Donegal Group Inc. DGICB

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Price alert · DGICB

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24.99 USD -0.91 -3.51%

At close · Oct 30

24.99 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
22.32 × 1
Ask
23.85 × 1
24.99 Day range 24.99
15.10 52-week range 26.70
YTD
+41.27%
1 year
+61.23%
Open
24.99
Prev close
25.90
Mkt cap
927.61M
Vol
872
Avg vol
2.86K
EPS
1.92
P/E
13.02
Div yield
4.22%
More statistics
Low
24.99
High
24.99
Forward P/E
0.00
Beta
-0.08
Short ratio
7.26
Inst. own
6.84%
Dividend
0.62
Ex-div date
Feb 3, 2025
50-d avg
14.23
200-d avg
12.97
1y target
0.00

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Financial health

Altman Z-Score

0.96 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 5
  • Debt / Equity 1
  • P/E 3
  • P/B 4

Valuation

P/E 9.0×
FY 2016: 15.1×FY 2017: 66.5×FY 2018: -11.8×FY 2019: 8.8×FY 2020: 7.8×FY 2021: 17.4×FY 2022: -232×FY 2023: 99.9×FY 2024: 10.0×FY 2025: 9.0×
FY 2016 5y median 10.0× FY 2025
P/S 0.6×
FY 2016: 0.7×FY 2017: 0.6×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.5× FY 2025
P/B 1.0×
FY 2016: 1.1×FY 2017: 1.1×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 0.8×FY 2022: 0.9×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 0.9× FY 2025
P/FCF 8.8×
FY 2016: 7.8×FY 2017: 5.9×FY 2018: 6.1×FY 2019: 5.6×FY 2020: 4.1×FY 2021: 5.8×FY 2022: 6.8×FY 2023: 16.2×FY 2024: 7.6×FY 2025: 8.8×
FY 2016 5y median 7.6× FY 2025
EV/EBITDA 6.1×
FY 2016: 10.3×FY 2017: 25.2×FY 2018: -10.1×FY 2019: 6.4×FY 2020: 5.6×FY 2021: 11.3×FY 2022: 254×FY 2023: 47.3×FY 2024: 7.3×FY 2025: 6.1×
FY 2016 5y median 11.3× FY 2025
EV/Sales 0.6×
FY 2016: 0.7×FY 2017: 0.7×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.5× FY 2025
FCF Yield 11.4%
FY 2016: 12.9%FY 2017: 16.9%FY 2018: 16.5%FY 2019: 18.0%FY 2020: 24.5%FY 2021: 17.3%FY 2022: 14.8%FY 2023: 6.2%FY 2024: 13.2%FY 2025: 11.4%
FY 2016 5y median 13.2% FY 2025

