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Friday 6 November 2026
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Donegal Group, Inc.
DGICB Financial Services 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.
- Revenue
- −3.36%
- EPS
- +17.0%
- Free cash flow
- −33.3%
- Total debt
- 0.00%
Quarter to September 2026, against a year earlier
25.64
1.45
+5.99%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
8.59 | 10.30 | 119.00 | 0.00 | 17.96 | 7.16 | 8.44 | 0.00 | 60.88 | 14.12 |
Piotroski F-Score |
5 | 7 | 7 | 4 | 4 | 6 | 7 | 4 | 7 | 8 |
P/S ratio |
0.66 | 0.48 | 0.51 | 0.62 | 0.51 | 0.44 | 0.45 | 0.43 | 0.56 | 0.65 |
P/FCF ratio |
9.15 | 7.06 | 16.51 | 7.82 | 5.35 | 3.42 | 4.78 | 5.24 | 5.21 | 7.46 |
P/Operating CF |
64.47 | 16.88 | 181.80 | 30.50 | 22.83 | 10.59 | 13.04 | 85.11 | 22.73 | 32.41 |
P/B ratio |
1.00 | 0.87 | 0.98 | 1.09 | 0.79 | 0.67 | 0.81 | 0.84 | 0.93 | 1.01 |
Price to Tangible BV |
1.01 | 0.88 | 1.00 | 1.10 | 0.80 | 0.68 | 0.82 | 0.85 | 0.94 | 1.03 |
EV/Sales |
0.67 | 0.46 | 0.52 | 0.63 | 0.48 | 0.43 | 0.44 | 0.45 | 0.60 | 0.72 |
EV/EBITDA |
6.38 | 6.82 | 48.26 | 293.18 | 10.64 | 4.67 | 5.52 | 0.00 | 22.35 | 9.98 |
EV/Operating CF |
9.27 | 6.79 | 16.88 | 7.97 | 5.14 | 3.29 | 4.65 | 5.43 | 5.47 | 8.24 |
EV/FCF |
9.27 | 6.79 | 16.90 | 7.97 | 5.06 | 3.29 | 4.66 | 5.44 | 5.54 | 8.29 |
Quick Ratio |
0.36 | 0.38 | 0.38 | 0.39 | 0.41 | 0.44 | 0.41 | 0.42 | 0.42 | 0.41 |
Current Ratio |
0.36 | 0.38 | 0.38 | 0.39 | 0.41 | 0.44 | 0.41 | 0.42 | 0.42 | 0.41 |
Net Debt/EBITDA |
0.08 | (0.27) | 1.12 | 5.41 | (0.61) | (0.18) | (0.15) | (0.32) | 1.32 | 1.00 |
Debt/Assets |
1.47% | 1.50% | 1.54% | 1.56% | 1.55% | 4.17% | 2.08% | 3.55% | 3.68% | 4.56% |
Debt/Equity |
0.05 | 0.06 | 0.07 | 0.07 | 0.07 | 0.17 | 0.09 | 0.16 | 0.14 | 0.17 |
Asset Turnover |
0.41 | 0.43 | 0.41 | 0.38 | 0.37 | 0.38 | 0.43 | 0.43 | 0.44 | 0.44 |
Operating CF/Net income |
0.88 | 1.33 | 6.47 | (34.25) | 3.04 | 1.91 | 1.62 | (1.95) | 11.38 | 1.95 |
Capex/Depreciation |
0.00 | 0.00 | (0.01) | 0.01 | 0.21 | (0.01) | (0.03) | (0.02) | (0.18) | (0.06) |
Interest Coverage |
73.26 | 66.90 | 9.17 | (4.86) | 34.88 | 53.89 | 37.14 | (19.95) | 8.60 | 25.93 |
| 13.38% | 9.92% | 0.92% | (0.39%) | 4.82% | 10.90% | 11.10% | (7.73%) | 1.60% | 7.27% | |
| 3.36% | 2.21% | 0.20% | (0.09%) | 1.14% | 2.59% | 2.51% | (1.84%) | 0.42% | 1.95% | |
ROIC |
9.53% | 7.49% | 0.72% | (0.38%) | 3.84% | 7.98% | 8.30% | (6.98%) | 1.80% | 5.51% |
Return on Tangible Assets |
(7.32%) | (4.69%) | (0.41%) | 0.19% | (2.61%) | (6.19%) | (5.65%) | 4.17% | (1.01%) | (4.73%) |
Average Days of Receivables |
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 |
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 |
