On the stock market since 2017, it operates in the world of money and finance. It has 172 employees. Now — the numbers.
The company is still in the product-building phase: its spending runs above its sales. That only changes once the product starts selling at scale.
An average decline of 3% a year over the last 4 years — the most striking risk in this picture. Red columns mark years that ended in a loss.
Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Clearly below the class average.
The stock has been running stronger than the market lately.
Growth: Sales growth trails the sector average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades 22% below its peak. The market has trimmed its expectations for the company.
Sales run at $285.1M a year. A small number, but proof the product has real buyers.
Over the last 12 months, company executives reported 19 buys and 7 sells. Management buying with its own money is usually read as a good sign.
A loss of $10.4M against $285.1M in annual sales. And on top of that, sales fell from the year before.
The growth engine is running at low revs right now. Report-card grade: 2/100.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 9/100.
On our five-subject report card, NODK sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: NODK is a high-risk stock — not yet profitable, and its future rides on its product catching on.