DONEGAL GROUP INC-CL A (DGICA) Fundamental Analysis & Valuation

NASDAQ:DGICA • US2577012014

Current stock price

17.25 USD
+0.04 (+0.23%)
At close:
17.25 USD
0 (0%)
After Hours:

This DGICA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. DGICA Profitability Analysis

1.1 Basic Checks

  • DGICA had positive earnings in the past year.
  • In the past year DGICA had a positive cash flow from operations.
  • DGICA had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years DGICA had a positive operating cash flow.
DGICA Yearly Net Income VS EBIT VS OCF VS FCFDGICA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

1.2 Ratios

  • DGICA has a Return On Assets of 3.32%. This is in the better half of the industry: DGICA outperforms 64.86% of its industry peers.
  • DGICA has a better Return On Equity (12.39%) than 60.81% of its industry peers.
  • DGICA has a Return On Invested Capital (3.39%) which is in line with its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for DGICA is significantly below the industry average of 9.34%.
  • The last Return On Invested Capital (3.39%) for DGICA is above the 3 year average (1.94%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 3.32%
ROE 12.39%
ROIC 3.39%
ROA(3y)1.9%
ROA(5y)1.35%
ROE(3y)7.54%
ROE(5y)5.4%
ROIC(3y)1.94%
ROIC(5y)N/A
DGICA Yearly ROA, ROE, ROICDGICA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • DGICA has a Profit Margin (8.11%) which is in line with its industry peers.
  • DGICA's Profit Margin has improved in the last couple of years.
  • DGICA has a Operating Margin (10.12%) which is comparable to the rest of the industry.
  • DGICA's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 10.12%
PM (TTM) 8.11%
GM N/A
OM growth 3YN/A
OM growth 5Y4.06%
PM growth 3YN/A
PM growth 5Y3.63%
GM growth 3YN/A
GM growth 5YN/A
DGICA Yearly Profit, Operating, Gross MarginsDGICA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

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3

2. DGICA Health Analysis

2.1 Basic Checks

  • DGICA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, DGICA has more shares outstanding
  • The number of shares outstanding for DGICA has been increased compared to 5 years ago.
  • DGICA has a better debt/assets ratio than last year.
DGICA Yearly Shares OutstandingDGICA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
DGICA Yearly Total Debt VS Total AssetsDGICA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • The Debt to FCF ratio of DGICA is 0.50, which is an excellent value as it means it would take DGICA, only 0.50 years of fcf income to pay off all of its debts.
  • DGICA has a Debt to FCF ratio of 0.50. This is in the better half of the industry: DGICA outperforms 77.70% of its industry peers.
  • DGICA has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.05, DGICA belongs to the best of the industry, outperforming 80.41% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.5
Altman-Z N/A
ROIC/WACC0.39
WACC8.68%
DGICA Yearly LT Debt VS Equity VS FCFDGICA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
DGICA Yearly Current Assets VS Current LiabilitesDGICA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

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3

3. DGICA Growth Analysis

3.1 Past

  • DGICA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 56.12%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 4.40% on average over the past years.
  • The Revenue has decreased by -1.17% in the past year.
  • Measured over the past years, DGICA shows a small growth in Revenue. The Revenue has been growing by 4.69% on average per year.
EPS 1Y (TTM)56.12%
EPS 3Y121.38%
EPS 5Y4.4%
EPS Q2Q%-27.54%
Revenue 1Y (TTM)-1.17%
Revenue growth 3Y4.86%
Revenue growth 5Y4.69%
Sales Q2Q%-3.93%

3.2 Future

  • Based on estimates for the next years, DGICA will show a decrease in Earnings Per Share. The EPS will decrease by -3.79% on average per year.
  • Based on estimates for the next years, DGICA will show a small growth in Revenue. The Revenue will grow by 1.81% on average per year.
EPS Next Y-2.7%
EPS Next 2Y-3.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.59%
Revenue Next 2Y1.81%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
DGICA Yearly Revenue VS EstimatesDGICA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
DGICA Yearly EPS VS EstimatesDGICA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 2

