NI (NODK) vs Root (ROOT)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
NI (NODK) has outperformed Root (ROOT) over the past year, gaining 11.5% versus a loss of 41.7%. Over five years, NODK leads with a -26.0% price change compared with -47.8% for ROOT. Root is the larger company by market cap ($741.2 million vs $306.7 million), about 2.4 times the size.
On valuation, Root trades at a lower trailing P/E (13.5x vs 39.6x for NI).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | NODK | ROOT |
|---|---|---|
| Share price | $15.03 | $47.84 |
| Market cap | $306.68M | $741.20M |
| 1-day change | +1.97% | +0.21% |
| YTD return | +10.83% | -33.91% |
| 1-year return | +11.50% | -41.67% |
| 5-year return | -25.97% | -47.79% |
| P/E ratio (TTM) | 39.55 | 13.51 |
| Forward P/E | — | 16.96 |
| EPS (TTM) | $0.38 | $3.54 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| 52-week high | $16.70 | $91.00 |
| 52-week low | $12.37 | $40.91 |
| Distance from 52-week high | -10.00% | -47.43% |
| Analyst consensus | — | hold |
| Avg. price target upside | — | +23.75% |
| Average volume | 25.76K | 228.18K |
| Shares outstanding | 20.40M | 13.69M |
| Employees | 166 | 1,256 |
| Sector | Finance | Finance |
| Industry | Property-Casualty Insurers | Property-Casualty Insurers |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Root is about 2.4 times larger than NI by market value ($741.20M vs $306.68M).
- NODK has outperformed ROOT by 53.2 percentage points over the past year.
- NI trades at a higher earnings multiple (39.6x vs 13.5x trailing P/E).
About NI
NODK stock →NI Holdings, Inc., together with its subsidiaries, underwrites property and casualty insurance products in the United States. Its products include private passenger auto, homeowners, farm owners, commercial multi-peril, crop hail, excess liability, dwelling, and federal multi-peril crop insurance policies, as well as non-standard automobile insurance policies.
Finance · Property-Casualty Insurers · 166 employees
About Root
ROOT stock →Root, Inc. provides insurance products and services in the United States.
Finance · Property-Casualty Insurers · 1,256 employees
NODK vs ROOT FAQ
Which is bigger, NI or Root?
Root (ROOT) is larger, with a market capitalization of $741.20M compared with $306.68M for NI (NODK).
Which stock has performed better over the past year, NODK or ROOT?
NODK returned +11.50% over the past 12 months, compared with -41.67% for ROOT (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, NODK or ROOT?
ROOT has the lower trailing P/E at 13.5, versus 39.6 for NODK. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are NI and Root in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.