DONEGAL GROUP INC-B (DGICB) Fundamental Analysis & Valuation

NASDAQ:DGICB • US2577013004

Current stock price

18.3 USD
-0.55 (-2.92%)
Last:

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

5

1. DGICB Profitability Analysis

1.1 Basic Checks

  • DGICB had positive earnings in the past year.
  • In the past year DGICB had a positive cash flow from operations.
  • Of the past 5 years DGICB 4 years were profitable.
  • Each year in the past 5 years DGICB had a positive operating cash flow.
DGICB Yearly Net Income VS EBIT VS OCF VS FCFDGICB 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

  • DGICB has a better Return On Assets (3.32%) than 61.90% of its industry peers.
  • Looking at the Return On Equity, with a value of 12.39%, DGICB is in line with its industry, outperforming 59.18% of the companies in the same industry.
  • DGICB has a Return On Invested Capital of 3.39%. This is comparable to the rest of the industry: DGICB outperforms 58.50% of its industry peers.
  • DGICB had an Average Return On Invested Capital over the past 3 years of 1.94%. This is significantly below the industry average of 9.51%.
  • The 3 year average ROIC (1.94%) for DGICB is below the current ROIC(3.39%), indicating increased profibility in the last year.
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
DGICB Yearly ROA, ROE, ROICDGICB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 8.11%, DGICB is in line with its industry, outperforming 48.30% of the companies in the same industry.
  • DGICB's Profit Margin has improved in the last couple of years.
  • The Operating Margin of DGICB (10.12%) is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of DGICB has grown nicely.
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
DGICB Yearly Profit, Operating, Gross MarginsDGICB 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. DGICB Health Analysis

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
  • Compared to 5 years ago, DGICB has more shares outstanding
  • Compared to 1 year ago, DGICB has an improved debt to assets ratio.
DGICB Yearly Shares OutstandingDGICB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
DGICB Yearly Total Debt VS Total AssetsDGICB 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

  • DGICB has a debt to FCF ratio of 0.50. This is a very positive value and a sign of high solvency as it would only need 0.50 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 0.50, DGICB is doing good in the industry, outperforming 77.55% of the companies in the same industry.
  • DGICB has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.05, DGICB belongs to the top of the industry, outperforming 80.27% 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
WACC8.62%
DGICB Yearly LT Debt VS Equity VS FCFDGICB 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
DGICB Yearly Current Assets VS Current LiabilitesDGICB 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. DGICB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 56.12% 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 4.40% on average per year.
  • The Revenue has decreased by -1.17% in the past year.
  • DGICB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.69% yearly.
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

  • DGICB is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.16% yearly.
  • DGICB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.03% yearly.
EPS Next Y-0.32%
EPS Next 2Y-0.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.23%
Revenue Next 2Y1.03%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
DGICB Yearly Revenue VS EstimatesDGICB 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
DGICB Yearly EPS VS EstimatesDGICB 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. DGICB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.43 indicates a reasonable valuation of DGICB.
  • Based on the Price/Earnings ratio, DGICB is valued a bit cheaper than the industry average as 67.35% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 27.95. DGICB is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 8.46, the valuation of DGICB can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, DGICB is valued a bit cheaper than the industry average as 68.03% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.68, DGICB is valued rather cheaply.
Industry RankSector Rank
PE 8.43
Fwd PE 8.46
DGICB Price Earnings VS Forward Price EarningsDGICB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 66.67% of the companies in the same industry are more expensive than DGICB, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of DGICB is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 9.65
EV/EBITDA 6.72
DGICB Per share dataDGICB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.92
EPS Next 2Y-0.16%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. DGICB Dividend Analysis

5.1 Amount

  • DGICB has a Yearly Dividend Yield of 4.22%, which is a nice return.
  • DGICB's Dividend Yield is rather good when compared to the industry average which is at 2.37. DGICB pays more dividend than 82.31% of the companies in the same industry.
  • DGICB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 4.22%

5.2 History

  • The dividend of DGICB has a limited annual growth rate of 4.21%.
  • DGICB has paid a dividend for at least 10 years, which is a reliable track record.
  • DGICB 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 Years24
Div Non Decr Years24
DGICB Yearly Dividends per shareDGICB 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

  • DGICB pays out 32.36% of its income as dividend. This is a sustainable payout ratio.
DP32.36%
EPS Next 2Y-0.16%
EPS Next 3YN/A
DGICB Yearly Income VS Free CF VS DividendDGICB 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
DGICB Dividend Payout.DGICB Dividend Payout, showing the Payout Ratio.DGICB Dividend Payout.PayoutRetained Earnings

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DGICB Fundamentals: All Metrics, Ratios and Statistics

DONEGAL GROUP INC-B

NASDAQ:DGICB (4/20/2026, 8:00:01 PM)

18.3

-0.55 (-2.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)04-30
Inst Owners87.07%
Inst Owner Change0%
Ins Owners2.08%
Ins Owner ChangeN/A
Market Cap677.10M
Revenue(TTM)978.01M
Net Income(TTM)79.34M
Analysts82
Price Target20.65 (12.84%)
Short Float %0.03%
Short Ratio1.71
Dividend
Industry RankSector Rank
Dividend Yield 4.22%
Yearly Dividend0.71
Dividend Growth(5Y)4.21%
DP32.36%
Div Incr Years24
Div Non Decr Years24
Ex-Date05-01
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)6.54%
PT rev (3m)9.54%
EPS NQ rev (1m)-39.39%
EPS NQ rev (3m)-34.43%
EPS NY rev (1m)2.44%
EPS NY rev (3m)3.7%
Revenue NQ rev (1m)-0.22%
Revenue NQ rev (3m)-2.22%
Revenue NY rev (1m)-0.65%
Revenue NY rev (3m)-4.54%
Valuation
Industry RankSector Rank
PE 8.43
Fwd PE 8.46
P/S 0.69
P/FCF 9.65
P/OCF 9.65
P/B 1.06
P/tB 1.07
EV/EBITDA 6.72
EPS(TTM)2.17
EY11.86%
EPS(NY)2.16
Fwd EY11.82%
FCF(TTM)1.9
FCFY10.37%
OCF(TTM)1.9
OCFY10.37%
SpS26.43
BVpS17.31
TBVpS17.13
PEG (NY)N/A
PEG (5Y)1.92
Graham Number29.0705 (58.86%)
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
WACC8.62%
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-0.32%
EPS Next 2Y-0.16%
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-1.23%
Revenue Next 2Y1.03%
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-B / DGICB Fundamental Analysis FAQ

What is the ChartMill fundamental rating of DONEGAL GROUP INC-B (DGICB) stock?

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


Can you provide the valuation status for DONEGAL GROUP INC-B?

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


Can you provide the profitability details for DONEGAL GROUP INC-B?

DONEGAL GROUP INC-B (DGICB) has a profitability rating of 5 / 10.


Can you provide the financial health for DGICB stock?

The financial health rating of DONEGAL GROUP INC-B (DGICB) is 3 / 10.


What is the earnings growth outlook for DONEGAL GROUP INC-B?

The Earnings per Share (EPS) of DONEGAL GROUP INC-B (DGICB) is expected to decline by -0.32% in the next year.