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 $691.1M against $30.5M — 22.7× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Donegal Group, Inc. trades at 9.5×. Donegal Group, Inc. grew revenue faster over the last twelve months: −3.14% against −49.0%. Donegal Group, Inc. has the higher net margin (7.38% vs −49.6%) and the higher return on invested capital (8.21% vs −36.1%). Across the 18 metrics below, Donegal Group, Inc. leads on 17 and Presurance Holdings, Inc. on 1.

Valuation

Metric DGICA PRHI Insurance Property & Casualty median
P/E 9.53 n/m 10.75
P/S 0.72 0.93 1.21
P/B 1.04 1.07 1.99
Price to free cash flow 11.85 n/m 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.49% (129.51%) 9.08%
Free cash flow yield 8.44% (155.55%) 12.11%

Profitability

Metric DGICA PRHI Insurance Property & Casualty median
Gross margin 24.57% (8.27%) 41.16%
Operating margin 9.25% (35.38%) 15.09%
Net margin 7.38% (49.57%) 11.51%
Free cash flow margin 6.06% (143.99%) 17.46%
Return on equity 11.18% (56.67%) 17.34%
Return on assets 2.91% (6.27%) 3.74%
Return on invested capital 8.21% (36.11%) 12.06%

Growth

Metric DGICA PRHI Insurance Property & Casualty median
Revenue growth (TTM) (3.14%) (49.03%) 8.02%
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 0.42
Net debt to EBITDA 0.08 0.98 0.08

Dividend

Metric DGICA PRHI Insurance Property & Casualty median
Dividend yield 4.01% — 1.50%
Payout ratio 0.39 — 0.14

Size

Metric DGICA PRHI Insurance Property & Casualty median
Market cap 691.06m 30.49m 2.67b

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