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5

4. DGICA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 7.95, which indicates a rather cheap valuation of DGICA.
  • Based on the Price/Earnings ratio, DGICA is valued a bit cheaper than 68.24% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.50, DGICA is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.17, the valuation of DGICA can be described as reasonable.
  • 66.22% of the companies in the same industry are more expensive than DGICA, based on the Price/Forward Earnings ratio.
  • DGICA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.67.
Industry RankSector Rank
PE 7.95
Fwd PE 8.17
DGICA Price Earnings VS Forward Price EarningsDGICA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of DGICA indicates a somewhat cheap valuation: DGICA is cheaper than 65.54% of the companies listed in the same industry.
  • DGICA's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 9.09
EV/EBITDA 6.34
DGICA Per share dataDGICA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • A cheap valuation may be justified as DGICA's earnings are expected to decrease with -3.79% in the coming years.
PEG (NY)N/A
PEG (5Y)1.81
EPS Next 2Y-3.79%
EPS Next 3YN/A

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8

5. DGICA Dividend Analysis

5.1 Amount

  • DGICA has a Yearly Dividend Yield of 4.32%, which is a nice return.
  • DGICA's Dividend Yield is a higher than the industry average which is at 2.84.
  • Compared to an average S&P500 Dividend Yield of 1.89, DGICA pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.32%

5.2 History

  • The dividend of DGICA has a limited annual growth rate of 4.21%.
  • DGICA has been paying a dividend for at least 10 years, so it has a reliable track record.
  • DGICA has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.21%
Div Incr Years23
Div Non Decr Years23
DGICA Yearly Dividends per shareDGICA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • DGICA pays out 32.36% of its income as dividend. This is a sustainable payout ratio.
DP32.36%
EPS Next 2Y-3.79%
EPS Next 3YN/A
DGICA Yearly Income VS Free CF VS DividendDGICA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M 60M 80M 100M
DGICA Dividend Payout.DGICA Dividend Payout, showing the Payout Ratio.DGICA Dividend Payout.PayoutRetained Earnings

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DGICA Fundamentals: All Metrics, Ratios and Statistics

DONEGAL GROUP INC-CL A

NASDAQ:DGICA (3/24/2026, 8:25:15 PM)

After market: 17.25 0 (0%)

