NODK (NI Holdings) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NODK NI Holdings Inc NODK
65 GF Score
Price $15.86
GF Value $14.12
Valuation Modestly Overvalued
! 4 Warning Signs
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What is NI Holdings ROC (Joel Greenblatt) %?

NI Holdings NODK -0.13% 65 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates NODK with a GF Score™ of 65/100 and a GF Value™ of $14.12 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 66 Insurance companies, NI Holdings ranks worse than 1515150% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

NODK
65GF Score
NI Holdings Inc NODK
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
NI Holdings (NODK) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on NI Holdings and its competitors. According to the industry distribution chart, NI Holdings ranks #999999 out of 66 companies in the Insurance industry.
Is NI Holdings' ROC (Joel Greenblatt) % too high?
NI Holdings' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, NI Holdings ranks #999999 out of 66 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, NI Holdings has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NI Holdings' ROC (Joel Greenblatt) % compare to GBLI and AII?
According to the Insurance industry distribution chart, NI Holdings ranks #999999 out of 66 companies for ROC (Joel Greenblatt) %. This places NI Holdings in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 74.89. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for an Insurance company?
The median ROC (Joel Greenblatt) % among Insurance companies is 74.89, based on 66 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on NI Holdings and its competitors. For the Insurance industry, the median ROC (Joel Greenblatt) % is 74.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NI Holdings's current ROC (Joel Greenblatt) % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NI Holdings stock overvalued right now?
Based on GuruFocus' analysis, NI Holdings (NODK) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.12, compared to a current price of $15.86 — trading 12.3% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. NI Holdings' overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For NI Holdings (NODK), the current ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is NI Holdings (NODK) Overvalued in 2026?

Based on GuruFocus' analysis, NI Holdings stock appears to be overvalued. The current stock price of $15.86 is trading 12.3% above its estimated GF Value™ of $14.12. GuruFocus considers NI Holdings to be Modestly Overvalued.

Key valuation signals for NODK:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $14.12 vs. price of $15.86 (12.3% above fair value)
  • GF Score™: 65/100 with 4 warning signs

No single metric tells the full story. See the NODK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NI Holdings Business Description

Address 1101 First Avenue North, Fargo, ND, USA, 58102
NI Holdings Inc is a stockholding company. Through its subsidiaries, the company operates in the insurance industry, offering homeowners and farmowners insurance policies, crop insurance policies, home insurance policies, etc. These insurance products are distributed through a network of exclusive and independent agents across the United States. The group's reportable segments are: Private Passenger Auto, Non-Standard Auto, Home and Farm, Crop, and All Other (which mainly consists of commercial, assumed reinsurance, and its excess liability business). Maximum revenue is generated from the Home and Farm segment.
65GF Score

Get the complete analysis for NODK

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.86
Price
$14.12
GF Value