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Try Stocky free →Avoid. NIC's modest 46/100 Growth Compounder Score reflects slowing revenue expansion in a structurally challenged lending platform. Material dependency on SBA and USDA funding cycles creates recurring revenue volatility—government lapses directly interrupt loan origination, a risk uncompensated by the 13.9× forward multiple or weak 55/100 Leadership Alignment.
Every stock is scored across six proprietary dimensions built for retail investors who want Buffett-quality analysis without a Bloomberg subscription. Here's the actual snapshot for NIC:
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Stocky rates NIC (NIC) at 38/100 — an Avoid — fundamentals or risks are too weak. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Avoid. NIC's modest 46/100 Growth Compounder Score reflects slowing revenue expansion in a structurally challenged lending platform. Material dependency on SBA and USDA funding cycles creates recurring revenue volatility—government laps
NIC's current Stocky Verdict is 38/100, placing it in the "Avoid" band. This composite combines a 46/100 Compounder score, 55/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for NIC yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
NIC scores 55/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
NIC's Vulnerability Profile scores 25/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to NIC.
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