Saturday 17 October 2026 Export DGICA’s income statement to Excel — free account

Donegal Group, Inc.

DGICA Financial Insurance Property & Casualty

Donegal Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $978.0 million, down 1.17% from fiscal 2024. In the quarter to June 2026, revenue fell 2.44%, EPS grew 29.8%, free cash flow fell 51.4% and total debt was flat, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

18.68 0.17 +0.92%

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Market cap: $691.1M
P/E: 9.5×
Fwd P/E: 10.2×
Dividend yield: 4.01%
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	14.95	64.04	0.00	8.77	7.65	17.22	0.00	101.21	10.11	9.00
Piotroski F-Score Full definition →	8	7	4	7	6	4	4	7	7	5
P/S ratio Full definition →	0.68	0.64	0.50	0.52	0.53	0.54	0.54	0.51	0.53	0.74
P/FCF ratio Full definition →	7.90	5.92	6.06	5.55	4.08	5.68	6.85	16.38	7.74	10.34
P/Operating CF Full definition →	34.32	25.82	98.46	15.16	12.61	24.22	26.73	180.40	18.50	72.81
P/B ratio Full definition →	1.07	1.05	0.97	0.94	0.80	0.83	0.95	0.98	0.96	1.13
Price to Tangible BV Full definition →	1.09	1.07	0.98	0.95	0.81	0.84	0.96	0.99	0.97	1.14
EV/Sales Full definition →	0.76	0.68	0.52	0.51	0.51	0.51	0.55	0.52	0.51	0.75
EV/EBITDA Full definition →	10.50	25.20	0.00	6.45	5.60	11.32	257.59	47.90	7.50	7.19
EV/Operating CF Full definition →	8.67	6.17	6.25	5.42	3.94	5.47	7.00	16.75	7.47	10.45
EV/FCF Full definition →	8.73	6.25	6.26	5.43	3.95	5.38	7.00	16.78	7.47	10.45
Quick Ratio Full definition →	0.41	0.42	0.42	0.41	0.44	0.41	0.39	0.38	0.38	0.36
Current Ratio Full definition →	0.41	0.42	0.42	0.41	0.44	0.41	0.39	0.38	0.38	0.36
Net Debt/EBITDA Full definition →	1.00	1.32	(0.32)	(0.15)	(0.18)	(0.61)	5.41	1.12	(0.27)	0.08
Debt/Assets Full definition →	4.56%	3.68%	3.55%	2.08%	4.17%	1.55%	1.56%	1.54%	1.50%	1.47%
Debt/Equity Full definition →	0.17	0.14	0.16	0.09	0.17	0.07	0.07	0.07	0.06	0.05
Asset Turnover Full definition →	0.44	0.44	0.43	0.43	0.38	0.37	0.38	0.41	0.43	0.41
Operating CF/Net income Full definition →	1.95	11.38	(1.95)	1.62	1.91	3.04	(34.25)	6.47	1.33	0.88
Capex/Depreciation Full definition →	(0.06)	(0.18)	(0.02)	(0.03)	(0.01)	0.21	0.01	(0.01)	0.00	0.00
Interest Coverage Full definition →	25.93	8.60	(19.95)	37.14	53.89	34.88	(4.86)	9.17	66.90	73.26
ROE Full definition →	7.27%	1.60%	(7.73%)	11.10%	10.90%	4.82%	(0.39%)	0.92%	9.92%	13.38%
ROA Full definition →	1.95%	0.42%	(1.84%)	2.51%	2.59%	1.14%	(0.09%)	0.20%	2.21%	3.36%
ROIC Full definition →	5.51%	1.80%	(6.98%)	8.30%	7.98%	3.84%	(0.38%)	0.72%	7.49%	9.53%
Return on Tangible Assets Full definition →	(4.73%)	(1.01%)	4.17%	(5.65%)	(6.19%)	(2.61%)	0.19%	(0.41%)	(4.69%)	(7.32%)
Average Days of Receivables Full definition →	224.55	232.06	245.61	239.35	272.95	281.45	274.92	248.21	221.99	217.73
