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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.38
DGICA's Cash to Debt is ranked lower than
82% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. DGICA: 0.38 )
Ranked among companies with meaningful Cash to Debt only.
DGICA' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.22 Max: N/A
Current: 0.38
Equity to Asset 0.27
DGICA's Equity to Asset is ranked lower than
51% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.29 vs. DGICA: 0.27 )
Ranked among companies with meaningful Equity to Asset only.
DGICA' s Equity to Asset Range Over the Past 10 Years
Min: 0.26  Med: 0.30 Max: 0.42
Current: 0.27
0.26
0.42
Interest Coverage 29.10
DGICA's Interest Coverage is ranked higher than
58% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.34 vs. DGICA: 29.10 )
Ranked among companies with meaningful Interest Coverage only.
DGICA' s Interest Coverage Range Over the Past 10 Years
Min: 10.73  Med: 17.62 Max: 24.84
Current: 29.1
10.73
24.84
F-Score: 6
WACC vs ROIC
4.17%
5.80%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 5.34
DGICA's Operating margin (%) is ranked lower than
72% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.83 vs. DGICA: 5.34 )
Ranked among companies with meaningful Operating margin (%) only.
DGICA' s Operating margin (%) Range Over the Past 10 Years
Min: -1.42  Med: 5.38 Max: 18.01
Current: 5.34
-1.42
18.01
Net-margin (%) 4.01
DGICA's Net-margin (%) is ranked lower than
74% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.04 vs. DGICA: 4.01 )
Ranked among companies with meaningful Net-margin (%) only.
DGICA' s Net-margin (%) Range Over the Past 10 Years
Min: 0.1  Med: 4.65 Max: 12.19
Current: 4.01
0.1
12.19
ROE (%) 6.07
DGICA's ROE (%) is ranked lower than
70% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.68 vs. DGICA: 6.07 )
Ranked among companies with meaningful ROE (%) only.
DGICA' s ROE (%) Range Over the Past 10 Years
Min: 0.12  Med: 5.49 Max: 13.43
Current: 6.07
0.12
13.43
ROA (%) 1.70
DGICA's ROA (%) is ranked lower than
68% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.39 vs. DGICA: 1.70 )
Ranked among companies with meaningful ROA (%) only.
DGICA' s ROA (%) Range Over the Past 10 Years
Min: 0.04  Med: 1.85 Max: 4.99
Current: 1.7
0.04
4.99
Revenue Growth (3Y)(%) 4.60
DGICA's Revenue Growth (3Y)(%) is ranked lower than
58% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.20 vs. DGICA: 4.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
DGICA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3  Med: 4.60 Max: 76.6
Current: 4.6
-3
76.6
EBITDA Growth (3Y)(%) -1.40
DGICA's EBITDA Growth (3Y)(%) is ranked lower than
67% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. DGICA: -1.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
DGICA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -38.1  Med: 10.35 Max: 41.1
Current: -1.4
-38.1
41.1
EPS Growth (3Y)(%) -5.60
DGICA's EPS Growth (3Y)(%) is ranked lower than
77% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. DGICA: -5.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
DGICA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -71.6  Med: 6.50 Max: 185.6
Current: -5.6
-71.6
185.6
» DGICA's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-28)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

DGICA Guru Trades in Q1 2015

Jim Simons 29,500 sh (+113.77%)
John Keeley 10,000 sh (unchged)
Michael Price 150,000 sh (unchged)
Chuck Royce 3,000 sh (unchged)
First Eagle Investment 39,500 sh (unchged)
» More
Q2 2015

DGICA Guru Trades in Q2 2015

Jim Simons 73,039 sh (+147.59%)
Michael Price 150,000 sh (unchged)
John Keeley 10,000 sh (unchged)
Chuck Royce 3,000 sh (unchged)
First Eagle Investment 27,403 sh (-30.63%)
» More
Q3 2015

DGICA Guru Trades in Q3 2015

First Eagle Investment 64,068 sh (+133.80%)
Jim Simons 142,100 sh (+94.55%)
Chuck Royce 3,000 sh (unchged)
John Keeley 10,000 sh (unchged)
Michael Price 150,000 sh (unchged)
» More
Q4 2015

