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Donegal Group Inc.(DGICA)Earnings, Financials & Key Ratios
DGICA•NASDAQ•Insurance & Managed Care
$19.24
8.8× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryPersonal auto and homeowners insurers
AboutDonegal Group Inc., an insurance holding company, provides personal and commercial lines of property and casualty insurance to businesses and individuals. It operates through three segments: Investment Function, Personal Lines of Insurance, and Commercial Lines of Insurance. The company offers private passenger automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents, as well as protection against loss from damage to automobiles; and homeowners policies, which provide coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft, as well as liability of the insured arising from injury to other persons or their property. It also offers commercial automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents and protection against loss from damage to automobiles owned by the insured; commercial multi-peril policies that provide protection to businesses against combining liability and physical damage coverages; and workers' compensation policies, which provide benefits to employees for injuries sustained during employment. The company markets its insurance products primarily to Mid-Atlantic, Midwestern, New England, Southern, and Southwestern regions through approximately 2,300 independent insurance agencies. Donegal Group Inc. was incorporated in 1986 and is headquartered in Marietta, Pennsylvania.Show more
- Revenue$978M-1.2%
- Combined Ratio90.02%-3.9%
- Net Income$79M+56.0%
- Return on Equity13.38%+34.9%
- Medical Cost Ratio73.32%-5.1%
- Operating Margin9.98%+58.4%
- Net Margin8.11%+57.8%
- ROA3.36%+52.0%
- Equity / Assets26.83%+14.9%
DGICA Price & Volume
Donegal Group Inc. (DGICA) stock price & volume — 10-year historical chart
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Underwriting Discipline Stabilizes Volatile Earnings Profile
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Contracting
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Regional Catastrophe Exposure
Key Thesis Takeaways
- Donegal Group maintains a conservative capital structure with a 0.05% debt-to-equity ratio, prioritizing long-term solvency over aggressive top-line growth as evidenced by the recent -3.7% revenue contraction.
- While the intercompany pooling agreement provides essential operational scale, the company's reliance on this structure may mask underlying underwriting volatility, as seen in the combined ratio's fluctuation from 101.0% in 2023Q4 to 94.0% in 2026Q1.
- Investors should monitor the sustainability of earnings and the impact of inflationary claim settlement costs on future profitability.
Verdict Logic
while the stock trades at a P/B of 0.91 and offers a 4.4% dividend yield, the persistent volatility in the loss ratio and recent revenue contraction warrant a cautious approach.
DGICA Growth Metrics
Donegal Group Inc. (DGICA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years4.41%
5 Years4.69%
3 Years4.86%
TTM-2.46%
Profit CAGR
10 Years14.22%
5 Years8.48%
3 Years-
TTM-6.37%
EPS CAGR
10 Years8.55%
5 Years3.56%
3 Years-
TTM-10.68%
Return on Capital
10 Years5.33%
5 Years6.9%
3 Years9.75%
Last Year16.24%
DGICA Recent Earnings
Donegal Group Inc. (DGICA) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$0.32-20.0%
$0.40
Rev
$239M-3.4%
$248M
Q1 2026
Feb 19, 2026Metric
Actual
Est
EPS
$0.50-7.2%
$0.54
Rev
$204M-5.5%
$216M
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.52+2.0%
$0.51
Rev
$246M+1.4%
$243M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.43+19.4%
$0.36
Rev
$247M+1.1%
$244M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.32vs $0.40-20.0% | $239Mvs $248M-3.4% |
| Q1 2026 | Feb 19, 2026 | $0.50vs $0.54-7.2% | $204Mvs $216M-5.5% |
| Q4 2025 | Oct 30, 2025 | $0.52vs $0.51+2.0% | $246Mvs $243M+1.4% |
| Q3 2025 | Jul 24, 2025 | $0.43vs $0.36+19.4% | $247Mvs $244M+1.1% |
Based on last 12 quarters of dataView full earnings history →
Latest DGICA News
Recent stock market news and headlines for Donegal Group Inc. (DGICA)
Peers Comparison
Key metrics vs top competitors for Donegal Group Inc. (DGICA)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $19.24 | $705.12M | 8.83 | -1.17% | 8.11% | 13.38% | 4.27% | |
| $256.37 | $11.84B | 24.14 | 7.17% | 13.2% | 25.03% | — | |
| $29.50 | $1.74B | 12.88 | 3.62% | 0.89% | 1.53% | — | |
| $27.20 | $825.52M | 4.30 | 3.71% | 25.99% | 43.68% | — | |
| $15.49 | $317.26M | -30.98 | -12.35% | -1.6% | -1.79% | — | |
| $59.24 | $604.96M | 16.46 | 28.89% | 25.81% | 12.38% | — |
Compare DGICA vs Peers
Donegal Group Inc. (DGICA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
DGICA SEC Filings & Documents
Donegal Group Inc. (DGICA) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Jun 17, 2026·SEC
Material company update
Apr 30, 2026·SEC
Material company update
Apr 17, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
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DGICA Frequently Asked Questions
Donegal Group Inc. (DGICA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Donegal Group Inc. growing?
Donegal Group Inc. (DGICA) saw revenue decline by 1.2% over the past year.
Is DGICA profitable?
Yes, Donegal Group Inc. (DGICA) is profitable, generating $65.6M in net income for fiscal year 2025 (8.1% net margin).
Dividend & Returns
Does DGICA pay dividends?
Yes, Donegal Group Inc. (DGICA) pays a dividend with a yield of 4.27%. This makes it attractive for income-focused investors.
What is DGICA's return on equity?
Donegal Group Inc. (DGICA) has a return on equity (ROE) of 13.4%. This is reasonable for most industries.
Industry Metrics
What is Donegal Group Inc.'s combined ratio?
Donegal Group Inc. (DGICA) has a combined ratio of 90.0%. A ratio below 100% indicates underwriting profitability.