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	15.67%	15.57%	15.67%	15.07%	15.31%	15.77%	16.79%	16.63%	16.20%	15.62%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Graham Net Nets Full definition →	(1.56)	(1.65)	(2.23)	(2.10)	(2.33)	(2.34)	(2.38)	(2.42)	(2.18)	(1.57)
Graham Number Full definition →	21.05	9.98	0.00	24.50	27.06	17.90	0.00	6.76	23.60	29.68
Earnings Yield Full definition →	6.69%	1.56%	(8.72%)	11.40%	13.08%	5.81%	(0.35%)	0.99%	9.89%	11.11%
Free Cash Flow Yield Full definition →	12.65%	16.88%	16.49%	18.00%	24.52%	17.62%	14.60%	6.10%	12.92%	9.67%
Revenue per Share Full definition →	25.98	27.00	27.29	28.44	26.56	26.37	26.52	28.06	29.34	26.93
Operating CF per Share Full definition →	2.27	2.96	2.26	2.67	3.45	2.48	2.10	0.87	2.00	1.93
Capex per Share Full definition →	(0.01)	(0.04)	0.00	(0.01)	0.00	0.04	0.00	0.00	0.00	0.00
Free Cash Flow per Share Full definition →	2.25	2.92	2.25	2.67	3.45	2.52	2.10	0.86	2.00	1.93
Cash per Share Full definition →	0.93	1.38	1.86	1.73	3.52	1.86	0.79	0.72	1.57	0.74
Shareholders Equity per Share Full definition →	16.56	16.39	14.10	15.79	17.68	17.15	15.12	14.52	16.18	17.63
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	16.56	16.39	14.10	15.79	17.68	17.15	15.12	14.52	16.18	17.63
Free Cash Flow Full definition →	59.65	79.91	63.67	76.21	101.04	77.96	67.14	28.58	67.44	70.20
Working Capital Full definition →	(657.22)	(711.89)	(790.44)	(838.38)	(857.08)	(971.28)	(1,047.59)	(1,083.86)	(1,085.92)	(1,086.60)
Capital Expenditures Full definition →	(0.38)	(1.09)	(0.11)	(0.15)	(0.09)	1.22	0.03	(0.04)	0.00	0.00
Net Current Asset Value Full definition →	(736.40)	(781.53)	(861.25)	(890.07)	(957.99)	(1,036.86)	(1,095.75)	(1,132.13)	(1,135.46)	(1,136.01)
EV/EBIT Full definition →	12.11	36.44	0.00	7.06	6.19	13.44	0.00	84.36	7.96	7.42
Capex to Sales Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Price to Operating Income Full definition →	10.96	34.53	0.00	7.22	6.39	14.17	0.00	82.39	8.25	7.33
Other line items
Depreciation/Fixed assets Full definition →	0.99	0.84	1.41	1.22	1.53	1.97	1.76	1.64	1.56	1.32
Cash ROIC Full definition →	11.10%	14.52%	12.33%	14.10%	14.21%	12.50%	12.35%	5.31%	10.64%	10.00%
Accounts Receivable Turnover Full definition →	1.67	1.65	1.56	1.54	1.40	1.35	1.34	1.46	1.61	1.65
Accounts Payable Turnover Full definition →	0.51	0.44	0.55	0.46	0.41	0.41	0.42	0.45	0.44	0.42
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	733.26	880.91	702.06	806.57	931.07	921.60	880.75	826.15	830.84	852.27
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	413.00	446.70	494.62	526.06	557.21	605.61	634.22	634.75	616.25	592.64
Average Payables Full definition →	1,046.20	1,134.32	1,264.26	1,364.48	1,452.37	1,583.62	1,680.95	1,720.85	1,736.07	1,716.19
Average Assets Full definition →	1,580.48	1,680.53	1,785.00	1,877.62	2,041.84	2,207.85	2,249.26	2,254.82	2,301.16	2,361.33
Average Common Equity Full definition →	423.50	443.66	423.78	424.94	484.39	524.41	507.31	481.67	512.76	593.10

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