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Donegal Group, Inc. (DGICA) vs Root, Inc. (ROOT)

Donegal Group, Inc. and Root, Inc. are both Insurance Property & Casualty companies. Donegal Group, Inc. and Root, Inc. are of similar size ($732.0M and $716.7M). Root, Inc. trades at the lower P/E: 9.2× against 9.7×. Root, Inc. grew revenue faster over the last twelve months: 7.89% against −3.40%. Donegal Group, Inc. has the higher net margin (7.25% vs 4.96%) and the higher return on invested capital (8.10% vs 0.00%). Across the 20 metrics below, Root, Inc. leads on 13 and Donegal Group, Inc. on 7.

Valuation

Metric DGICA ROOT Insurance Property & Casualty median
P/E 9.65 9.21 12.17
P/S 0.73 0.45 1.26
P/B 1.06 2.15 1.85
Price to free cash flow 13.76 4.18 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.36% 10.86% 8.20%
Free cash flow yield 7.27% 23.92% 11.86%

Profitability

Metric DGICA ROOT Insurance Property & Casualty median
Gross margin 0.00% 39.44% 37.39%
Operating margin 9.01% 6.68% 14.67%
Net margin 7.25% 4.96% 10.16%
Free cash flow margin 5.34% 10.86% 18.60%
Return on equity 10.73% 26.15% 16.59%
Return on assets 2.83% 4.67% 3.38%
Return on invested capital 8.10% 0.00% 9.43%

Growth

Metric DGICA ROOT Insurance Property & Casualty median
Revenue growth (TTM) (3.40%) 7.89% 5.70%
EPS growth (last fiscal year) 42.48% 28.96% 39.61%
Revenue growth, 5-year CAGR 4.69% 34.33% 9.23%
Net income growth, 5-year CAGR 8.48% 0.00% 10.09%

Health

Metric DGICA ROOT Insurance Property & Casualty median
Debt to equity 0.05 0.45 0.25
Current ratio 0.37 1.01 0.49
Net debt to EBITDA 0.08 (6.65) 0.08

Dividend

Metric DGICA ROOT Insurance Property & Casualty median
Dividend yield 4.02% — 1.56%
Payout ratio 0.39 — 0.15

Size

Metric DGICA ROOT Insurance Property & Casualty median
Market cap 731.97m 716.74m 2.64b

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