious 31/100 (E) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
🚀 Contrarian Squeeze Trigger #1
Established market leader in Financials with deep daily trading liquidity.
🚀 Contrarian Squeeze Trigger #2
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($14.97) and Max Pain ($15.91) forces dealer call-delta covering toward $17.54.
🚀 Contrarian Squeeze Trigger #3
Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
🎲 LIVE PREDICTION MARKET ODDS TIED TO $NODK• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “NODK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why NODK Stock advanced +0.13% Today — RQD Quant Desk Flash
NI Holdings Inc. (NODK) advanced +0.13% to $15.15, trading at 64% of its 52-week range ($12.37 – $16.7). Stretched risk/reward at current multiples (-4% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 64% of its 52-week range ($12.37 – $16.7) with RSI-14 at 56.8 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±3.1% around $15.15 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable E (Strong Sell) backed by 52% gross margin and $0 annual free cash flow.
Live NODK Headlines & Catalysts
MARKET WIREThe Globe and Mail • 2d ago
Zacks Initiates Coverage of NI Holdings With Neutral RecommendationThe Globe and Mail report covering NI Holdings Inc. (NODK) market action, institutional positioning, and fundamental catalysts.
MARKET WIRETradingView • 2d ago
HG Stock Price and Chart — NYSE:HGTradingView report covering NI Holdings Inc. (NODK) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo Finance • 89d ago
NI Holdings, Inc. Reports Results for Second Quarter Ended June 30, 2026FARGO, N.D., Aug. 07, 2026 (GLOBE NEWSWIRE) -- NI Holdings, Inc. (NASDAQ: NODK) announced today results for the quarter ended June 30, 2026. Summary of Second Quarter 2026 Results(All comparisons vs. the second quarter o
MARKET WIREYahoo Finance • 141d ago
AM Best Affirms Credit Ratings of Members of Nodak Insurance Group and NI Holdings, Inc.OLDWICK, N.J., June 16, 2026--AM Best has affirmed the Financial Strength Rating (FSR) of A (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of "a" (Excellent) of the members of Nodak Insurance Group (
MARKET WIREYahoo Finance • 180d ago
NI Holdings, Inc. Reports Results for First Quarter Ended March 31, 2026FARGO, N.D., May 08, 2026 (GLOBE NEWSWIRE) -- NI Holdings, Inc. (NASDAQ: NODK) announced today results for the quarter ended March 31, 2026. Summary of First Quarter 2026 Results(All comparisons vs. the first quarter of
MARKET WIREYahoo Finance • 242d ago
NI Holdings, Inc. Reports Results for Fourth Quarter and Year Ended December 31, 2025FARGO, N.D., March 06, 2026 (GLOBE NEWSWIRE) -- NI Holdings, Inc. (“NI Holdings,” or the “Company,” NASDAQ: NODK) announced today results for the year ended December 31, 2025. Summary of Year-End 2025 Results(All compari
MARKET WIREYahoo Finance • 361d ago
NI Holdings, Inc. Reports Results for Third Quarter Ended September 30, 2025FARGO, N.D., Nov. 07, 2025 (GLOBE NEWSWIRE) -- NI Holdings, Inc. (NASDAQ: NODK) announced today results for the quarter ended September 30, 2025. Summary of Third Quarter 2025 Results – Continuing Operations(All comparis
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk
Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NODK)
- ✓Walkthrough of NODK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
- ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
- ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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NODK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.62%⚡ TESTING RESISTANCE
2026-11-04O $14.96H $15.15L $14.96C $15.15VOL 17.7K
RES: $15.40SUP: $14.26SMA50: $14.97SMA200: $14.36
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
NODK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth
vs. -12.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger
No active Ellis Vennor swing setup published on NODK today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for NODK. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for NODK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NODK)
Financials Rank #1014 of 1097
⚔️ KINS vs NODK Full Matrix →
1. Head-to-Head Financials Peer Comparison (NODK vs. KINS, KWY, GBLI, AMSF)
Industry: Property-Casualty Insurers (68 Tracked Issuers)Across 1097 tracked Financials securities in the Roarable RQD universe, NI Holdings Inc. (NODK) ranks #1014 by composite RQD confidence (31/100, grade E) and #798 by equity capitalization ($308.7M). Within this direct 5-issuer industry benchmark cohort, KINS leads on earnings valuation at 7.1x trailing P/E, while KINS leads on capital efficiency and profitability with 33.2% ROIC and — gross margin. KINS currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with NODK at 31/100 (E).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| NODK
ACTIVE
NI Holdings Inc. | E | 31/100 | — | — | -4.3% | +0.13% | $308.7M | Benchmark Subject |
