Donegal Group, Inc. (DGICB) 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 $446.3M against $28.9M — 15.4× the size. Presurance Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Donegal Group, Inc. trades at 10.2×. 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 19 metrics below, Donegal Group, Inc. leads on 17 and Presurance Holdings, Inc. on 2.

Valuation

Metric DGICB PRHI Insurance Property & Casualty median
P/E 10.22 n/m 10.29
P/S 0.70 0.87 1.17
P/B 1.01 1.01 1.83
Price to free cash flow 11.55 n/m 7.48
EV/EBITDA 7.49 n/m 7.49
EV/Sales 0.71 0.86 1.13
Earnings yield 9.78% (137.51%) 9.50%
Free cash flow yield 8.66% (165.16%) 13.29%

Profitability

Metric DGICB 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%) 17.59%
Return on equity 11.18% (56.67%) 18.19%
Return on assets 2.91% (6.27%) 3.74%
Return on invested capital 8.21% (36.11%) 12.06%

Growth

Metric DGICB PRHI Insurance Property & Casualty median
Revenue growth (TTM) (3.14%) (49.03%) 8.69%
EPS growth (last fiscal year) 45.65% (178.24%) —
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 DGICB 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 DGICB PRHI Insurance Property & Casualty median
Dividend yield 4.42% — 2.79%
Payout ratio 5.75 0.00 0.27

Size

Metric DGICB PRHI Insurance Property & Casualty median
Market cap 446.25m 28.92m 2.44b

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