Donegal Group, Inc. DGICB

Financial Services — Insurance Property & Casualty

18.20 0.79 4.54% as of 25 Sep

Market cap: $446.3M
P/E: 10.2×

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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 →	14.12	60.88	0.00	8.44	7.16	17.96	0.00	119.00	10.30	8.59
P/S ratio Full definition →	0.65	0.56	0.43	0.45	0.44	0.51	0.62	0.51	0.48	0.66
P/FCF ratio Full definition →	7.46	5.21	5.24	4.78	3.42	5.35	7.82	16.51	7.06	9.15
P/Operating CF Full definition →	32.41	22.73	85.11	13.04	10.59	22.83	30.50	181.80	16.88	64.47
P/B ratio Full definition →	1.01	0.93	0.84	0.81	0.67	0.79	1.09	0.98	0.87	1.00
Price to Tangible BV Full definition →	1.03	0.94	0.85	0.82	0.68	0.80	1.10	1.00	0.88	1.01
EV/Sales Full definition →	0.72	0.60	0.45	0.44	0.43	0.48	0.63	0.52	0.46	0.67
EV/EBITDA Full definition →	9.98	22.35	0.00	5.52	4.67	10.64	293.18	48.26	6.82	6.38
EV/Operating CF Full definition →	8.24	5.47	5.43	4.65	3.29	5.14	7.97	16.88	6.79	9.27
EV/FCF Full definition →	8.29	5.54	5.44	4.66	3.29	5.06	7.97	16.90	6.79	9.27
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 →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
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 →	(1.65)	(1.88)	(2.58)	(2.44)	(2.77)	(2.49)	(2.09)	(2.40)	(2.39)	(1.77)
Graham Number Full definition →	21.05	9.60	0.00	23.16	25.62	17.01	0.00	6.26	22.33	28.59
Earnings Yield Full definition →	7.08%	1.64%	(9.24%)	11.84%	13.97%	5.57%	(0.37%)	0.84%	9.71%	11.64%
Free Cash Flow Yield Full definition →	13.40%	19.18%	19.08%	20.93%	29.22%	18.69%	12.79%	6.06%	14.17%	10.93%
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 →	11.50	32.30	0.00	6.05	5.16	12.63	0.00	85.00	7.24	6.58
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 →	4.47%	0.96%	(4.24%)	5.80%	6.79%	3.09%	(0.23%)	0.48%	5.14%	8.11%
Price to Operating Income Full definition →	10.35	30.40	0.00	6.21	5.36	13.35	0.00	83.03	7.52	6.49
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 →	9.93%	13.39%	11.44%	13.29%	13.61%	11.83%	11.84%	4.83%	10.25%	9.67%
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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Donegal Group, Inc. DGICB

Donegal Group, Inc. DGICB

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