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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 0.33
DGICA's Cash-to-Debt is ranked lower than
83% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.10 vs. DGICA: 0.33 )
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: 0.84
Current: 0.33
0.02
0.84
Equity-to-Asset 0.27
DGICA's Equity-to-Asset is ranked higher than
52% of the 127 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: 0.26  Med: 0.3 Max: 0.42
Current: 0.27
0.26
0.42
Interest Coverage 24.94
DGICA's Interest Coverage is ranked lower than
52% of the 143 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 28.75 vs. DGICA: 24.94 )
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: 24.94
Current: 24.94
10.73
24.94
WACC vs ROIC
2.86%
6.51%
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 : 5/10

vs
industry
vs
history
Operating Margin % 6.00
DGICA's Operating Margin % is ranked lower than
63% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.91 vs. DGICA: 6.00 )
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: 15.52
Current: 6
-1.42
15.52
Net Margin % 4.47
DGICA's Net Margin % is ranked lower than
64% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.94 vs. DGICA: 4.47 )
Ranked among companies with meaningful Net Margin % only.
DGICA' s Net Margin % Range Over the Past 10 Years
Min: 0.1  Med: 4.48 Max: 11.24
Current: 4.47
0.1
11.24
ROE % 7.14
DGICA's ROE % is ranked lower than
62% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.32 vs. DGICA: 7.14 )
Ranked among companies with meaningful ROE % only.
DGICA' s ROE % Range Over the Past 10 Years
Min: 0.12  Med: 5.49 Max: 11.37
Current: 7.14
0.12
11.37
ROA % 1.94
DGICA's ROA % is ranked lower than
56% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.17 vs. DGICA: 1.94 )
Ranked among companies with meaningful ROA % only.
DGICA' s ROA % Range Over the Past 10 Years
Min: 0.04  Med: 1.85 Max: 4.6
Current: 1.94
0.04
4.6
3-Year Revenue Growth Rate 6.90
DGICA's 3-Year Revenue Growth Rate is ranked higher than
55% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.70 vs. DGICA: 6.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
DGICA' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3  Med: 4.6 Max: 17.6
Current: 6.9
-3
17.6
3-Year EBITDA Growth Rate 8.80
DGICA's 3-Year EBITDA Growth Rate is ranked higher than
78% of the 107 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -2.70 vs. DGICA: 8.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
DGICA' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -38.1  Med: 10.3 Max: 41.1
Current: 8.8
-38.1
41.1
3-Year EPS without NRI Growth Rate 5.10
DGICA's 3-Year EPS without NRI Growth Rate is ranked higher than
66% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.00 vs. DGICA: 5.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
DGICA' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -72.9  Med: 7.6 Max: 201.8
Current: 5.1
-72.9
201.8
GuruFocus has detected 2 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: 2017-05-17 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q4 2016