Profitability

Gross Margin 26.7%
FY 2016: 22.7%FY 2017: 18.3%FY 2018: 9.3%FY 2019: 22.6%FY 2020: 25.6%FY 2021: 20.5%FY 2022: 16.7%FY 2023: 17.7%FY 2024: 22.8%FY 2025: 26.7%
FY 2016 5y median 20.5% FY 2025
Operating Margin 10.0%
FY 2016: 6.0%FY 2017: 1.6%FY 2018: -6.3%FY 2019: 7.0%FY 2020: 8.1%FY 2021: 3.7%FY 2022: -0.4%FY 2023: 0.5%FY 2024: 6.3%FY 2025: 10.0%
FY 2016 5y median 3.7% FY 2025
Net Margin 8.1%
FY 2016: 4.5%FY 2017: 1.0%FY 2018: -4.3%FY 2019: 5.8%FY 2020: 6.8%FY 2021: 3.1%FY 2022: -0.2%FY 2023: 0.5%FY 2024: 5.1%FY 2025: 8.1%
FY 2016 5y median 3.1% FY 2025
ROE 12.4%
FY 2016: 7.0%FY 2017: 1.6%FY 2018: -8.2%FY 2019: 10.5%FY 2020: 10.2%FY 2021: 4.8%FY 2022: -0.4%FY 2023: 0.9%FY 2024: 9.3%FY 2025: 12.4%
FY 2016 5y median 4.8% FY 2025
ROIC 11.6%
FY 2016: 0.1%FY 2017: 0.0%FY 2018: -1.6%FY 2019: -0.1%FY 2020: 62.1%FY 2021: 4.3%FY 2022: -0.4%FY 2023: 0.8%FY 2024: 8.6%FY 2025: 11.6%
FY 2016 5y median 4.3% FY 2025
ROA 3.3%
FY 2016: 1.9%FY 2017: 0.4%FY 2018: -1.8%FY 2019: 2.5%FY 2020: 2.4%FY 2021: 1.1%FY 2022: -0.1%FY 2023: 0.2%FY 2024: 2.2%FY 2025: 3.3%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue -1.2%
FY 2016: 8.2%FY 2017: 7.3%FY 2018: 4.3%FY 2019: 5.6%FY 2020: -4.2%FY 2021: 5.0%FY 2022: 3.9%FY 2023: 9.3%FY 2024: 6.7%FY 2025: -1.2%
FY 2016 FY 2025
Operating Income 56.6%
FY 2016: 49.8%FY 2017: -70.7%FY 2018: -498.2%FY 2019: 218.3%FY 2020: 10.8%FY 2021: -52.1%FY 2022: -112.0%FY 2023: 239.2%FY 2024: 1131.1%FY 2025: 56.6%
FY 2016 FY 2025
EPS (diluted) 42.5%
FY 2016: 18.7%FY 2017: -78.1%FY 2018: -564.0%FY 2019: 241.4%FY 2020: 11.6%FY 2021: -55.7%FY 2022: -107.6%FY 2023: 328.4%FY 2024: 992.9%FY 2025: 42.5%
FY 2016 FY 2025
Free Cash Flow 4.1%
FY 2016: -10.0%FY 2017: 34.0%FY 2018: -20.3%FY 2019: 19.7%FY 2020: 32.6%FY 2021: -24.1%FY 2022: -12.5%FY 2023: -57.4%FY 2024: 136.0%FY 2025: 4.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.7×
FY 2016: 1.0×FY 2017: 1.3×FY 2018: 17.2×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.8×FY 2022: 0.8×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025
Quick Ratio 0.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 21.4×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.8×FY 2022: 0.8×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025
Debt / Equity 0.1×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA 0.1×
FY 2016: 1.0×FY 2017: 1.3×FY 2018: -0.3×FY 2019: -0.1×FY 2020: -0.2×FY 2021: -0.6×FY 2022: 5.4×FY 2023: 1.1×FY 2024: -0.3×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Interest Coverage 72.3×
FY 2016: 24.9×FY 2017: 7.6×FY 2018: -21.0×FY 2019: 36.1×FY 2020: 52.9×FY 2021: 33.9×FY 2022: -5.9×FY 2023: 8.2×FY 2024: 65.9×FY 2025: 72.3×
FY 2016 5y median 33.9× FY 2025

Dividends

Dividend Yield 4.2%
FY 2016: 3.0%FY 2017: 3.1%FY 2018: 4.1%FY 2019: 3.8%FY 2020: 4.1%FY 2021: 4.3%FY 2022: 4.5%FY 2023: 4.7%FY 2024: 4.4%FY 2025: 4.2%
FY 2016 5y median 4.4% FY 2025
Payout Ratio 32.4%
FY 2016: 45.7%FY 2017: 208.3%FY 2018: -47.8%FY 2019: 34.1%FY 2020: 32.1%FY 2021: 75.6%FY 2022: -1046.4%FY 2023: 494.7%FY 2024: 44.6%FY 2025: 32.4%
FY 2016 5y median 44.6% FY 2025

Annual · latest fiscal year ends 2025-12-31