Switch to:

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 : 6/10

vs
industry
vs
history
Cash to Debt 0.36
DGICA's Cash to Debt is ranked lower than
84% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. DGICA: 0.36 )
Ranked among companies with meaningful Cash to Debt only.
DGICA' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.25 Max: N/A
Current: 0.36
Equity to Asset 0.28
DGICA's Equity to Asset is ranked higher than
52% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. DGICA: 0.28 )
Ranked among companies with meaningful Equity to Asset only.
DGICA' s Equity to Asset Range Over the Past 10 Years
Min: 0.25  Med: 0.3 Max: 0.42
Current: 0.28
0.25
0.42
Interest Coverage 31.79
DGICA's Interest Coverage is ranked lower than
55% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 47.73 vs. DGICA: 31.79 )
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: 31.79
Current: 31.79
10.73
31.79
F-Score: 7
WACC vs ROIC
3.20%
6.16%
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 (%) 5.80
DGICA's Operating margin (%) is ranked lower than
68% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.61 vs. DGICA: 5.80 )
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: 5.8
-1.42
18.01
Net-margin (%) 4.26
DGICA's Net-margin (%) is ranked lower than
70% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.93 vs. DGICA: 4.26 )
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: 4.26
0.1
12.19
ROE (%) 6.53
DGICA's ROE (%) is ranked lower than
63% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.87 vs. DGICA: 6.53 )
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: 6.53
0.12
13.43
ROA (%) 1.81
DGICA's ROA (%) is ranked lower than
60% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.17 vs. DGICA: 1.81 )
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: 1.81
0.04
4.99
Revenue Growth (3Y)(%) 4.60
DGICA's Revenue Growth (3Y)(%) is ranked lower than
61% of the 118 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: 4.6 Max: 17.6
Current: 4.6
-3
17.6
EBITDA Growth (3Y)(%) -1.40
DGICA's EBITDA Growth (3Y)(%) is ranked lower than
67% of the 101 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 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: 10.3 Max: 41.1
Current: -1.4
-38.1
41.1
EPS Growth (3Y)(%) -6.20
DGICA's EPS Growth (3Y)(%) is ranked lower than
74% of the 100 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.30 vs. DGICA: -6.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
DGICA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -72.9  Med: 7.6 Max: 199.3
Current: -6.2
-72.9
199.3
» DGICA's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-24)


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

» Details

Guru Trades

Q3 2015

DGICA Guru Trades in Q3 2015

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

DGICA Guru Trades in Q4 2015

Jim Simons 147,798 sh (+4.01%)
First Eagle Investment 64,068 sh (unchged)
Keeley Asset Management Corp 10,000 sh (unchged)
Michael Price 150,000 sh (unchged)
Chuck Royce Sold Out
» More
Q1 2016

DGICA Guru Trades in Q1 2016

Jim Simons 177,800 sh (+20.30%)
Keeley Asset Management Corp 10,093 sh (+0.93%)
First Eagle Investment 64,068 sh (unchged)
Michael Price Sold Out
» More
Q2 2016

