Donegal Group, Inc. (DGICA) vs Presurance Holdings, Inc. (PRHI)

Donegal Group, Inc. and Presurance Holdings, Inc. are both Insurance Property & Casualty companies. Donegal Group, Inc. is the larger, with a market value of $732.0M against $25.6M — 28.6× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Donegal Group, Inc. trades at 9.6×. Donegal Group, Inc. grew revenue faster over the last twelve months: −3.40% against −49.0%. Donegal Group, Inc. has the higher net margin (7.25% vs −49.6%) and the higher return on invested capital (8.10% vs −36.1%). Across the 18 metrics below, Donegal Group, Inc. leads on 16 and Presurance Holdings, Inc. on 2.

Valuation

Metric DGICA PRHI Insurance Property & Casualty median
P/E 9.56 n/m 11.90
P/S 0.73 0.82 1.24
P/B 1.05 0.95 1.86
Price to free cash flow 13.62 n/m 7.91
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.46% (145.52%) 8.14%
Free cash flow yield 7.34% (174.77%) 11.91%

Profitability

Metric DGICA PRHI Insurance Property & Casualty median
Gross margin 0.00% (8.27%) 39.44%
Operating margin 9.01% (35.38%) 14.71%
Net margin 7.25% (49.57%) 10.47%
Free cash flow margin 5.34% (143.99%) 18.60%
Return on equity 10.73% (56.67%) 16.87%
Return on assets 2.83% (6.27%) 3.49%
Return on invested capital 8.10% (36.11%) 11.84%

Growth

Metric DGICA PRHI Insurance Property & Casualty median
Revenue growth (TTM) (3.40%) (49.03%) 5.51%
EPS growth (last fiscal year) 42.48% (178.24%) 39.61%
Revenue growth, 5-year CAGR 4.69% (15.99%) 9.23%
Net income growth, 5-year CAGR 8.48% 0.00% 10.09%

Health

Metric DGICA PRHI Insurance Property & Casualty median
Debt to equity 0.05 0.44 0.25
Current ratio 0.37 0.51 0.49
Net debt to EBITDA 0.08 0.98 0.08

Dividend

Metric DGICA PRHI Insurance Property & Casualty median
Dividend yield 4.06% — 1.59%
Payout ratio 0.39 — 0.15

Size

Metric DGICA PRHI Insurance Property & Casualty median
Market cap 731.97m 25.59m 2.62b

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