15.71 USD
-0.48 (-2.96%)
DGICB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. DGICB has only an average score on both its financial health and profitability. DGICB scores decently on growth, while it is valued quite cheap. This could make an interesting combination. DGICB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
DGICB had positive earnings in the past year.
DGICB had a positive operating cash flow in the past year.
DGICB had positive earnings in 4 of the past 5 years.
In the past 5 years DGICB always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 3.56%, DGICB is in the better half of the industry, outperforming 70.75% of the companies in the same industry.
DGICB's Return On Equity of 13.73% is fine compared to the rest of the industry. DGICB outperforms 64.63% of its industry peers.
The Return On Invested Capital of DGICB (3.77%) is better than 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 of 8.72%. This is comparable to the rest of the industry: DGICB outperforms 54.42% of its industry peers.
DGICB's Profit Margin has declined in the last couple of years.
DGICB has a Operating Margin of 10.89%. This is comparable to the rest of the industry: DGICB outperforms 44.22% of its industry peers.
In the last couple of years the Operating Margin of DGICB has declined.
| 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
DGICB 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, DGICB has more shares outstanding
Compared to 5 years ago, DGICB has more shares outstanding
Compared to 1 year ago, DGICB has an improved debt to assets ratio.
2.2 Solvency
DGICB has a debt to FCF ratio of 0.40. This is a very positive value and a sign of high solvency as it would only need 0.40 years to pay back of all of its debts.
DGICB has a Debt to FCF ratio of 0.40. This is amongst the best in the industry. DGICB outperforms 87.76% 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.
DGICB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.60% yearly.
The Revenue has been growing slightly by 0.89% in the past year.
DGICB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.03% yearly.
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.
The Revenue is expected to grow by 2.86% on average over the next years.
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
A Price/Earnings ratio of 6.66 indicates a rather cheap valuation of DGICB.
Based on the Price/Earnings ratio, DGICB is valued cheaply inside the industry as 81.63% of the companies are valued more expensively.
DGICB is valuated cheaply when we compare the Price/Earnings ratio to 26.56, which is the current average of the S&P500 Index.
DGICB is valuated cheaply with a Price/Forward Earnings ratio of 7.72.
74.83% of the companies in the same industry are more expensive than DGICB, based on the Price/Forward Earnings ratio.
DGICB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.66 | ||
| Fwd PE | 7.72 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of DGICB indicates a somewhat cheap valuation: DGICB is cheaper than 76.19% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, DGICB is valued a bit cheaper than the industry average as 62.59% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.51 | ||
| EV/EBITDA | 5.14 |
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.
A more expensive valuation may be justified as DGICB's earnings are expected to grow with 15.42% in the coming years.
PEG (NY)0.12
PEG (5Y)1.01
EPS Next 2Y20.97%
EPS Next 3Y15.42%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.61%, DGICB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.64, DGICB pays a bit more dividend than its industry peers.
DGICB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.61% |
5.2 History
The dividend of DGICB has a limited annual growth rate of 3.21%.
DGICB has been paying a dividend for at least 10 years, so it has 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
DGICB pays out 28.85% of its income as dividend. This is a 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 | 3.61% |
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)-10.31%
EPS NY rev (1m)-3.49%
EPS NY rev (3m)12.16%
Revenue NQ rev (1m)-0.95%
Revenue NQ rev (3m)-0.95%
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 | 5.14 |
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%.