NODK vs NREF

Comparison between NI Holdings Inc (NODK, Company) and NexPoint Real Estate Finance Inc (NREF, Company).

NODK is from the Financial Services sector, while NREF is from the Real Estate sector.

5-Year PerformanceNREF has outperformed NODK, delivering a return of +6.8% compared to -4.4%

NODK vs NREF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	NODK(COMPANY)	NREF(COMPANY)
Market Cap	$314M	$314M
Max Drawdown	44.88%	67.00%
Sharpe Ratio	0.79	1.21
5Y Beta	0.41	0.53
Industry	Insurance - Property & Casualty	Reit - Mortgage
P/E Ratio	40.19	2.53
PEG Ratio	N/A	0.05
Dividend Yield	N/A	11.70%
5Y Dividends CAGR	N/A	2.71%
5Y EPS CAGR	-27.33%	-12.48%
Debt to Equity	0.96%	0.00%
Free Cash Flow Yield	-10.38%	5.18%

Market Cap

Winner

NODK

$314M

NREF

$314M

Max Drawdown

Winner

NODK

44.88%

NREF

67.00%

Sharpe Ratio

NODK

0.79

Winner

NREF

1.21

5Y Beta

Winner

NODK

0.41

NREF

0.53

Industry

NODK

Insurance - Property & Casualty

NREF

Reit - Mortgage

P/E Ratio

NODK

40.19

Winner

NREF

2.53

PEG Ratio

NODK

N/A

NREF

0.05

Dividend Yield

NODK

N/A

NREF

11.70%

5Y Dividends CAGR

NODK

N/A

NREF

2.71%

5Y EPS CAGR

NODK

-27.33%

Winner

NREF

-12.48%

Debt to Equity

NODK

0.96%

Winner

NREF

0.00%

Free Cash Flow Yield

NODK

-10.38%

Winner

NREF

5.18%

NODK vs NREF - Historical Returns

Returns include dividend reinvestment.

Period	NODK	NREF
1 month	-3.22%	+2.43%
3 months	+11.81%	+11.70%
6 months	+15.25%	+20.03%
1 year	+18.18%	+31.07%
5 years(CAGR)	-4.40%	+6.84%
10 years(CAGR)	+0.42%	N/A
Max(CAGR)	+0.42%	+11.16%

NODK

-3.22%

Winner

NREF

+2.43%

Winner

NODK

+11.81%

NREF

+11.70%

NODK

+15.25%

Winner

NREF

+20.03%

NODK

+18.18%

Winner

NREF

+31.07%

5Y(CAGR)

NODK

-4.40%

Winner

NREF

+6.84%

10Y(CAGR)

NODK

+0.42%

NREF

N/A

Max(CAGR)

NODK

+0.42%

Winner

NREF

+11.16%

NODK vs NREF - Annual Returns (2017 - 2026)

Returns include dividend reinvestment.

Year	NODK	NREF
2026	+15.60%	+28.46%
2025	-14.52%	+2.20%
2024	+21.24%	+9.78%
2023	-3.28%	+13.93%
2022	-31.49%	-10.05%
2021	+16.94%	+22.82%
2020	-3.01%	-3.19%
2019	+9.55%	N/A
2018	-6.03%	N/A
2017	+15.12%	N/A

NODK vs NREF Drawdown Comparison

The maximum drawdown for NODK was -44.88%, occurring on Mar 20, 2020. Recovery took 433 trading sessions.

The maximum drawdown for NREF was -66.26%, occurring on Mar 24, 2020. Recovery took 197 trading sessions.

The current NODK drawdown is -24.51%. The current NREF drawdown is -7.15%.

Rank	NODK	NREF
#1	-44.88% Jun 17, 2019 - Mar 5, 2021	-66.26% Feb 21, 2020 - Dec 1, 2020
#2	-40.55% Jul 23, 2021 - Oct 23, 2023	-44.75% May 17, 2022 - May 5, 2026
#3	-20.82% Jun 7, 2017 - Jun 17, 2019	-17.27% Dec 4, 2020 - Feb 19, 2021
#4	-10.40% Mar 16, 2021 - Jun 10, 2021	-16.78% Aug 13, 2021 - Mar 11, 2022
#5	-6.12% Jun 18, 2021 - Jul 20, 2021	-9.07% Jun 9, 2021 - Aug 5, 2021
#6	-3.70% Apr 11, 2017 - May 9, 2017	-8.94% Apr 13, 2021 - Jun 7, 2021
#7	-3.21% Mar 9, 2021 - Mar 12, 2021	-8.48% Aug 7, 2026 - Aug 11, 2026
#8	-2.44% Mar 16, 2017 - Mar 31, 2017	-6.57% May 8, 2026 - Jun 29, 2026
#9	-1.56% May 9, 2017 - May 11, 2017	-5.53% May 5, 2022 - May 13, 2022
#10	-1.54% May 16, 2017 - May 19, 2017	-5.22% Apr 20, 2022 - May 3, 2022
#11	-1.46% Jun 1, 2017 - Jun 6, 2017	-5.20% Feb 19, 2021 - Apr 1, 2021
#12	-1.25% May 11, 2017 - May 16, 2017	-3.76% Jul 16, 2026 - Jul 28, 2026
#13	-0.95% Jun 11, 2021 - Jun 16, 2021	-2.86% Mar 11, 2022 - Mar 17, 2022
#14	-0.84% May 22, 2017 - May 25, 2017	-2.53% Jul 7, 2026 - Jul 10, 2026
#15	-0.52% Apr 4, 2017 - Apr 7, 2017	-2.37% Aug 3, 2026 - Aug 6, 2026