Donegal Group Inc. DGICA R2K

Financial Services · Insurance - Property & Casualty · United States

https://www.donegalgroup.com

Donegal Group Inc., an insurance holding company, provides commercial and personal lines of property and casualty coverages. It operates through three segments: Investment Function, Commercial Lines of Insurance, and Personal Lines of Insurance. The company offers protection against liability for bodily injury and property damage arising from automobile accidents and protection against loss from damage to automobiles owned by the insured for commercial automobile; protection to businesses against perils combining liability and physical damage coverages; and benefits to employees for injuries sustained during employment. It provides protection against liability for bodily injury and property damage arising from automobile accidents and protection against loss from damage to automobiles owned by the insured for private passenger automobile; and coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft. The company markets its insurance products primarily to Mid-Atlantic, Midwest, Southern, and Southwestern states through a network of independent insurance agents. The company was incorporated in 1986 and is based in Marietta, Pennsylvania. Donegal Group Inc. operates as a subsidiary of Donegal Mutual Insurance Company.

Market & Price

Market Cap

$628.73M

Current Price

$16.97

High / Low (52W)

$20.51 / $16.24

Beta

-0.01

Valuation

Stock P/E

9.53

Industry PE

12.01

Forward P/E

9.05

PEG Ratio

1.38

Book Value

$17.54

Price to Book

0.97

P/S

0.65

EV/EBITDA

7.10

Dividend Yield

4.54%

Profitability & Returns

ROCE

ROE

10.64%

ROA

2.12%

Profit Margin

6.78%

Op Margin

6.13%

EPS (Latest Qtr)

$0.31

EPS (TTM)

$1.78

Balance Sheet & Liquidity

Debt/Equity

0.05

Quick Ratio

0.15

Current Ratio

0.50

Debt

$35.00M

Total Assets

$2.39B

Current Assets

Working Capital

Ownership

Promoter Holding

1.95%

Chg in Prom Hold

FII / Inst Holding

86.63%

Chg in FII Hold

0.03%

Financial Snapshot

Enterprise Value

$602.21M

Total Revenue (TTM)

$968.84M

EBITDA

$84.82M

Free Cash Flow

$47.14M

Operating Cash Flow

$64.62M

Shares Outstanding

31.47M

Gross Margin

8.52%

Payout Ratio

41.01%

Growth (CAGR)

Revenue 5Y

4.86%

Profit 5Y

1,383.08%

Revenue (YoY)

-3.70%

Earnings (YoY)

-56.20%

PROS

Profit CAGR of 1383.1% over 5 years.
Attractive dividend yield of 4.54%.
Generates positive free cash flow.

CONS

In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	DGICA Donegal Group Inc. R2K	16.97	9.53	$628.73M	4.54%	-	10.64%	4.86%	1,383.08%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	159.80M	163.80M	166.07M	169.85M	175.31M	177.20M	178.97M	183.58M	185.72M	190.76M	189.33M	195.79M	199.90M	186.81M	214.71M	198.79M	198.01M	200.94M	184.91M	198.90M	196.51M	197.50M	197.97M	205.15M	203.11M	207.63M	204.31M	212.84M	224.75M	229.20M	233.93M	241.14M	246.77M	251.74M	-	245.17M	247.15M	245.92M	240.14M	236.00M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	31.49M	20.76M	25.39M	21.30M	14.46M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	333.05K	336.70K	340.43K	340.43K	333.02K
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	31.16M	20.42M	25.05M	20.96M	14.12M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.96M	3.56M	4.97M	3.77M	2.61M
Net Income	5.69M	1.98M	11.85M	8.58M	4.81M	5.55M	5.10M	-2.32M	7.11M	-2.78M	-18.18M	-789.86K	1.21M	-15.00M	23.02M	4.79M	5.19M	14.15M	3.73M	22.68M	11.84M	14.57M	10.53M	16.16M	-6.71M	13.15M	-8.21M	-10.38M	5.20M	2.00M	-805.30K	5.96M	4.15M	16.75M	-	25.21M	16.87M	20.08M	17.19M	11.51M
Diluted EPS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.71	0.46	0.55	0.47	0.31