DGICA Guru Trades in Q2 2016

Jim Simons 221,500 sh (+24.58%)
Keeley Asset Management Corp 11,183 sh (+10.80%)
First Eagle Investment 59,684 sh (-6.84%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:NAS:SNC, NYSE:HRTG, NAS:BWINB, NAS:NMIH, NAS:GBLI, NAS:UIHC, NYSE:HCI, NAS:EMCI, OTCPK:PRBDF, NAS:FNHC, NAS:NATL, NAS:AFH, NAS:HALL, NYSE:KFS, NAS:UNAM, NAS:CNFR, NAS:NSEC, NAS:PIH, NYSE:UVE, NAS:IPCC » details
Donegal Group Inc is an insurance holding company. Its insurance subsidiaries offers personal and commercial lines of property and casualty insurance to businesses and individuals in Mid-Atlantic, Midwestern, New England and Southern states.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 15.60
DGICA's P/E(ttm) is ranked lower than
57% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.69 vs. DGICA: 15.60 )
Ranked among companies with meaningful P/E(ttm) only.
DGICA' s P/E(ttm) Range Over the Past 10 Years
Min: 9.99  Med: 17.37 Max: 786.5
Current: 15.6
9.99
786.5
PE(NRI) 15.60
DGICA's PE(NRI) is ranked lower than
56% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.75 vs. DGICA: 15.60 )
Ranked among companies with meaningful PE(NRI) only.
DGICA' s PE(NRI) Range Over the Past 10 Years
Min: 10.02  Med: 17.34 Max: 786.5
Current: 15.6
10.02
786.5
Price/Owner Earnings (ttm) 7.18
DGICA's Price/Owner Earnings (ttm) is ranked higher than
82% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.41 vs. DGICA: 7.18 )
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: 9.87 Max: 17.46
Current: 7.18
5.01
17.46
P/B 0.96
DGICA's P/B is ranked higher than
70% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.19 vs. DGICA: 0.96 )
Ranked among companies with meaningful P/B only.
DGICA' s P/B Range Over the Past 10 Years
Min: 0.72  Med: 0.99 Max: 1.82
Current: 0.96
0.72
1.82
P/S 0.67
DGICA's P/S is ranked higher than
76% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.03 vs. DGICA: 0.67 )
Ranked among companies with meaningful P/S only.
DGICA' s P/S Range Over the Past 10 Years
Min: 0.56  Med: 0.79 Max: 1.63
Current: 0.67
0.56
1.63
PFCF 15.83
DGICA's PFCF is ranked lower than
74% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.48 vs. DGICA: 15.83 )
Ranked among companies with meaningful PFCF only.
DGICA' s PFCF Range Over the Past 10 Years
Min: 6.55  Med: 12.08 Max: 170.33
Current: 15.83
6.55
170.33
POCF 7.47
DGICA's POCF is ranked higher than
57% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.22 vs. DGICA: 7.47 )
Ranked among companies with meaningful POCF only.
DGICA' s POCF Range Over the Past 10 Years
Min: 5.11  Med: 10.92 Max: 25.02
Current: 7.47
5.11
25.02
EV-to-EBIT 12.01
DGICA's EV-to-EBIT is ranked lower than
65% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.74 vs. DGICA: 12.01 )
Ranked among companies with meaningful EV-to-EBIT only.
DGICA' s EV-to-EBIT Range Over the Past 10 Years
Min: -72.9  Med: 13.3 Max: 395.9
Current: 12.01
-72.9
395.9
EV-to-EBITDA 9.87
DGICA's EV-to-EBITDA is ranked lower than
57% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.31 vs. DGICA: 9.87 )
Ranked among companies with meaningful EV-to-EBITDA only.
DGICA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -664.8  Med: 11.7 Max: 75.7
Current: 9.87
-664.8
75.7
Shiller P/E 17.61
DGICA's Shiller P/E is ranked higher than
56% of the 57 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. DGICA: 17.61 )
Ranked among companies with meaningful Shiller P/E only.
DGICA' s Shiller P/E Range Over the Past 10 Years
Min: 9.73  Med: 13.93 Max: 21
Current: 17.61
9.73
21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.37
DGICA's Dividend Yield is ranked higher than
61% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.81 vs. DGICA: 3.37 )
Ranked among companies with meaningful Dividend Yield only.
DGICA' s Dividend Yield Range Over the Past 10 Years
Min: 1.42  Med: 3.27 Max: 4.13
Current: 3.37
1.42
4.13
Dividend Payout 0.52
DGICA's Dividend Payout is ranked lower than
55% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.36 vs. DGICA: 0.52 )
Ranked among companies with meaningful Dividend Payout only.
DGICA' s Dividend Payout Range Over the Past 10 Years
Min: 0.19  Med: 0.4 Max: 11.3
Current: 0.52
0.19
11.3
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: 10.30 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: 3.3 Max: 32.7
Current: 3.2
0
32.7
Forward Dividend Yield 3.40
DGICA's Forward Dividend Yield is ranked higher than
61% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.84 vs. DGICA: 3.40 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.94
DGICA's Yield on cost (5-Year) is ranked lower than
61% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.83 vs. DGICA: 3.94 )
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: 3.83 Max: 4.83
Current: 3.94
1.66
4.83
3-Year Average Share Buyback Ratio -0.60
DGICA's 3-Year Average Share Buyback Ratio is ranked lower than
56% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. DGICA: -0.60 )
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: -14.7  Med: -2.1 Max: -0.1
Current: -0.6
-14.7
-0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.98
DGICA's Price/Tangible Book is ranked higher than
75% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.38 vs. DGICA: 0.98 )
Ranked among companies with meaningful Price/Tangible Book only.
DGICA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.71  Med: 1 Max: 1.69
Current: 0.98
0.71
1.69
Price/Projected FCF 0.75
DGICA's Price/Projected FCF is ranked higher than
52% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.75 vs. DGICA: 0.75 )
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: 1.34
Current: 0.75
0.36
1.34
Price/Median PS Value 0.85
DGICA's Price/Median PS Value is ranked higher than
76% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. DGICA: 0.85 )
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: 0.95 Max: 1.97
Current: 0.85
0.59
1.97
Price/Graham Number 0.82
DGICA's Price/Graham Number is ranked higher than
64% of the 106 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.95 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: 0.5  Med: 0.87 Max: 5.49
Current: 0.82
0.5
5.49
Earnings Yield (Greenblatt) (%) 8.34
DGICA's Earnings Yield (Greenblatt) (%) is ranked lower than
54% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.20 vs. DGICA: 8.34 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
DGICA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 7.4 Max: 17.3
Current: 8.34
0.3
17.3
Forward Rate of Return (Yacktman) (%) -27.28
DGICA's Forward Rate of Return (Yacktman) (%) is ranked lower than
96% of the 74 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.03 vs. DGICA: -27.28 )
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: -27.28  Med: 7.4 Max: 42.6
Current: -27.28
-27.28
42.6

