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DONEGAL GROUP INC

Data quality: 100%
DGICB
Nasdaq Financial Services Insurance Carriers
$18.89
$0.00 (0.00%)
Mkt Cap: 734.10 M
Price
$18.89
Mkt Cap
734.10 M
Day Range
$18.00 — $18.89
52-Week Range
$13.84 — $20.46
Volume
117
Open $18.19
50D / 200D Avg
$16.47
14.66% above
50D / 200D Avg
$16.20
16.60% above

Quick Summary

Key Takeaways

Revenue grew 4.62% annually over 5 years — modest growth
Earnings grew 55.99% over the past year
ROE of 12.87% — decent returns on equity
Generating 70.20 M in free cash flow
P/E of 9.25 — trading at a low valuation
PEG of 0.28 suggests growth is underpriced

Growth

Revenue Growth (5Y)
4.62%
Below sector avg (5.83%)
Revenue (1Y)-1.17%
Earnings (1Y)55.99%
FCF Growth (3Y)56.60%

Quality

Return on Equity
12.87%
Above sector avg (9.24%)
ROICN/A
Net Margin8.11%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
9.25
Below sector avg (11.15)
P/B Ratio1.17
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2150 peers)
Metric Stock Sector Median
P/E 9.3 11.2
P/B 1.2 1.2
ROE % 12.9 9.2
Net Margin % 8.1 9.4
Rev Growth 5Y % 4.6 5.8
D/E — 0.5

All Fundamental Metrics
Growth
Revenue Growth (1Y) -1.17% Revenue Growth (3Y) 2.70%
Earnings Growth (1Y) 55.99% Earnings Growth (3Y) 323.42%
Revenue Growth (5Y) 4.62% Earnings Growth (5Y) 33.13%
Profitability
Revenue (TTM) 978.01 M Net Income (TTM) 79.34 M
ROE 12.87% ROA 3.29%
Gross Margin N/A Operating Margin N/A
Net Margin 8.11% Free Cash Flow (TTM) 70.20 M
ROIC N/A FCF Growth (3Y) 56.60%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.41
Working Capital N/A Tangible Book Value 620.86 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 9.25 Forward P/E N/A
P/B Ratio 1.17 P/S Ratio 0.75
PEG Ratio 0.28 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 9.56%
Market Cap 734.10 M Enterprise Value 734.10 M
Per Share
EPS (Diluted TTM) N/A Revenue / Share 25.17
FCF / Share 1.81 OCF / Share 1.81
EPS CAGR (1Y) N/A EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue N/A FCF Conversion 88.48%
SBC-Adj. FCF N/A Growth Momentum -5.79

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 978.01 M 989.61 M 927.34 M 848.22 M 816.47 M
Net Income 79.34 M 50.86 M 4.43 M -1.96 M 25.25 M
EPS (Diluted) — — — — —
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 3.08 M 3.87 M 4.33 M 4.84 M 5.84 M
Interest Expense 1.35 M 946,020.0 619,813.0 620,558.0 895,605.0
Income Tax 18.25 M 11.48 M 637,972.0 -1.68 M 5.08 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2.39 B 2.34 B 2.27 B 2.24 B 2.26 B
Total Liabilities 1.75 B 1.79 B 1.79 B 1.76 B 1.72 B
Shareholders' Equity 640.42 M 545.78 M 479.75 M 483.59 M 531.04 M
Total Debt — — — — —
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —