Donegal Group, Inc. (DGICB) 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 $446.3M against $366.5M — 1.2× the size. Donegal Group, Inc. trades at the lower P/E: 10.2× against 10.5×. Global Indemnity PLC grew revenue faster over the last twelve months: 3.83% against −3.14%. Global Indemnity PLC has the higher net margin (7.42% vs 7.38%) and the lower return on invested capital (4.29% vs 8.21%). Both pay a dividend; Donegal Group, Inc. yields more (4.42% vs 3.36%). Across the 22 metrics below, Donegal Group, Inc. leads on 15 and Global Indemnity PLC on 7.

Valuation

Metric DGICB GBLI Insurance Property & Casualty median
P/E 10.22 10.53 10.29
P/S 0.70 0.78 1.17
P/B 1.01 0.51 1.83
Price to free cash flow 11.55 n/m 7.48
EV/EBITDA 7.49 6.31 7.49
EV/Sales 0.71 0.67 1.13
Earnings yield 9.78% 9.50% 9.50%
Free cash flow yield 8.66% (9.52%) 13.29%

Profitability

Metric DGICB GBLI Insurance Property & Casualty median
Gross margin 24.57% 16.61% 41.16%
Operating margin 9.25% 9.91% 15.09%
Net margin 7.38% 7.42% 11.51%
Free cash flow margin 6.06% (7.46%) 17.59%
Return on equity 11.18% 4.84% 18.19%
Return on assets 2.91% 1.97% 3.74%
Return on invested capital 8.21% 4.29% 12.06%

Growth

Metric DGICB GBLI Insurance Property & Casualty median
Revenue growth (TTM) (3.14%) 3.83% 8.69%
EPS growth (last fiscal year) 45.65% (43.91%) —
Revenue growth, 5-year CAGR 4.69% (7.87%) 9.23%
Net income growth, 5-year CAGR 8.48% (2.95%) 10.09%

Health

Metric DGICB GBLI Insurance Property & Casualty median
Debt to equity 0.05 0.06 0.25
Current ratio 0.37 0.26 0.42
Net debt to EBITDA 0.08 (0.87) 0.08

Dividend

Metric DGICB GBLI Insurance Property & Casualty median
Dividend yield 4.42% 3.36% 2.79%
Payout ratio 5.75 0.38 0.27

Size

Metric DGICB GBLI Insurance Property & Casualty median
Market cap 446.25m 366.45m 2.44b

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