More Statistics

Revenue (TTM) (Mil) $659.5
EPS (TTM) $ 1.04
Beta0.26
Short Percentage of Float1.33%
52-Week Range $12.69 - 16.85
Shares Outstanding (Mil)26.60
» More Articles for NAS:DGICA

Headlines

Articles On GuruFocus.com
Roundys Among Largest Insiders' Buys of the Week Dec 31 2015 
Dividends of MarkWest Energy Partners, Donegal, and Amgen Apr 21 2011 
Donegal Group Inc. Reports Operating Results (10-K) Mar 14 2011 
Donegal Group Inc. Reports Operating Results (10-Q) Nov 09 2010 
Donegal Group Inc. Reports Operating Results (10-Q) Aug 09 2010 
Donegal Group Inc. Reports Operating Results (10-Q) May 07 2010 
Four Dividend Stocks Raising Expectations and Dividends: Enterprise Products Partners, Genesis Energ Apr 20 2010 
Donegal Group Inc. Reports Operating Results (10-Q) Nov 06 2009 
Donegal Group Inc. Reports Operating Results (10-Q) Aug 07 2009 
Donegal Group Inc. Reports Operating Results (10-Q) May 05 2009 

More From Other Websites
Donegal Group Inc. to Present at the Keefe, Bruyette & Woods 2016 Insurance Conference Aug 25 2016
DONEGAL GROUP INC Financials Aug 16 2016
ETF’s with exposure to Donegal Group, Inc. : August 16, 2016 Aug 16 2016
Donegal Group, Inc. breached its 50 day moving average in a Bearish Manner : DGICA-US : August 15,... Aug 15 2016
DONEGAL GROUP INC Files SEC form 10-Q, Quarterly Report Aug 08 2016
ETF’s with exposure to Donegal Group, Inc. : August 2, 2016 Aug 02 2016
Donegal Group, Inc. :DGICA-US: Earnings Analysis: Q2, 2016 By the Numbers : August 1, 2016 Aug 01 2016
Donegal Group, Inc. breached its 50 day moving average in a Bearish Manner : DGICA-US : August 1,... Aug 01 2016
Donegal Group, Inc. :DGICA-US: Earnings Analysis: Q2, 2016 By the Numbers : July 27, 2016 Jul 27 2016
Edited Transcript of DGICA earnings conference call or presentation 26-Jul-16 3:00pm GMT Jul 26 2016
Donegal posts 2Q profit Jul 26 2016
Donegal Group Inc. Announces Second Quarter and First Half 2016 Results Jul 26 2016
Donegal posts 2Q profit Jul 26 2016
Donegal posts 2Q profit Jul 26 2016
DONEGAL GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition Jul 26 2016
Donegal Group Inc. Announces Second Quarter and First Half 2016 Results Jul 26 2016
Q2 2016 Donegal Group Inc Earnings Release - Before Market Open Jul 26 2016
Donegal Group Inc. Announces Quarterly Dividend Jul 22 2016
DONEGAL GROUP INC Files SEC form 8-K, Regulation FD Disclosure Jul 22 2016
Donegal Group Inc. Announces Quarterly Dividend Jul 22 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)