| KINS Kingstone Companies Inc. | B | 72/100 | 7.1x | — | 33.2% | -2.30% | $295.5M | /kins-vs-nodk → |
| KWY Kingsway Corporation | E | 32/100 | — | — | -13.6% | -1.30% | $288.2M | /kwy-vs-nodk → |
| GBLI Global Indemnity Group LLC (Class A) | D- | 43/100 | 14.2x | — | 3.6% | -12.27% | $347.7M | /gbli-vs-nodk → |
| AMSF AMERISAFE Inc. | D- | 43/100 | 9.1x | — | 18.7% | -0.99% | $383.5M | /amsf-vs-nodk → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001681206 ↗In its most recent audited fiscal period (FY2025, filed 2025-12-31), NI Holdings Inc. (NODK) reported GAAP revenue of $285.1M (-12.3% vs. FY2024 revenue of $325.2M , and -6.2% cumulative change since FY2023) , GAAP net income of -$10.4M, operating cash flow of -$15.3M, and free cash flow of -$15.5M (-141.3% YoY). On the balance sheet, NODK closed FY2025 with $506.0M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 1/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $285.1M | -$10.4M | -$15.3M | -$15.5M | $506.0M | — |
| FY2024 (FY) | 2024-12-31 | $325.2M | -$6.1M | $38.5M | $37.5M | $526.5M | — |
| FY2023 (FY) | 2023-12-31 | $304.0M | -$5.5M | $51.0M | $51.0M | — | — |
3. NODK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs NODK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, NI Holdings Inc. (NASDAQ: NODK) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 31/100 at a spot price of $15.15 (+0.13% 1D, market cap $308.7M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, NODK ranks #1014 in composite RQD confidence.
How does NODK compare to KINS and KWY in the Financials sector?
Within the Financials sector (Property-Casualty Insurers), NODK carries a Roarable E (31/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -4.3%. By comparison, KINS (Kingstone Companies Inc.) holds a B grade (72/100 RQD, P/E 7.1x, ROIC 33.2%, cap $295.5M) and KWY (Kingsway Corporation) posts a E grade (32/100 RQD, P/E N/A, ROIC -13.6%, cap $288.2M). Among the 5-stock peer group, KINS leads on earnings multiple (7.1x) while KINS leads on capital efficiency (33.2% ROIC).
What are the biggest fundamental strengths and SEC risk factors for NODK?
Per NODK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001681206), NI Holdings Inc. generated $285.1M in revenue (-12.3% YoY), -$10.4M in net income, and -$15.5M in free cash flow against $506.0M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
Where is NODK trading relative to its 50-day, 200-day, and 52-week technical levels?
NODK last traded at $15.15 (+0.13% on volume of 17,859 shares), positioning the stock +1.20% above its 50-day simple moving average ($14.97) and +5.50% above its 200-day simple moving average ($14.36). Across its 52-week range of $12.37 to $16.70, NODK sits at the 64.2% percentile with a 14-day RSI of 56.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.1% ($14.68 to $15.62).
ROARABLE RATING BRIEF • RQD 31/100 (E)
✓ SEC XBRL & RQD VERIFIED
NODK — NI Holdings Inc.: What the Facts Mean to a Prospective Investor
Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31
1. Roarable Rating Brief: What This Means to a Prospective Investor
NI Holdings Inc. (NODK) earns a live Roarable RQD composite score of 31/100, corresponding to a E letter grade (Roarable Strong Sell) at a spot price of $15.15 (+0.13% 1D, market capitalization $308.7M).
- Fundamental Cash Engine (3/20): Anchored by return on invested capital (ROIC) of -4.3%, gross margin of —, operating margin of —, and free cash flow yield of -5.02%.
- Whale 13F & Options Flow (9/20) + Insider Conviction (3/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (8/20) + Forensic Balance Sheet (8/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 1/9, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
NI Holdings Inc. (NODK) is a NASDAQ-listed operating company in the Property-Casualty Insurers industry (Financials sector) with an equity market capitalization of $305.3M. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of -4.3% (free cash flow yield of -5.02%). Within the Property-Casualty Insurers peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), NI Holdings Inc. (NODK) reported $285.1M in annual revenue (up from $325.2M in FY2024, -12.3% YoY) and -$10.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($304.0M revenue, -$5.5M net income) through FY2025, NODK scaled operating cash flow to -$15.3M and free cash flow to -$15.5M, backed by $506.0M in total assets against $0 in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (E • RQD 31/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of -5.02% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 3/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $12.37 – $16.70 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
— The Butterfly Supply-Chain Graph lists no upstream or downstream dependencies and no sector correlations beyond the Financials / Property-Casualty Insurers classification.
