DONEGAL GROUP INC-B (DGICB) Stock Fundamental Analysis
USA - NASDAQ:DGICB - US2577013004 - Common Stock
15.5 USD
0 (0%)
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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination. Finally DGICB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year DGICB was profitable.
In the past year DGICB had a positive cash flow from operations.
DGICB had positive earnings in 4 of the past 5 years.
Each year in the past 5 years DGICB had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 3.44%, DGICB is doing good in the industry, outperforming 70.07% of the companies in the same industry.
DGICB has a better Return On Equity (13.67%) than 68.03% of its industry peers.
DGICB's Return On Invested Capital of 3.62% is fine compared to the rest of the industry. DGICB outperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.44% | ||
| ROE | 13.67% | ||
| ROIC | 3.62% |
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 (8.34%) which is in line with its industry peers.
DGICB's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 10.36%, DGICB is in line with its industry, outperforming 46.26% of the companies in the same industry.
DGICB's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.36% | ||
| PM (TTM) | 8.34% | ||
| 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.
The number of shares outstanding for DGICB has been increased compared to 1 year ago.
DGICB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, DGICB has an improved debt to assets ratio.
2.2 Solvency
DGICB has a debt to FCF ratio of 0.44. This is a very positive value and a sign of high solvency as it would only need 0.44 years to pay back of all of its debts.
The Debt to FCF ratio of DGICB (0.44) is better than 82.99% 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.
With an excellent Debt to Equity ratio value of 0.06, DGICB belongs to the best of the industry, outperforming 80.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACC0.44
WACC8.26%
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 1542.86% over the past year.
The Earnings Per Share has been growing slightly by 6.60% on average over the past years.
Looking at the last year, DGICB shows a small growth in Revenue. The Revenue has grown by 3.37% in the last year.
The Revenue has been growing slightly by 4.03% on average over the past years.
EPS 1Y (TTM)1542.86%
EPS 3Y27.54%
EPS 5Y6.6%
EPS Q2Q%290.91%
Revenue 1Y (TTM)3.37%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%0.15%
3.2 Future
Based on estimates for the next years, DGICB will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.42% on average per year.
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 Y57.46%
EPS Next 2Y21.74%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 6.74 indicates a rather cheap valuation of DGICB.
78.23% of the companies in the same industry are more expensive than DGICB, based on the Price/Earnings ratio.
DGICB is valuated cheaply when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 7.52, the valuation of DGICB can be described as very cheap.
72.79% 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 22.63.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.74 | ||
| Fwd PE | 7.52 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, DGICB is valued a bit cheaper than the industry average as 78.23% of the companies are valued more expensively.
DGICB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. DGICB is cheaper than 63.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.18 | ||
| EV/EBITDA | 5.08 |
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)1.02
EPS Next 2Y21.74%
EPS Next 3Y15.42%
5. Dividend
5.1 Amount
DGICB has a Yearly Dividend Yield of 3.78%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.26, DGICB pays a better dividend. On top of this DGICB pays more dividend than 80.95% of the companies listed in the same industry.
DGICB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.78% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.21%
Div Incr Years23
Div Non Decr Years23
5.3 Sustainability
DGICB pays out 28.95% 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.
DP28.95%
EPS Next 2Y21.74%
EPS Next 3Y15.42%
NASDAQ:DGICB (10/29/2025, 8:24:03 PM)
15.5
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners86.57%
Inst Owner Change0%
Ins Owners1.92%
Ins Owner ChangeN/A
Market Cap565.90M
Revenue(TTM)993.64M
Net Income(TTM)82.83M
Analysts84
Price Target17.86 (15.23%)
Short Float %0.01%
Short Ratio1.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.78% |
Yearly Dividend0.66
Dividend Growth(5Y)3.21%
DP28.95%
Div Incr Years23
Div Non Decr Years23
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)49.27%
Min EPS beat(2)6.14%
Max EPS beat(2)92.4%
EPS beat(4)4
Avg EPS beat(4)137.3%
Min EPS beat(4)6.14%
Max EPS beat(4)332.21%
EPS beat(8)5
Avg EPS beat(8)38.32%
EPS beat(12)5
Avg EPS beat(12)-11.1%
EPS beat(16)6
Avg EPS beat(16)-24.46%
Revenue beat(2)0
Avg Revenue beat(2)-3.74%
Min Revenue beat(2)-4.54%
Max Revenue beat(2)-2.93%
Revenue beat(4)0
Avg Revenue beat(4)-3.03%
Min Revenue beat(4)-4.54%
Max Revenue beat(4)-1.46%
Revenue beat(8)0
Avg Revenue beat(8)-2%
Revenue beat(12)1
Avg Revenue beat(12)-2.01%
Revenue beat(16)1
Avg Revenue beat(16)-2.54%
PT rev (1m)0%
PT rev (3m)11.7%
EPS NQ rev (1m)41.67%
EPS NQ rev (3m)50%
EPS NY rev (1m)7.59%
EPS NY rev (3m)12.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.74 | ||
| Fwd PE | 7.52 | ||
| P/S | 0.57 | ||
| P/FCF | 7.18 | ||
| P/OCF | 7.18 | ||
| P/B | 0.93 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | 5.08 |
EPS(TTM)2.3
EY14.84%
EPS(NY)2.06
Fwd EY13.29%
FCF(TTM)2.16
FCFY13.93%
OCF(TTM)2.16
OCFY13.93%
SpS27.22
BVpS16.59
TBVpS16.41
PEG (NY)0.12
PEG (5Y)1.02
Graham Number29.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.44% | ||
| ROE | 13.67% | ||
| ROCE | 4.28% | ||
| ROIC | 3.62% | ||
| ROICexc | 3.71% | ||
| ROICexgc | 5.01% | ||
| OM | 10.36% | ||
| PM (TTM) | 8.34% | ||
| GM | N/A | ||
| FCFM | 7.93% |
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 | 0.44 | ||
| Debt/EBITDA | 0.33 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 77.01 | ||
| Cash Conversion | 73.75% | ||
| Profit Quality | 95.17% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.26%
ROIC/WACC0.44
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)1542.86%
EPS 3Y27.54%
EPS 5Y6.6%
EPS Q2Q%290.91%
EPS Next Y57.46%
EPS Next 2Y21.74%
EPS Next 3Y15.42%
EPS Next 5YN/A
Revenue 1Y (TTM)3.37%
Revenue growth 3Y6.62%
Revenue growth 5Y4.03%
Sales Q2Q%0.15%
Revenue Next Year-0.78%
Revenue Next 2Y1.31%
Revenue Next 3Y2.86%
Revenue Next 5YN/A
EBIT growth 1Y990.28%
EBIT growth 3Y26.58%
EBIT growth 5Y1.62%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y74.39%
FCF growth 3Y-4.2%
FCF growth 5Y-2.44%
OCF growth 1Y74.39%
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 57.46% 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 28.95%.