15.71 USD
-0.48 (-2.96%)
Overall DGICB gets a fundamental rating of 5 out of 10. We evaluated DGICB against 147 industry peers in the Insurance industry. Both the profitability and the financial health of DGICB get a neutral evaluation. Nothing too spectacular is happening here. DGICB may be a bit undervalued, certainly considering the very reasonable score on growth DGICB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year DGICB was profitable.
DGICB had a positive operating cash flow in the past year.
Of the past 5 years DGICB 4 years were profitable.
In the past 5 years DGICB always reported a positive cash flow from operatings.
1.2 Ratios
DGICB has a better Return On Assets (3.56%) than 70.75% of its industry peers.
DGICB has a better Return On Equity (13.73%) than 64.63% of its industry peers.
DGICB has a Return On Invested Capital of 3.77%. This is in the better half of the industry: DGICB outperforms 63.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.56% | ||
| ROE | 13.73% | ||
| ROIC | 3.77% |
ROA(3y)0.76%
ROA(5y)1.17%
ROE(3y)3.28%
ROE(5y)4.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
DGICB has a Profit Margin (8.72%) which is comparable to the rest of the industry.
DGICB's Profit Margin has declined in the last couple of years.
DGICB has a Operating Margin (10.89%) which is in line with its industry peers.
DGICB's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.89% | ||
| PM (TTM) | 8.72% | ||
| GM | N/A |
OM growth 3Y18.73%
OM growth 5Y-2.32%
PM growth 3Y18.37%
PM growth 5Y-2.43%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), DGICB is destroying value.
Compared to 1 year ago, DGICB has more shares outstanding
The number of shares outstanding for DGICB has been increased compared to 5 years ago.
Compared to 1 year ago, DGICB has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of DGICB is 0.40, which is an excellent value as it means it would take DGICB, only 0.40 years of fcf income to pay off all of its debts.
DGICB has a better Debt to FCF ratio (0.40) than 87.07% of its industry peers.
DGICB has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
DGICB has a Debt to Equity ratio of 0.06. This is amongst the best in the industry. DGICB outperforms 80.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.4 | ||
| Altman-Z | N/A |
ROIC/WACC0.45
WACC8.46%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 300.00% over the past year.
Measured over the past 5 years, DGICB shows a small growth in Earnings Per Share. The EPS has been growing by 6.60% on average per year.
Looking at the last year, DGICB shows a small growth in Revenue. The Revenue has grown by 0.89% in the last year.
The Revenue has been growing slightly by 4.03% on average over the past years.
EPS 1Y (TTM)300%
EPS 3Y27.54%
EPS 5Y6.6%
EPS Q2Q%13.04%
Revenue 1Y (TTM)0.89%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%-2.31%
3.2 Future
DGICB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.42% yearly.
Based on estimates for the next years, DGICB will show a small growth in Revenue. The Revenue will grow by 2.86% on average per year.
EPS Next Y53.76%
EPS Next 2Y20.97%
EPS Next 3Y15.42%
EPS Next 5YN/A
Revenue Next Year-0.78%
Revenue Next 2Y1.31%
Revenue Next 3Y2.86%
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 accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.66, which indicates a rather cheap valuation of DGICB.
Based on the Price/Earnings ratio, DGICB is valued a bit cheaper than 78.23% of the companies in the same industry.
When comparing the Price/Earnings ratio of DGICB to the average of the S&P500 Index (26.54), we can say DGICB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.72, the valuation of DGICB can be described as very cheap.
70.75% of the companies in the same industry are more expensive than DGICB, based on the Price/Forward Earnings ratio.
DGICB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.66 | ||
| Fwd PE | 7.72 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, DGICB is valued a bit cheaper than 75.51% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, DGICB is valued a bit cheaper than the industry average as 60.54% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.51 | ||
| EV/EBITDA | 5.3 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
DGICB's earnings are expected to grow with 15.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)1.01
EPS Next 2Y20.97%
EPS Next 3Y15.42%
5. Dividend
5.1 Amount
DGICB has a Yearly Dividend Yield of 3.72%. Purely for dividend investing, there may be better candidates out there.
DGICB's Dividend Yield is a higher than the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 1.96, DGICB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
5.2 History
The dividend of DGICB has a limited annual growth rate of 3.21%.
DGICB has paid a dividend for at least 10 years, which is a reliable track record.
DGICB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.21%
Div Incr Years23
Div Non Decr Years23
5.3 Sustainability
28.85% of the earnings are spent on dividend by DGICB. This is a low number and sustainable payout ratio.
