Accelerant (NYSE:ARX – Get Free Report) and NI (NASDAQ:NODK – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their valuation, earnings, risk, dividends, institutional ownership, analyst recommendations and profitability.
Earnings and Valuation
This table compares Accelerant and NI”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Accelerant | $1.14 billion | 3.75 | -$1.35 billion | ($6.65) | -2.97 |
| NI | $285.05 million | 1.07 | -$10.41 million | $0.38 | 39.46 |
Profitability
This table compares Accelerant and NI’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Accelerant | -113.08% | 42.79% | 3.68% |
| NI | 2.93% | 3.18% | 1.50% |
Volatility & Risk
Accelerant has a beta of 0.08, suggesting that its share price is 92% less volatile than the S&P 500. Comparatively, NI has a beta of 0.35, suggesting that its share price is 65% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of current ratings and recommmendations for Accelerant and NI, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Accelerant | 2 | 6 | 4 | 0 | 2.17 |
| NI | 0 | 1 | 0 | 0 | 2.00 |
Accelerant presently has a consensus target price of $18.95, indicating a potential downside of 4.07%. Given Accelerant’s stronger consensus rating and higher probable upside, equities research analysts clearly believe Accelerant is more favorable than NI.
Insider & Institutional Ownership
21.9% of NI shares are owned by institutional investors. 66.6% of Accelerant shares are owned by insiders. Comparatively, 1.0% of NI shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
Summary
Accelerant beats NI on 8 of the 14 factors compared between the two stocks.
About Accelerant
Accelerant Holdings, together with its subsidiaries, operates a data-driven risk exchange that connects selected specialty insurance underwriters with risk capital partners. It operates through Exchange Services, MGA Operations, and Underwriting segments. The Exchange Services segment consists of risk exchange, its operating platform that incorporates various technology, data ingestion, and agency operations that serve the needs of its members and risk capital partners. Its Risk capital partners write premiums directly through the Risk Exchange pay us a fixed-percentage, volume-based fee for sourcing, managing, and monitoring the business they write. The MGA Operations segment includes the fees earned by members, predominantly for originating and underwriting a portfolio of insurance policies, reduced by the expenses associated with providing services. The Underwriting segment is involved in underwriting insurance policies and assumption of reinsurance policies issued or accepted by consolidated insurance and reinsurance companies. The activities of insurance companies include property and casualty insurance, policy issuance, and reinsurance arrangements. It serves small-to-medium sized commercial clients primarily in the United States, Europe, Canada, Australia, and the United Kingdom. Accelerant Holdings was founded in 2018 and is based in Grand Cayman, Cayman Islands.
About NI
NI Holdings, Inc. underwrites property and casualty insurance products in the United States. Its products include private passenger auto, non-standard automobile, homeowners, farm owners, crop hail and multi-peril crop, and liability insurance policies. The company was founded in 1946 and is headquartered in Fargo, North Dakota. NI Holdings, Inc. operates as a subsidiary of Nodak Mutual Group, Inc.
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