17.25

+0.04 (+0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)04-22
Inst Owners88.2%
Inst Owner Change1.82%
Ins Owners2.18%
Ins Owner Change6.37%
Market Cap638.25M
Revenue(TTM)978.01M
Net Income(TTM)79.34M
Analysts82
Price Target21.17 (22.72%)
Short Float %1.64%
Short Ratio4.19
Dividend
Industry RankSector Rank
Dividend Yield 4.32%
Yearly Dividend0.71
Dividend Growth(5Y)4.21%
DP32.36%
Div Incr Years23
Div Non Decr Years23
Ex-Date02-03
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.71%
Min EPS beat(2)-8.41%
Max EPS beat(2)-1.01%
EPS beat(4)2
Avg EPS beat(4)22.28%
Min EPS beat(4)-8.41%
Max EPS beat(4)92.4%
EPS beat(8)5
Avg EPS beat(8)67.54%
EPS beat(12)5
Avg EPS beat(12)12.03%
EPS beat(16)6
Avg EPS beat(16)-10.42%
Revenue beat(2)0
Avg Revenue beat(2)-2.84%
Min Revenue beat(2)-3.46%
Max Revenue beat(2)-2.22%
Revenue beat(4)0
Avg Revenue beat(4)-3.29%
Min Revenue beat(4)-4.54%
Max Revenue beat(4)-2.22%
Revenue beat(8)0
Avg Revenue beat(8)-2.48%
Revenue beat(12)0
Avg Revenue beat(12)-2.22%
Revenue beat(16)1
Avg Revenue beat(16)-2.55%
PT rev (1m)-1.19%
PT rev (3m)-1.19%
EPS NQ rev (1m)8.2%
EPS NQ rev (3m)10%
EPS NY rev (1m)-2.38%
EPS NY rev (3m)3.8%
Revenue NQ rev (1m)-2.01%
Revenue NQ rev (3m)-2.01%
Revenue NY rev (1m)-3.45%
Revenue NY rev (3m)-3.92%
Valuation
Industry RankSector Rank
PE 7.95
Fwd PE 8.17
P/S 0.65
P/FCF 9.09
P/OCF 9.09
P/B 1
P/tB 1.01
EV/EBITDA 6.34
EPS(TTM)2.17
EY12.58%
EPS(NY)2.11
Fwd EY12.24%
FCF(TTM)1.9
FCFY11%
OCF(TTM)1.9
OCFY11%
SpS26.43
BVpS17.31
TBVpS17.13
PEG (NY)N/A
PEG (5Y)1.81
Graham Number29.07
Profitability
Industry RankSector Rank
ROA 3.32%
ROE 12.39%
ROCE 4.16%
ROIC 3.39%
ROICexc 3.43%
ROICexgc 4.57%
OM 10.12%
PM (TTM) 8.11%
GM N/A
FCFM 7.18%
ROA(3y)1.9%
ROA(5y)1.35%
ROE(3y)7.54%
ROE(5y)5.4%
ROIC(3y)1.94%
ROIC(5y)N/A
ROICexc(3y)1.97%
ROICexc(5y)N/A
ROICexgc(3y)2.65%
ROICexgc(5y)N/A
ROCE(3y)2.38%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y4.3%
ROICexc growth 3YN/A
ROICexc growth 5Y5.61%
OM growth 3YN/A
OM growth 5Y4.06%
PM growth 3YN/A
PM growth 5Y3.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.41
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.5
Debt/EBITDA 0.34
Cap/Depr 0.01%
Cap/Sales 0%
Interest Coverage 73.26
Cash Conversion 68.81%
Profit Quality 88.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.68%
ROIC/WACC0.39
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)288.95%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)56.12%
EPS 3Y121.38%
EPS 5Y4.4%
EPS Q2Q%-27.54%
EPS Next Y-2.7%
EPS Next 2Y-3.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.17%
Revenue growth 3Y4.86%
Revenue growth 5Y4.69%
Sales Q2Q%-3.93%
Revenue Next Year-0.59%
Revenue Next 2Y1.81%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y56.35%
EBIT growth 3YN/A
EBIT growth 5Y8.93%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y4.09%
FCF growth 3Y1.52%
FCF growth 5Y-7.02%
OCF growth 1Y4.09%
OCF growth 3Y1.52%
OCF growth 5Y-7.04%

DONEGAL GROUP INC-CL A / DGICA Fundamental Analysis FAQ

What is the fundamental rating for DGICA stock?

ChartMill assigns a fundamental rating of 4 / 10 to DGICA.


What is the valuation status for DGICA stock?

ChartMill assigns a valuation rating of 5 / 10 to DONEGAL GROUP INC-CL A (DGICA). This can be considered as Fairly Valued.


What is the profitability of DGICA stock?

DONEGAL GROUP INC-CL A (DGICA) has a profitability rating of 5 / 10.


What is the valuation of DONEGAL GROUP INC-CL A based on its PE and PB ratios?

The Price/Earnings (PE) ratio for DONEGAL GROUP INC-CL A (DGICA) is 7.95 and the Price/Book (PB) ratio is 1.


Can you provide the dividend sustainability for DGICA stock?

The dividend rating of DONEGAL GROUP INC-CL A (DGICA) is 8 / 10 and the dividend payout ratio is 32.36%.