NI (NASDAQ:NODK – Get Free Report) and Tiptree Financial (NASDAQ:TIPT – Get Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, institutional ownership, analyst recommendations, dividends, risk, earnings and valuation.
Analyst Ratings
This is a summary of recent recommendations and price targets for NI and Tiptree Financial, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| NI | 0 | 1 | 0 | 0 | 2.00 |
| Tiptree Financial | 0 | 1 | 0 | 0 | 2.00 |
Valuation & Earnings
This table compares NI and Tiptree Financial”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| NI | $285.05 million | 1.09 | -$10.41 million | $0.73 | 21.05 |
| Tiptree Financial | -$3.15 million | -204.76 | $34.93 million | $10.82 | 1.63 |
Tiptree Financial has lower revenue, but higher earnings than NI. Tiptree Financial is trading at a lower price-to-earnings ratio than NI, indicating that it is currently the more affordable of the two stocks.
Volatility & Risk
NI has a beta of 0.25, indicating that its share price is 75% less volatile than the S&P 500. Comparatively, Tiptree Financial has a beta of 0.71, indicating that its share price is 29% less volatile than the S&P 500.
Profitability
This table compares NI and Tiptree Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| NI | 5.79% | 6.11% | 2.94% |
| Tiptree Financial | N/A | -2.21% | -0.46% |
Insider & Institutional Ownership
21.9% of NI shares are held by institutional investors. Comparatively, 37.8% of Tiptree Financial shares are held by institutional investors. 1.0% of NI shares are held by insiders. Comparatively, 31.9% of Tiptree Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Summary
NI beats Tiptree Financial on 6 of the 11 factors compared between the two stocks.
About NI
NI Holdings, Inc. is an insurance holding company whose subsidiaries provide property and casualty insurance. Its offerings include personal, farm and commercial coverage, as well as crop insurance, distributed primarily through independent insurance agents. The company’s operations are centered in North Dakota, where its Nodak Insurance business has a long-standing presence, and extend to other states through its insurance subsidiaries. NI Holdings was formed in 2016 as a holding company for these businesses.
About Tiptree Financial
Tiptree Inc., formerly known as Tiptree Financial Inc., is a holding company focused primarily on insurance and related financial services. Its principal insurance platform, Fortegra, provides specialty property and casualty, accident and health, and warranty products and services. Fortegra works with insurers, agents, brokers, and other distribution partners, serving customers in the United States and international markets. Its offerings include coverage designed for specific customer groups and industries, as well as insurance programs and related services.
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