DGICA Guru Trades in Q4 2015

Jim Simons 147,798 sh (+4.01%)
Michael Price 150,000 sh (unchged)
First Eagle Investment 64,068 sh (unchged)
John Keeley 10,000 sh (unchged)
Chuck Royce Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with DGICA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 15.86
DGICA's P/E(ttm) is ranked lower than
65% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.95 vs. DGICA: 15.86 )
Ranked among companies with meaningful P/E(ttm) only.
DGICA' s P/E(ttm) Range Over the Past 10 Years
Min: 4.3  Med: 16.29 Max: 62.05
Current: 15.86
4.3
62.05
PE(NRI) 16.02
DGICA's PE(NRI) is ranked lower than
67% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.91 vs. DGICA: 16.02 )
Ranked among companies with meaningful PE(NRI) only.
DGICA' s PE(NRI) Range Over the Past 10 Years
Min: 4.3  Med: 16.90 Max: 101.33
Current: 16.02
4.3
101.33
Price/Owner Earnings (ttm) 6.23
DGICA's Price/Owner Earnings (ttm) is ranked higher than
77% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.91 vs. DGICA: 6.23 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
DGICA' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.01  Med: 9.94 Max: 17.46
Current: 6.23
5.01
17.46
P/B 0.92
DGICA's P/B is ranked higher than
66% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. DGICA: 0.92 )
Ranked among companies with meaningful P/B only.
DGICA' s P/B Range Over the Past 10 Years
Min: 0.72  Med: 1.00 Max: 1.82
Current: 0.92
0.72
1.82
P/S 0.66
DGICA's P/S is ranked higher than
77% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. DGICA: 0.66 )
Ranked among companies with meaningful P/S only.
DGICA' s P/S Range Over the Past 10 Years
Min: 0.56  Med: 0.82 Max: 1.63
Current: 0.66
0.56
1.63
PFCF 45.34
DGICA's PFCF is ranked lower than
91% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.80 vs. DGICA: 45.34 )
Ranked among companies with meaningful PFCF only.
DGICA' s PFCF Range Over the Past 10 Years
Min: 6.55  Med: 11.70 Max: 170.33
Current: 45.34
6.55
170.33
POCF 6.40
DGICA's POCF is ranked higher than
66% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.15 vs. DGICA: 6.40 )
Ranked among companies with meaningful POCF only.
DGICA' s POCF Range Over the Past 10 Years
Min: 5.11  Med: 10.93 Max: 25.02
Current: 6.4
5.11
25.02
EV-to-EBIT 15.42
DGICA's EV-to-EBIT is ranked lower than
82% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.23 vs. DGICA: 15.42 )
Ranked among companies with meaningful EV-to-EBIT only.
DGICA' s EV-to-EBIT Range Over the Past 10 Years
Min: -72.9  Med: 13.50 Max: 395.9
Current: 15.42
-72.9
395.9
EV-to-EBITDA 12.51
DGICA's EV-to-EBITDA is ranked lower than
76% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.50 vs. DGICA: 12.51 )
Ranked among companies with meaningful EV-to-EBITDA only.
DGICA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -664.8  Med: 11.90 Max: 75.7
Current: 12.51
-664.8
75.7
Shiller P/E 12.71
DGICA's Shiller P/E is ranked higher than
86% of the 57 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.36 vs. DGICA: 12.71 )
Ranked among companies with meaningful Shiller P/E only.
DGICA' s Shiller P/E Range Over the Past 10 Years
Min: 2.54  Med: 10.81 Max: 14.34
Current: 12.71
2.54
14.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.56
DGICA's Dividend Yield is ranked higher than
50% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.58 vs. DGICA: 3.56 )
Ranked among companies with meaningful Dividend Yield only.
DGICA' s Dividend Yield Range Over the Past 10 Years
Min: 1.42  Med: 3.21 Max: 4.13
Current: 3.56
1.42
4.13
Dividend Payout 0.71
DGICA's Dividend Payout is ranked lower than
69% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.35 vs. DGICA: 0.71 )
Ranked among companies with meaningful Dividend Payout only.
DGICA' s Dividend Payout Range Over the Past 10 Years
Min: 0.16  Med: 0.41 Max: 20.65
Current: 0.71
0.16
20.65
Dividend Growth (3y) 3.20
DGICA's Dividend Growth (3y) is ranked lower than
75% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.10 vs. DGICA: 3.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
DGICA' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 3.30 Max: 32.7
Current: 3.2
0
32.7
Forward Dividend Yield 3.59
DGICA's Forward Dividend Yield is ranked higher than
59% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.11 vs. DGICA: 3.59 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.17
DGICA's Yield on cost (5-Year) is ranked lower than
64% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.28 vs. DGICA: 4.17 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
DGICA' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.66  Med: 3.76 Max: 4.83
Current: 4.17
1.66
4.83
3-Year Average Share Buyback Ratio -2.60
DGICA's 3-Year Average Share Buyback Ratio is ranked lower than
69% of the 89 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.40 vs. DGICA: -2.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
DGICA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15  Med: -3.20 Max: 7.8
Current: -2.6
-15
7.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.93
DGICA's Price/Tangible Book is ranked higher than
73% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.45 vs. DGICA: 0.93 )
Ranked among companies with meaningful Price/Tangible Book only.
DGICA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.74  Med: 1.06 Max: 1.55
Current: 0.93
0.74
1.55
Price/Projected FCF 0.82
DGICA's Price/Projected FCF is ranked lower than
52% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.81 vs. DGICA: 0.82 )
Ranked among companies with meaningful Price/Projected FCF only.
DGICA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.36  Med: 0.66 Max: 0.84
Current: 0.82
0.36
0.84
Price/Median PS Value 0.82
DGICA's Price/Median PS Value is ranked higher than
82% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.03 vs. DGICA: 0.82 )
Ranked among companies with meaningful Price/Median PS Value only.
DGICA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.59  Med: 1.10 Max: 1.71
Current: 0.82
0.59
1.71
Price/Graham Number 0.82
DGICA's Price/Graham Number is ranked lower than
51% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. DGICA: 0.82 )
Ranked among companies with meaningful Price/Graham Number only.
DGICA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.52  Med: 0.87 Max: 5.13
Current: 0.82
0.52
5.13
Earnings Yield (Greenblatt) (%) 6.54
DGICA's Earnings Yield (Greenblatt) (%) is ranked lower than
74% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. DGICA: 6.54 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
DGICA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 7.30 Max: 17.3
Current: 6.54
0.3
17.3
Forward Rate of Return (Yacktman) (%) -26.90
DGICA's Forward Rate of Return (Yacktman) (%) is ranked lower than
96% of the 75 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.77 vs. DGICA: -26.90 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
DGICA' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -26.3  Med: 7.40 Max: 42.6
Current: -26.9
-26.3
42.6

