DONEGAL GROUP INC-CL A (DGICA)
US2577012014 - Common Stock
Overall DGICA gets a fundamental rating of 4 out of 10. We evaluated DGICA against 141 industry peers in the Insurance industry. DGICA has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, DGICA is valued expensive at the moment. Finally DGICA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
DGICA had positive earnings in the past year.
DGICA had a positive operating cash flow in the past year.
Of the past 5 years DGICA 4 years were profitable.
Each year in the past 5 years DGICA had a positive operating cash flow.
1.2 Ratios
DGICA has a Return On Assets of 0.20%. This is in the lower half of the industry: DGICA underperforms 68.57% of its industry peers.
DGICA has a Return On Equity of 0.92%. This is in the lower half of the industry: DGICA underperforms 68.57% of its industry peers.
DGICA has a worse Return On Invested Capital (0.22%) than 61.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.2% | ||
| ROE | 0.92% | ||
| ROIC | 0.22% |
ROA(3y)0.41%
ROA(5y)1.23%
ROE(3y)1.76%
ROE(5y)5.19%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
DGICA has a Profit Margin of 0.48%. This is in the lower half of the industry: DGICA underperforms 70.71% of its industry peers.
In the last couple of years the Profit Margin of DGICA has declined.
DGICA's Operating Margin of 0.61% is on the low side compared to the rest of the industry. DGICA is outperformed by 75.00% of its industry peers.
DGICA's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 0.61% | ||
| PM (TTM) | 0.48% | ||
| GM | N/A |
OM growth 3Y-58.03%
OM growth 5YN/A
PM growth 3Y-58.73%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so DGICA is destroying value.
DGICA has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, DGICA has more shares outstanding
The debt/assets ratio for DGICA has been reduced compared to a year ago.
2.2 Solvency
DGICA has a debt to FCF ratio of 1.22. This is a very positive value and a sign of high solvency as it would only need 1.22 years to pay back of all of its debts.
DGICA's Debt to FCF ratio of 1.22 is fine compared to the rest of the industry. DGICA outperforms 66.43% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that DGICA is not too dependend on debt financing.
DGICA has a better Debt to Equity ratio (0.07) than 86.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 1.22 | ||
| Altman-Z | N/A |
ROIC/WACC0.03
WACC8.74%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
DGICA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -65.00%.
The earnings per share for DGICA have been decreasing by -65.80% on average. This is quite bad
Looking at the last year, DGICA shows a quite strong growth in Revenue. The Revenue has grown by 9.33% in the last year.
The Revenue has been growing slightly by 3.81% on average over the past years.
EPS 1Y (TTM)-65%
EPS 3Y-65.8%
EPS 5YN/A
EPS growth Q2Q-222.22%
Revenue 1Y (TTM)9.33%
Revenue growth 3Y6.04%
Revenue growth 5Y3.81%
Revenue growth Q2Q7.19%
3.2 Future
The Earnings Per Share is expected to grow by 308.36% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 5.61% on average over the next years.
EPS Next Y1150.71%
EPS Next 2Y308.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.99%
Revenue Next 2Y5.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 190.71, DGICA can be considered very expensive at the moment.
Based on the Price/Earnings ratio, DGICA is valued a bit more expensive than the industry average as 79.29% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of DGICA to the average of the S&P500 Index (25.02), we can say DGICA is valued expensively.
DGICA is valuated correctly with a Price/Forward Earnings ratio of 15.25.
Compared to the rest of the industry, the Price/Forward Earnings ratio of DGICA indicates a slightly more expensive valuation: DGICA is more expensive than 60.71% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of DGICA to the average of the S&P500 Index (21.32), we can say DGICA is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 190.71 | ||
| Fwd PE | 15.25 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, DGICA is valued a bit more expensive than the industry average as 62.14% of the companies are valued more cheaply.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of DGICA is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.6 | ||
| EV/EBITDA | 46.03 |
4.3 Compensation for Growth
DGICA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as DGICA's earnings are expected to grow with 308.36% in the coming years.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y308.36%
EPS Next 3YN/A
5. Dividend
5.1 Amount
DGICA has a Yearly Dividend Yield of 5.13%, which is a nice return.
DGICA's Dividend Yield is rather good when compared to the industry average which is at 4.22. DGICA pays more dividend than 88.57% of the companies in the same industry.
DGICA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
5.2 History
The dividend of DGICA has a limited annual growth rate of 3.59%.
DGICA has paid a dividend for at least 10 years, which is a reliable track record.
DGICA has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.59%
Div Incr Years17
Div Non Decr Years17
5.3 Sustainability
DGICA pays out 494.24% of its income as dividend. This is not a sustainable payout ratio.
DGICA's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP494.24%
EPS Next 2Y308.36%
EPS Next 3YN/A
DONEGAL GROUP INC-CL A
NASDAQ:DGICA (4/29/2024, 3:01:40 PM)
After market: 13.35 0 (0%)13.35
-0.1 (-0.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap445.76M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
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EPS beat(16)
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Revenue beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 190.71 | ||
| Fwd PE | 15.25 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.17
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.2% | ||
| ROE | 0.92% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 0.61% | ||
| PM (TTM) | 0.48% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.41
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-65%
EPS 3Y-65.8%
EPS 5Y
EPS growth Q2Q
EPS Next Y1150.71%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)9.33%
Revenue growth 3Y6.04%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y