Donegal Group, Inc. (DGICA) vs Global Indemnity PLC (GBLI)

Donegal Group, Inc. and Global Indemnity PLC are both Insurance Property & Casualty companies. Donegal Group, Inc. is the larger, with a market value of $732.0M against $307.5M — 2.4× the size. Donegal Group, Inc. trades at the lower P/E: 9.7× against 10.0×. Global Indemnity PLC grew revenue faster over the last twelve months: 2.97% against −3.40%. Donegal Group, Inc. has the higher net margin (7.25% vs 6.64%) and the higher return on invested capital (8.10% vs 4.62%). Both pay a dividend; Global Indemnity PLC yields more (6.65% vs 4.02%). Across the 19 metrics below, Donegal Group, Inc. leads on 13 and Global Indemnity PLC on 6.

Valuation

Metric DGICA GBLI Insurance Property & Casualty median
P/E 9.65 10.02 12.17
P/S 0.73 0.67 1.26
P/B 1.06 0.43 1.85
Price to free cash flow 13.76 n/m 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.36% 9.98% 8.20%
Free cash flow yield 7.27% (9.11%) 11.86%

Profitability

Metric DGICA GBLI Insurance Property & Casualty median
Gross margin 0.00% 0.00% 37.39%
Operating margin 9.01% 8.96% 14.67%
Net margin 7.25% 6.64% 10.16%
Free cash flow margin 5.34% (6.07%) 18.60%
Return on equity 10.73% 0.00% 16.59%
Return on assets 2.83% 1.77% 3.38%
Return on invested capital 8.10% 4.62% 9.43%

Growth

Metric DGICA GBLI Insurance Property & Casualty median
Revenue growth (TTM) (3.40%) 2.97% 5.70%
EPS growth (last fiscal year) 42.48% (43.91%) 39.61%
Revenue growth, 5-year CAGR 4.69% (5.06%) 9.23%
Net income growth, 5-year CAGR 8.48% 0.00% 10.09%

Health

Metric DGICA GBLI Insurance Property & Casualty median
Debt to equity 0.05 0.03 0.25
Current ratio 0.37 0.26 0.49
Net debt to EBITDA 0.08 (0.87) 0.08

Dividend

Metric DGICA GBLI Insurance Property & Casualty median
Dividend yield 4.02% 6.65% 1.56%
Payout ratio 0.39 0.67 0.15

Size

Metric DGICA GBLI Insurance Property & Casualty median
Market cap 731.97m 307.45m 2.64b

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