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	386.73M	408.55M	475.02M	514.98M	547.11M	586.55M	636.39M	688.42M	739.03M	771.83M	812.45M	777.82M	-	848.22M	927.34M	989.61M	978.01M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-3.02M	5.68M	63.28M	98.94M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	620.56K	619.81K	946.02K	1.35M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-3.64M	5.06M	62.34M	97.59M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.68M	637.97K	11.48M	18.25M
Net Income	18.83M	11.47M	452.95K	23.09M	26.32M	14.54M	20.99M	30.80M	7.12M	-32.76M	47.15M	52.82M	-	-1.96M	4.43M	50.86M	79.34M
Diluted EPS	-	-	-	-	-	-	-	-	-	-	-	-	-	-0.06	0.11	1.53	2.18

Compounded Sales Growth

5 Years:	4.86%
1 Year:	-3.70%

Compounded Profit Growth

5 Years:	1,383.08%
1 Year:	-56.20%

Stock Price Performance

1 Year:	-12.41%
6 Months:	-13.76%
3 Months:	-2.57%
1 Month:	-2.63%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.17B	1.29B	1.34B	1.39B	1.46B	1.54B	1.62B	1.74B	1.83B	1.92B	2.16B	-	2.24B	2.27B	2.34B	2.39B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	-	-	-	-	-	-	-	-	-	-	-	-	25.12M	23.79M	52.93M	26.79M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	630.37M	622.52M	601.87M	579.39M
Total Liabilities	-	-	794.52M	907.34M	936.86M	988.53M	1.04B	1.13B	1.18B	1.29B	1.43B	1.47B	1.64B	-	1.76B	1.79B	1.79B	1.75B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	35.00M	35.00M	35.00M	35.00M
Total Equity	363.58M	385.51M	380.10M	383.45M	400.03M	396.88M	416.13M	408.39M	438.62M	448.70M	398.87M	451.02M	517.77M	-	483.59M	479.75M	545.78M	640.42M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	35.77M	36.41M	38.60M	40.03M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	34.10M	22.00M	21.08M	24.96M	46.01M	-	-	60.03M	81.00M	63.78M	76.36M	101.13M	-	67.11M	28.62M	67.44M	70.20M
Investing Cash Flow	-13.00M	-43.19M	-31.11M	-4.76M	-28.07M	-	-	-51.32M	-58.44M	-37.61M	-43.38M	-99.68M	-	-98.50M	-16.71M	-48.04M	-91.13M
Financing Cash Flow	-10.01M	24.60M	6.93M	-13.65M	-10.10M	-	-	-12.26M	-9.31M	-11.41M	-36.26M	52.32M	-	-1.20M	-13.25M	9.73M	-5.21M
Capital Expenditure	-941.02K	-651.16K	-238.54K	-744.08K	-1.25M	-2.13M	-151.54K	-	-	-	-	-	-	-	-44.70K	-	-425
Free Cash Flow	33.16M	21.35M	20.84M	24.22M	44.75M	-	-	-	-	-	-	-	-	67.11M	28.58M	67.44M	70.20M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-32.59M	-1.33M	29.13M	-26.14M
Share Buybacks	393.64K	145.69K	1.54M	1.93M	376.46K	12.03K	28.12M	-	-	-	-	-	-	-	-	-	-
Dividends Paid	-	-	-	-	-	-	-	-	-	-	-	-	-	20.50M	21.89M	22.70M	25.67M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-0.4%	0.6%	6.4%	10.1%
Net Margin %	4.9%	2.8%	0.1%	4.5%	4.8%	2.5%	3.3%	4.5%	1.0%	-4.2%	5.8%	6.8%	-	-0.2%	0.5%	5.1%	8.1%
ROE %	4.9%	3.0%	0.1%	5.8%	6.6%	3.5%	5.1%	7.0%	1.6%	-8.2%	10.5%	10.2%	-	-0.4%	0.9%	9.3%	12.4%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

1.95%

Institutions

86.63%

Public Float

88.35%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	6.06%	1.91M	$32.36M
2	Dimensional Fund Advisors LP	5.52%	1.74M	$29.48M
3	Vanguard Capital Management LLC	2.38%	749.15K	$12.71M
4	Geode Capital Management, LLC	1.77%	555.95K	$9.43M
5	Old Republic International Corp	1.35%	425.50K	$7.22M
6	American Century Companies Inc	1.26%	395.98K	$6.72M
7	Renaissance Technologies, LLC	1.25%	392.71K	$6.66M
8	State Street Corporation	1.25%	392.57K	$6.66M
9	ProShare Advisors, LLC	1.13%	356.31K	$6.05M
10	Connor Clark & Lunn Investment Management Ltd	1.10%	347.65K	$5.90M

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DGICA · Financial Services