Donegal Group Inc.

DGICA | undefined

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Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $685.32M

Enterprise Value $661.6M

Beta -0.03

Average Volume 133.79K

Shares Outstanding (Diluted) 31.91M

Shares Change YoY -12.23%

Institutional Ownership 35.44%

Exchange NASDAQ

ISIN US2577012014

Price Performance

Price Change 1M -0.9%

Price Change 3M 2.7%

Price Change 6M 9.3%

Price Change YTD -4.3%

Price Change 1Y -3.9%

Price Change 3Y 24.3%

Price Change 5Y 28.7%

1M CAGR (ann.) -3.3%

1Y CAGR (ann.) -0.8%

5Y CAGR (ann.) 9.3%

All-Time CAGR 3.5%

Valuation

PE Ratio 9.39

Forward PE 11.54

PEG Ratio -0.52

Forward PEG 1.70

PS Ratio 0.71

Forward PS 0.80

PB Ratio 1.03

P/FCF Ratio 10.61

P/Adj. FCF Ratio 10.61

P/OCF Ratio 10.00

EV/Sales 0.69

EV/EBIT 10.82

EV/EBITDA 13.74

EV/FCF 10.24

Earnings Yield 10.7%

FCF Yield 9.4%

Adj. FCF Yield 9.4%

Financial Health

Net Cash $23.72M

Total Debt $0

Cash & Short-Term Investments $23.72M

Total Assets $2.48B

Current Ratio 0.74

Quick Ratio 0.74

Debt / Equity Ratio 0.05

Debt / EBITDA 0.00

Debt / FCF 0.00

OCF / Debt N/A

Interest Coverage 64.92

Altman Z-Score 0.65

Piotroski F-Score 3

Margins & Profitability

Gross Profit Margin 27.1%

Operating Profit Margin 4.8%

EBITDA Margin 9.5%

Net Profit Margin 7.4%

FCF Margin 6.7%

Adj. FCF Margin 6.7%

SBC / Revenue 0.0%

SBC Impact (per share) N/A

Returns

Return on Assets 2.9%

Return on Equity 11.0%

Return on Invested Capital 10.0%

Return on Capital Employed 13.0%

Return on Tangible Assets 3.0%

Historical Growth (CAGR)

Revenue CAGR 3Y 2.7%

Revenue CAGR 5Y 3.9%

Revenue CAGR 10Y 3.9%

EPS CAGR 3Y 57.1%

EPS CAGR 5Y 2.1%

EPS CAGR 10Y 4.7%

FCF CAGR 3Y 12.3%

FCF CAGR 5Y -11.7%

FCF CAGR 10Y -0.7%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 1

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 28, 2026

EPS Estimate (next Q) $0.43

EPS Growth Est (next Q) -17.3%

Revenue Est (next Q) $214.12M

Revenue Growth Est (next Q) -12.9%

Fair Value Estimates

Graham Number $30.72

Graham Upside 65.2%

Lynch Fair Value $9.90

Lynch Upside -46.8%

Price Target $20

Price Target Upside 7.5%

Cash Flow

Operating Cash Flow $64.62M

Free Cash Flow $64.62M

Adj. Free Cash Flow $64.62M

FCF Per Share $1.86

OCF Per Share $1.86

OCF/S Ratio 6.1%

Income Statement

Revenue $963.18M

Gross Profit $130.63M

Operating Income $46.01M

EBITDA $48.16M

Net Income $71.09M

EPS (Diluted) $1.98

Revenue / Employee $1.13M

Profit / Employee $83.53K

Employees 851

Dividends

Annual Dividend $0.75

Dividend Yield 4.03%

Payout Ratio 37.9%

FCF Payout Ratio 40.7%

Adj. FCF Payout Ratio 40.7%

Dividend Growth (YoY) 5.6%

Pay Frequency Quarterly

Ex-Dividend Date Jul 30, 2026