- Key Question #1: Can NODK sustain or expand its — operating margin and -4.3% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $285.1M and free cash flow of -$15.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
- Key Question #3: How sensitive is NODK's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?
NODK Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for NI Holdings Inc. (NODK) • Click "Debate This Headline" to argue it in the Roar Pit below
🟡 MARKET WIRE TradingView • 2d ago
NI Holdings, Inc. Estimates – NASDAQ:NODK TradingView report covering NI Holdings Inc. (NODK) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE The Globe and Mail • 2d ago
Zacks Initiates Coverage of NI Holdings With Neutral Recommendation The Globe and Mail report covering NI Holdings Inc. (NODK) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE TradingView • 2d ago
HG Stock Price and Chart — NYSE:HG TradingView report covering NI Holdings Inc. (NODK) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Yahoo Finance • 89d ago
NI Holdings, Inc. Reports Results for Second Quarter Ended June 30, 2026 FARGO, N.D., Aug. 07, 2026 (GLOBE NEWSWIRE) -- NI Holdings, Inc. (NASDAQ: NODK) announced today results for the quarter ended June 30, 2026. Summary of Second Quarter 2026 Results(All comparisons vs. the second quarter o
🟡 MARKET WIRE Yahoo Finance • 141d ago
AM Best Affirms Credit Ratings of Members of Nodak Insurance Group and NI Holdings, Inc. OLDWICK, N.J., June 16, 2026--AM Best has affirmed the Financial Strength Rating (FSR) of A (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of "a" (Excellent) of the members of Nodak Insurance Group (
🟡 MARKET WIRE Yahoo Finance • 180d ago
NI Holdings, Inc. Reports Results for First Quarter Ended March 31, 2026 FARGO, N.D., May 08, 2026 (GLOBE NEWSWIRE) -- NI Holdings, Inc. (NASDAQ: NODK) announced today results for the quarter ended March 31, 2026. Summary of First Quarter 2026 Results(All comparisons vs. the first quarter of
🟡 MARKET WIRE Yahoo Finance • 242d ago
NI Holdings, Inc. Reports Results for Fourth Quarter and Year Ended December 31, 2025 FARGO, N.D., March 06, 2026 (GLOBE NEWSWIRE) -- NI Holdings, Inc. (“NI Holdings,” or the “Company,” NASDAQ: NODK) announced today results for the year ended December 31, 2025. Summary of Year-End 2025 Results(All compari
🟡 MARKET WIRE Yahoo Finance • 361d ago
NI Holdings, Inc. Reports Results for Third Quarter Ended September 30, 2025 FARGO, N.D., Nov. 07, 2025 (GLOBE NEWSWIRE) -- NI Holdings, Inc. (NASDAQ: NODK) announced today results for the quarter ended September 30, 2025. Summary of Third Quarter 2025 Results – Continuing Operations(All comparis
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE
3 Active Posts & Replies
NODK Bull vs. Bear Conversation Board — What's Your Call at $15.15?
🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NODK 🐻 33% BEARISH CONVICTION
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH
🎯 Target: $19.00 (+27.0%)
📌 Pinned Debate Whale 13F flow scores 11 of 20, the strongest pillar, indicating institutional accumulation despite weak fundamentals.
Whale 13F flow scores 11 of 20, the strongest pillar, indicating institutional accumulation despite weak fundamentals.. When you look under the hood at NODK, Fundamental Cash Engine is 3/20 with 0.0% gross margins and -4.3% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (9/20) has been quietly accumulating below $16.70. My 12M target is $19.00.
SectorRotator 🐂 BULL
@FadeTheHype Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Property-Casualty Insurers. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.
FA FadeTheHype RQD DEBATE OPENER • Contrarian Tape Reader 🐻 BEARISH
🎯 Target: $12.12 (-19.0%)
Spot @ $14.96 Negative ROIC of -4.3%, FCF yield of -5.02%, and Piotroski F-Score of 1 out of 9 point to weak cash generation and forensic risk.
Here is the bear case nobody on the bull side wants to address on NODK: Negative ROIC of -4.3%, FCF yield of -5.02%, and Piotroski F-Score of 1 out of 9 point to weak cash generation and forensic risk.. At current EV/EBITDA multiples, even a small guidance miss in Property-Casualty Insurers triggers a 12-15% air pocket.