Donegal Group, Inc. DGICA

Financial — Insurance Property & Casualty

18.09 0.17 0.95% as of 25 Sep

Market cap: $662.3M
P/E: 9.2×

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

	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
P/E ratio Full definition →	9.00	10.11	101.21	0.00	17.22	7.65	8.77	0.00	64.04	14.95
P/S ratio Full definition →	0.74	0.53	0.51	0.54	0.54	0.53	0.52	0.50	0.64	0.68
P/FCF ratio Full definition →	10.34	7.74	16.38	6.85	5.68	4.08	5.55	6.06	5.92	7.90
P/Operating CF Full definition →	72.81	18.50	180.40	26.73	24.22	12.61	15.16	98.46	25.82	34.32
P/B ratio Full definition →	1.13	0.96	0.98	0.95	0.83	0.80	0.94	0.97	1.05	1.07
Price to Tangible BV Full definition →	1.14	0.97	0.99	0.96	0.84	0.81	0.95	0.98	1.07	1.09
EV/Sales Full definition →	0.75	0.51	0.52	0.55	0.51	0.51	0.51	0.52	0.68	0.76
EV/EBITDA Full definition →	7.19	7.50	47.90	257.59	11.32	5.60	6.45	0.00	25.20	10.50
EV/Operating CF Full definition →	10.45	7.47	16.75	7.00	5.47	3.94	5.42	6.25	6.17	8.67
EV/FCF Full definition →	10.45	7.47	16.78	7.00	5.38	3.95	5.43	6.26	6.25	8.73
Quick Ratio Full definition →	0.36	0.38	0.38	0.39	0.41	0.44	0.41	0.42	0.42	0.41
Current Ratio Full definition →	0.36	0.38	0.38	0.39	0.41	0.44	0.41	0.42	0.42	0.41
Net Debt/EBITDA Full definition →	0.08	(0.27)	1.12	5.41	(0.61)	(0.18)	(0.15)	(0.32)	1.32	1.00
Debt/Assets Full definition →	1.47%	1.50%	1.54%	1.56%	1.55%	4.17%	2.08%	3.55%	3.68%	4.56%
Debt/Equity Full definition →	0.05	0.06	0.07	0.07	0.07	0.17	0.09	0.16	0.14	0.17
Asset Turnover Full definition →	0.41	0.43	0.41	0.38	0.37	0.38	0.43	0.43	0.44	0.44
Operating CF/Net income Full definition →	0.88	1.33	6.47	(34.25)	3.04	1.91	1.62	(1.95)	11.38	1.95
Capex/Depreciation Full definition →	0.00	0.00	(0.01)	0.01	0.21	(0.01)	(0.03)	(0.02)	(0.18)	(0.06)
Interest Coverage Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
ROE Full definition →	13.38%	9.92%	0.92%	(0.39%)	4.82%	10.90%	11.10%	(7.73%)	1.60%	7.27%
ROA Full definition →	3.36%	2.21%	0.20%	(0.09%)	1.14%	2.59%	2.51%	(1.84%)	0.42%	1.95%
ROIC Full definition →	9.53%	7.49%	0.72%	(0.38%)	3.84%	7.98%	8.30%	(6.98%)	1.80%	5.51%
Return on Tangible Assets Full definition →	(7.32%)	(4.69%)	(0.41%)	0.19%	(2.61%)	(6.19%)	(5.65%)	4.17%	(1.01%)	(4.73%)
Average Days of Receivables Full definition →	217.73	221.99	248.21	274.92	281.45	272.95	239.35	245.61	232.06	224.55
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 →	15.62%	16.20%	16.63%	16.79%	15.77%	15.31%	15.07%	15.67%	15.57%	15.67%
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 →	(1.57)	(2.18)	(2.42)	(2.38)	(2.34)	(2.33)	(2.10)	(2.23)	(1.65)	(1.56)
Graham Number Full definition →	29.68	23.60	6.76	0.00	17.90	27.06	24.50	0.00	9.98	21.05
Earnings Yield Full definition →	11.11%	9.89%	0.99%	(0.35%)	5.81%	13.08%	11.40%	(8.72%)	1.56%	6.69%