DGICB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP28.85%
EPS Next 2Y20.97%
EPS Next 3Y15.42%
NASDAQ:DGICB (12/12/2025, 8:25:25 PM)
15.71
-0.48 (-2.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners87.3%
Inst Owner Change-0.69%
Ins Owners2.14%
Ins Owner ChangeN/A
Market Cap575.61M
Revenue(TTM)987.83M
Net Income(TTM)86.15M
Analysts84
Price Target18.36 (16.87%)
Short Float %0.01%
Short Ratio1.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
Yearly Dividend0.66
Dividend Growth(5Y)3.21%
DP28.85%
Div Incr Years23
Div Non Decr Years23
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.56%
Min EPS beat(2)-1.01%
Max EPS beat(2)6.14%
EPS beat(4)3
Avg EPS beat(4)53.99%
Min EPS beat(4)-1.01%
Max EPS beat(4)118.44%
EPS beat(8)5
Avg EPS beat(8)49.18%
EPS beat(12)5
Avg EPS beat(12)7.31%
EPS beat(16)6
Avg EPS beat(16)-13.82%
Revenue beat(2)0
Avg Revenue beat(2)-2.58%
Min Revenue beat(2)-2.93%
Max Revenue beat(2)-2.22%
Revenue beat(4)0
Avg Revenue beat(4)-3.22%
Min Revenue beat(4)-4.54%
Max Revenue beat(4)-2.22%
Revenue beat(8)0
Avg Revenue beat(8)-2.13%
Revenue beat(12)1
Avg Revenue beat(12)-1.91%
Revenue beat(16)1
Avg Revenue beat(16)-2.46%
PT rev (1m)4.99%
PT rev (3m)2.83%
EPS NQ rev (1m)-10.31%
EPS NQ rev (3m)14.47%
EPS NY rev (1m)-3.49%
EPS NY rev (3m)12.16%
Revenue NQ rev (1m)-0.95%
Revenue NQ rev (3m)-1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.66 | ||
| Fwd PE | 7.72 | ||
| P/S | 0.58 | ||
| P/FCF | 6.51 | ||
| P/OCF | 6.51 | ||
| P/B | 0.92 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | 5.3 |
EPS(TTM)2.36
EY15.02%
EPS(NY)2.03
Fwd EY12.95%
FCF(TTM)2.41
FCFY15.36%
OCF(TTM)2.41
OCFY15.36%
SpS26.96
BVpS17.12
TBVpS16.94
PEG (NY)0.12
PEG (5Y)1.01
Graham Number30.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.56% | ||
| ROE | 13.73% | ||
| ROCE | 4.46% | ||
| ROIC | 3.77% | ||
| ROICexc | 3.83% | ||
| ROICexgc | 5.13% | ||
| OM | 10.89% | ||
| PM (TTM) | 8.72% | ||
| GM | N/A | ||
| FCFM | 8.95% |
ROA(3y)0.76%
ROA(5y)1.17%
ROE(3y)3.28%
ROE(5y)4.96%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y23.46%
ROICexgc growth 5Y-3.14%
ROICexc growth 3Y24.98%
ROICexc growth 5Y-2.69%
OM growth 3Y18.73%
OM growth 5Y-2.32%
PM growth 3Y18.37%
PM growth 5Y-2.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.41
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.4 | ||
| Debt/EBITDA | 0.31 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 79.65 | ||
| Cash Conversion | 79.51% | ||
| Profit Quality | 102.65% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.46%
ROIC/WACC0.45
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)300%
EPS 3Y27.54%
EPS 5Y6.6%
EPS Q2Q%13.04%
EPS Next Y53.76%
EPS Next 2Y20.97%
EPS Next 3Y15.42%
EPS Next 5YN/A
Revenue 1Y (TTM)0.89%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%-2.31%
Revenue Next Year-0.78%
Revenue Next 2Y1.31%
Revenue Next 3Y2.86%
Revenue Next 5YN/A
EBIT growth 1Y246.78%
EBIT growth 3Y26.58%
EBIT growth 5Y1.62%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y104.71%
FCF growth 3Y-4.2%
FCF growth 5Y-2.44%
OCF growth 1Y104.71%
OCF growth 3Y-4.2%
OCF growth 5Y-2.46%
DONEGAL GROUP INC-B / DGICB FAQ
What is the ChartMill fundamental rating of DONEGAL GROUP INC-B (DGICB) stock?
ChartMill assigns a fundamental rating of 5 / 10 to DGICB.
What is the valuation status for DGICB stock?
ChartMill assigns a valuation rating of 7 / 10 to DONEGAL GROUP INC-B (DGICB). This can be considered as Undervalued.
How profitable is DONEGAL GROUP INC-B (DGICB) stock?
DONEGAL GROUP INC-B (DGICB) has a profitability rating of 4 / 10.
Can you provide the expected EPS growth for DGICB stock?
The Earnings per Share (EPS) of DONEGAL GROUP INC-B (DGICB) is expected to grow by 53.76% in the next year.
Can you provide the dividend sustainability for DGICB stock?
The dividend rating of DONEGAL GROUP INC-B (DGICB) is 8 / 10 and the dividend payout ratio is 28.85%.