More Statistics

Revenue(Mil) $648
EPS $ 0.96
Beta0.38
Short Percentage of Float2.14%
52-Week Range $12.69 - 15.74
Shares Outstanding(Mil)26.15

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:NAS:GBLI, NAS:EMCI, HKSE:00222, TSE:8715, NYSE:HRTG » details
Donegal Group Inc is a Delaware Corporation organized on August 26, 1986. It is an insurance holding company. The Company through its subsidiaries offers personal and commercial lines of property and casualty insurance to businesses and individuals in Mid-Atlantic, Midwestern, New England and Southern states. The Company operates in four segments; investment function, personal lines of insurance, commercial lines of insurance and investment in DFSC. The personal lines products of its insurance subsidiaries consist of homeowners and private passenger automobile policies. The commercial lines products of its insurance subsidiaries consist of commercial automobile, commercial multi-peril and workers' compensation policies. The Company's insurance subsidiaries and Donegal Mutual provides their policyholders with a selection of insurance products at competitive rates, while pursuing profitability by adhering to a strict underwriting discipline. The Company's insurance subsidiaries derive a substantial portion of their insurance business from smaller to mid-sized regional communities. The Company is subject to regulation by the FRB under the holding company provisions of the federal Home Owners Loan Act, or HOLA.
» More Articles for DGICA

Headlines

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