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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.41
DGICA's Cash to Debt is ranked lower than
78% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.11 vs. DGICA: 0.41 )
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: 0.41
Equity to Asset 0.27
DGICA's Equity to Asset is ranked higher than
51% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 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: 0.25  Med: 0.3 Max: 0.42
Current: 0.27
0.25
0.42
Interest Coverage 25.30
DGICA's Interest Coverage is ranked lower than
54% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 31.42 vs. DGICA: 25.30 )
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: 25.3
10.73
24.84
F-Score: 7
WACC vs ROIC
3.62%
5.84%
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 (%) 5.58
DGICA's Operating margin (%) is ranked lower than
71% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.84 vs. DGICA: 5.58 )
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: 5.58
-1.42
18.01
Net-margin (%) 4.03
DGICA's Net-margin (%) is ranked lower than
69% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.32 vs. DGICA: 4.03 )
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: 4.03
0.1
12.19
ROE (%) 6.30
DGICA's ROE (%) is ranked lower than
69% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.61 vs. DGICA: 6.30 )
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: 6.3
0.12
13.43
ROA (%) 1.73
DGICA's ROA (%) is ranked lower than
65% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.36 vs. DGICA: 1.73 )
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: 1.73
0.04
4.99
Revenue Growth (3Y)(%) 4.60
DGICA's Revenue Growth (3Y)(%) is ranked lower than
61% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.50 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
66% of the 102 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 101 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 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
GuruFocus has detected 3 Warning Signs with Donegal Group Inc $DGICA.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» DGICA's 10-Y Financials

Financials (Next Earnings Date: 2017-02-17)


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

» Details

Guru Trades

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)
Keeley Asset Management Corp 10,000 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
Q3 2016

DGICA Guru Trades in Q3 2016

Keeley Asset Management Corp 17,833 sh (+59.47%)
Jim Simons 272,557 sh (+23.05%)
First Eagle Investment 49,463 sh (-17.13%)
» 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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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NYSE:HRTG, NYSE:HCI, NAS:BWINB, NAS:GBLI, NAS:SNC, NAS:UIHC, NAS:EMCI, NAS:NMIH, NAS:FNHC, NAS:KNSL, NAS:AFH, NAS:HALL, NYSE:KFS, NAS:UNAM, NAS:CNFR, NAS:NSEC, NAS:PIH, NYSE:UVE, NAS:IPCC, NYSE:STC » 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) 16.28
DGICA's P/E(ttm) is ranked lower than
57% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.39 vs. DGICA: 16.28 )
Ranked among companies with meaningful P/E(ttm) only.
DGICA' s P/E(ttm) Range Over the Past 10 Years
Min: 8.22  Med: 16.06 Max: 786.5
Current: 16.28
8.22
786.5
PE(NRI) 16.28
DGICA's PE(NRI) is ranked lower than
55% of the 117 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.39 vs. DGICA: 16.28 )
Ranked among companies with meaningful PE(NRI) only.
DGICA' s PE(NRI) Range Over the Past 10 Years
Min: 8.22  Med: 16.06 Max: 786.5
Current: 16.28
8.22
786.5
Price/Owner Earnings (ttm) 6.99
DGICA's Price/Owner Earnings (ttm) is ranked higher than
74% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.85 vs. DGICA: 6.99 )
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: 9.77 Max: 17.46
Current: 6.99
5.01
17.46
P/B 1.03
DGICA's P/B is ranked higher than
70% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.31 vs. DGICA: 1.03 )
Ranked among companies with meaningful P/B only.
DGICA' s P/B Range Over the Past 10 Years
Min: 0.72  Med: 0.98 Max: 1.82
Current: 1.03
0.72
1.82
P/S 0.69
DGICA's P/S is ranked higher than
78% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. DGICA: 0.69 )
Ranked among companies with meaningful P/S only.
DGICA' s P/S Range Over the Past 10 Years
Min: 0.56  Med: 0.74 Max: 1.63
Current: 0.69
0.56
1.63
PFCF 7.29
DGICA's PFCF is ranked lower than
53% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.75 vs. DGICA: 7.29 )
Ranked among companies with meaningful PFCF only.
DGICA' s PFCF Range Over the Past 10 Years
Min: 5.16  Med: 11.26 Max: 25.02
Current: 7.29
5.16
25.02
POCF 7.26
DGICA's POCF is ranked higher than
69% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.84 vs. DGICA: 7.26 )
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: 7.26
5.11
25.02
EV-to-EBIT 12.55
DGICA's EV-to-EBIT is ranked lower than
64% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.68 vs. DGICA: 12.55 )
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: 12.55
-72.9
395.9
EV-to-EBITDA 10.16
DGICA's EV-to-EBITDA is ranked lower than
57% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.43 vs. DGICA: 10.16 )
Ranked among companies with meaningful EV-to-EBITDA only.
DGICA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -664.8  Med: 11.8 Max: 75.7
Current: 10.16
-664.8
75.7
Shiller P/E 17.46
DGICA's Shiller P/E is ranked higher than
60% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.29 vs. DGICA: 17.46 )
Ranked among companies with meaningful Shiller P/E only.
DGICA' s Shiller P/E Range Over the Past 10 Years
Min: 9.73  Med: 13.44 Max: 19.76
Current: 17.46
9.73
19.76