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 |
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 |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(1.77) | (2.39) | (2.40) | (2.09) | (2.49) | (2.77) | (2.44) | (2.58) | (1.88) | (1.65) |
Graham Number |
28.59 | 22.33 | 6.26 | 0.00 | 17.01 | 25.62 | 23.16 | 0.00 | 9.60 | 21.05 |
Earnings Yield |
11.64% | 9.71% | 0.84% | (0.37%) | 5.57% | 13.97% | 11.84% | (9.24%) | 1.64% | 7.08% |
Free Cash Flow Yield |
10.93% | 14.17% | 6.06% | 12.79% | 18.69% | 29.22% | 20.93% | 19.08% | 19.18% | 13.40% |
Revenue per Share |
26.93 | 29.34 | 28.06 | 26.52 | 26.37 | 26.56 | 28.44 | 27.29 | 27.00 | 25.98 |
Operating CF per Share |
1.93 | 2.00 | 0.87 | 2.10 | 2.48 | 3.45 | 2.67 | 2.26 | 2.96 | 2.27 |
Capex per Share |
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 |
1.93 | 2.00 | 0.86 | 2.10 | 2.52 | 3.45 | 2.67 | 2.25 | 2.92 | 2.25 |
Cash per Share |
0.74 | 1.57 | 0.72 | 0.79 | 1.86 | 3.52 | 1.73 | 1.86 | 1.38 | 0.93 |
Shareholders Equity per Share |
17.63 | 16.18 | 14.52 | 15.12 | 17.15 | 17.68 | 15.79 | 14.10 | 16.39 | 16.56 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
17.63 | 16.18 | 14.52 | 15.12 | 17.15 | 17.68 | 15.79 | 14.10 | 16.39 | 16.56 |
Free Cash Flow |
70.20 | 67.44 | 28.58 | 67.14 | 77.96 | 101.04 | 76.21 | 63.67 | 79.91 | 59.65 |
Working Capital |
(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 |
0.00 | 0.00 | (0.04) | 0.03 | 1.22 | (0.09) | (0.15) | (0.11) | (1.09) | (0.38) |
Net Current Asset Value |
(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 |
6.58 | 7.24 | 85.00 | 0.00 | 12.63 | 5.16 | 6.05 | 0.00 | 32.30 | 11.50 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
6.49 | 7.52 | 83.03 | 0.00 | 13.35 | 5.36 | 6.21 | 0.00 | 30.40 | 10.35 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
1.32 | 1.56 | 1.64 | 1.76 | 1.97 | 1.53 | 1.22 | 1.41 | 0.84 | 0.99 |
Cash ROIC |
10.00% | 10.64% | 5.31% | 12.35% | 12.50% | 14.21% | 14.10% | 12.33% | 14.52% | 11.10% |
Accounts Receivable Turnover |
1.65 | 1.61 | 1.46 | 1.34 | 1.35 | 1.40 | 1.54 | 1.56 | 1.65 | 1.67 |
Accounts Payable Turnover |
0.42 | 0.44 | 0.45 | 0.42 | 0.41 | 0.41 | 0.46 | 0.55 | 0.44 | 0.51 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
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 |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
592.64 | 616.25 | 634.75 | 634.22 | 605.61 | 557.21 | 526.06 | 494.62 | 446.70 | 413.00 |
Average Payables |
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 |
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 |
593.10 | 512.76 | 481.67 | 507.31 | 524.41 | 484.39 | 424.94 | 423.78 | 443.66 | 423.50 |
Columns are period end dates · fundamentals updated 5 Nov 2026