Free Cash Flow Yield Full definition →	9.67%	12.92%	6.10%	14.60%	17.62%	24.52%	18.00%	16.49%	16.88%	12.65%
Revenue per Share Full definition →	26.93	29.34	28.06	26.52	26.37	26.56	28.44	27.29	27.00	25.98
Operating CF per Share Full definition →	1.93	2.00	0.87	2.10	2.48	3.45	2.67	2.26	2.96	2.27
Capex per Share Full definition →	0.00	0.00	0.00	0.00	0.04	0.00	(0.01)	0.00	(0.04)	(0.01)
Free Cash Flow per Share Full definition →	1.93	2.00	0.86	2.10	2.52	3.45	2.67	2.25	2.92	2.25
Cash per Share Full definition →	0.74	1.57	0.72	0.79	1.86	3.52	1.73	1.86	1.38	0.93
Shareholders Equity per Share Full definition →	17.63	16.18	14.52	15.12	17.15	17.68	15.79	14.10	16.39	16.56
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 →	17.63	16.18	14.52	15.12	17.15	17.68	15.79	14.10	16.39	16.56
Free Cash Flow Full definition →	70.20	67.44	28.58	67.14	77.96	101.04	76.21	63.67	79.91	59.65
Working Capital Full definition →	(1,086.60)	(1,085.92)	(1,083.86)	(1,047.59)	(971.28)	(857.08)	(838.38)	(790.44)	(711.89)	(657.22)
Capital Expenditures Full definition →	0.00	0.00	(0.04)	0.03	1.22	(0.09)	(0.15)	(0.11)	(1.09)	(0.38)
Net Current Asset Value Full definition →	(1,136.01)	(1,135.46)	(1,132.13)	(1,095.75)	(1,036.86)	(957.99)	(890.07)	(861.25)	(781.53)	(736.40)
EV/EBIT Full definition →	7.42	7.96	84.36	0.00	13.44	6.19	7.06	0.00	36.44	12.11
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
Net Profit Margin Full definition →	8.11%	5.14%	0.48%	(0.23%)	3.09%	6.79%	5.80%	(4.24%)	0.96%	4.47%
Price to Operating Income Full definition →	7.33	8.25	82.39	0.00	14.17	6.39	7.22	0.00	34.53	10.96
Other line items
Depreciation/Fixed assets Full definition →	1.32	1.56	1.64	1.76	1.97	1.53	1.22	1.41	0.84	0.99
Cash ROIC Full definition →	9.67%	10.25%	4.83%	11.84%	11.83%	13.61%	13.29%	11.44%	13.39%	9.93%
Accounts Receivable Turnover Full definition →	1.65	1.61	1.46	1.34	1.35	1.40	1.54	1.56	1.65	1.67
Accounts Payable Turnover Full definition →	0.42	0.44	0.45	0.42	0.41	0.41	0.46	0.55	0.44	0.51
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 →	852.27	830.84	826.15	880.75	921.60	931.07	806.57	702.06	880.91	733.26
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 →	592.64	616.25	634.75	634.22	605.61	557.21	526.06	494.62	446.70	413.00
Average Payables Full definition →	1,716.19	1,736.07	1,720.85	1,680.95	1,583.62	1,452.37	1,364.48	1,264.26	1,134.32	1,046.20
Average Assets Full definition →	2,361.33	2,301.16	2,254.82	2,249.26	2,207.85	2,041.84	1,877.62	1,785.00	1,680.53	1,580.48
Average Common Equity Full definition →	593.10	512.76	481.67	507.31	524.41	484.39	424.94	423.78	443.66	423.50

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Donegal Group, Inc. DGICA

Donegal Group, Inc. DGICA

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