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.20
DGICA's Dividend Yield is ranked higher than
53% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.98 vs. DGICA: 3.20 )
Ranked among companies with meaningful Dividend Yield only.
DGICA' s Dividend Yield Range Over the Past 10 Years
Min: 1.42  Med: 3.3 Max: 4.13
Current: 3.2
1.42
4.13
Dividend Payout 0.55
DGICA's Dividend Payout is ranked lower than
63% of the 140 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.34 vs. DGICA: 0.55 )
Ranked among companies with meaningful Dividend Payout only.
DGICA' s Dividend Payout Range Over the Past 10 Years
Min: 0.2  Med: 0.57 Max: 23.75
Current: 0.55
0.2
23.75
Dividend Growth (3y) 3.20
DGICA's Dividend Growth (3y) is ranked lower than
73% of the 77 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: 16
Current: 3.2
0
16
Forward Dividend Yield 3.22
DGICA's Forward Dividend Yield is ranked higher than
55% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.98 vs. DGICA: 3.22 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.73
DGICA's Yield on cost (5-Year) is ranked lower than
68% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.83 vs. DGICA: 3.73 )
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: 3.86 Max: 4.83
Current: 3.73
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 79 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 1.05
DGICA's Price/Tangible Book is ranked higher than
73% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.52 vs. DGICA: 1.05 )
Ranked among companies with meaningful Price/Tangible Book only.
DGICA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.69  Med: 1 Max: 1.68
Current: 1.05
0.69
1.68
Price/Projected FCF 0.62
DGICA's Price/Projected FCF is ranked higher than
58% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. DGICA: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
DGICA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.35  Med: 0.6 Max: 1.34
Current: 0.62
0.35
1.34
Price/Median PS Value 0.93
DGICA's Price/Median PS Value is ranked higher than
68% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. DGICA: 0.93 )
Ranked among companies with meaningful Price/Median PS Value only.
DGICA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.61  Med: 1.01 Max: 2.1
Current: 0.93
0.61
2.1
Price/Graham Number 0.87
DGICA's Price/Graham Number is ranked higher than
67% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.01 vs. DGICA: 0.87 )
Ranked among companies with meaningful Price/Graham Number only.
DGICA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.5  Med: 0.83 Max: 5.49
Current: 0.87
0.5
5.49
Earnings Yield (Greenblatt) (%) 8.00
DGICA's Earnings Yield (Greenblatt) (%) is ranked lower than
59% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.44 vs. DGICA: 8.00 )
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
0.3
17.3
Forward Rate of Return (Yacktman) (%) -26.88
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: 12.81 vs. DGICA: -26.88 )
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: -26.88  Med: 7.2 Max: 42.6
Current: -26.88
-26.88
42.6

More Statistics

Revenue (TTM) (Mil) $675.0
EPS (TTM) $ 1.05
Beta0.21
Short Percentage of Float0.60%
52-Week Range $12.71 - 18.55
Shares Outstanding (Mil)26.81

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