DGICA Guru Trades in Q4 2016

Jim Simons 333,000 sh (+22.18%)
First Eagle Investment 49,463 sh (unchged)
Keeley Asset Management Corp 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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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NYSE:HCI, NYSE:HRTG, NAS:BWINB, NAS:UIHC, NAS:EMCI, NAS:SNC, NAS:NATL, NAS:GBLI, NAS:NMIH, OTCPK:PRBDF, NAS:KNSL, NAS:FNHC, NAS:HALL, NAS:AFH, NYSE:KFS, NYSE:UVE, NAS:CNFR, NAS:UNAM, NAS:PIH, NAS:NSEC » 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
PE Ratio 14.21
DGICA's PE Ratio is ranked higher than
55% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.45 vs. DGICA: 14.21 )
Ranked among companies with meaningful PE Ratio only.
DGICA' s PE Ratio Range Over the Past 10 Years
Min: 8.22  Med: 15.76 Max: 786.5
Current: 14.21
8.22
786.5
PE Ratio without NRI 14.21
DGICA's PE Ratio without NRI is ranked higher than
57% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.00 vs. DGICA: 14.21 )
Ranked among companies with meaningful PE Ratio without NRI only.
DGICA' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.22  Med: 15.78 Max: 786.5
Current: 14.21
8.22
786.5
Price-to-Owner-Earnings 7.46
DGICA's Price-to-Owner-Earnings is ranked higher than
70% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.35 vs. DGICA: 7.46 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
DGICA' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.01  Med: 9.72 Max: 17.46
Current: 7.46
5.01
17.46
PB Ratio 1.06
DGICA's PB Ratio is ranked higher than
70% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. DGICA: 1.06 )
Ranked among companies with meaningful PB Ratio only.
DGICA' s PB Ratio Range Over the Past 10 Years
Min: 0.72  Med: 0.98 Max: 1.82
Current: 1.06
0.72
1.82
PS Ratio 0.69
DGICA's PS Ratio is ranked higher than
75% of the 150 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. DGICA: 0.69 )
Ranked among companies with meaningful PS Ratio only.
DGICA' s PS Ratio Range Over the Past 10 Years
Min: 0.56  Med: 0.74 Max: 1.63
Current: 0.69
0.56
1.63
Price-to-Free-Cash-Flow 7.79
DGICA's Price-to-Free-Cash-Flow is ranked higher than
66% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.86 vs. DGICA: 7.79 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
DGICA' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.16  Med: 11.25 Max: 25.02
Current: 7.79
5.16
25.02
Price-to-Operating-Cash-Flow 7.71
DGICA's Price-to-Operating-Cash-Flow is ranked higher than
69% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.83 vs. DGICA: 7.71 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
DGICA' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.11  Med: 10.92 Max: 25.02
Current: 7.71
5.11
25.02
EV-to-EBIT 11.77
DGICA's EV-to-EBIT is ranked lower than
60% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.90 vs. DGICA: 11.77 )
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: 11.77
-72.9
395.9
EV-to-EBITDA 10.23
DGICA's EV-to-EBITDA is ranked lower than
58% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.30 vs. DGICA: 10.23 )
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: 10.23
-664.8
75.7
Shiller PE Ratio 17.95
DGICA's Shiller PE Ratio is ranked higher than
62% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.68 vs. DGICA: 17.95 )
Ranked among companies with meaningful Shiller PE Ratio only.
DGICA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.73  Med: 13.42 Max: 18.85
Current: 17.95
9.73
18.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.20
DGICA's Dividend Yield % is ranked higher than
56% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.57 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 Ratio 0.47
DGICA's Dividend Payout Ratio is ranked lower than
55% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.35 vs. DGICA: 0.47 )
Ranked among companies with meaningful Dividend Payout Ratio only.
DGICA' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.24  Med: 0.57 Max: 23.75
Current: 0.47
0.24
23.75
3-Year Dividend Growth Rate 2.80
DGICA's 3-Year Dividend Growth Rate is ranked lower than
79% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.80 vs. DGICA: 2.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
DGICA' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.3 Max: 16
Current: 2.8
0
16
Forward Dividend Yield % 3.20
DGICA's Forward Dividend Yield % is ranked higher than
57% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.74 vs. DGICA: 3.20 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.73
DGICA's 5-Year Yield-on-Cost % is ranked lower than
69% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.24 vs. DGICA: 3.73 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
DGICA' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.65  Med: 3.83 Max: 4.79
Current: 3.73
1.65
4.79
3-Year Average Share Buyback Ratio -0.50
DGICA's 3-Year Average Share Buyback Ratio is ranked lower than
53% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. DGICA: -0.50 )
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 Max: -0.1
Current: -0.5
-14.7
-0.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.07
DGICA's Price-to-Tangible-Book is ranked higher than
73% of the 146 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.67 vs. DGICA: 1.07 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
DGICA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.74  Med: 1.07 Max: 1.55
Current: 1.07
0.74
1.55
Price-to-Intrinsic-Value-Projected-FCF 0.61
DGICA's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
70% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. DGICA: 0.61 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
DGICA' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.36  Med: 0.61 Max: 0.84
Current: 0.61
0.36
0.84
Price-to-Median-PS-Value 0.91
DGICA's Price-to-Median-PS-Value is ranked higher than
76% of the 147 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. DGICA: 0.91 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
DGICA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.65  Med: 1.11 Max: 1.89
Current: 0.91
0.65
1.89
Price-to-Graham-Number 0.82
DGICA's Price-to-Graham-Number is ranked higher than
73% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. DGICA: 0.82 )
Ranked among companies with meaningful Price-to-Graham-Number only.
DGICA' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.52  Med: 0.87 Max: 5.49
Current: 0.82
0.52
5.49
Earnings Yield (Greenblatt) % 8.49
DGICA's Earnings Yield (Greenblatt) % is ranked lower than
55% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.28 vs. DGICA: 8.49 )
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: 8.49
0.3
17.3
Forward Rate of Return (Yacktman) % -26.85
DGICA's Forward Rate of Return (Yacktman) % is ranked lower than
97% of the 72 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.01 vs. DGICA: -26.85 )
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: -26.85  Med: 7.2 Max: 42.6
Current: -26.85
-26.85
42.6

More Statistics

Revenue (TTM) (Mil) $688.4
EPS (TTM) $ 1.21
Beta0.09
Short Percentage of Float0.46%
52-Week Range $13.30 - 18.55
Shares Outstanding (Mil)27.12
» More Articles for 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. Announces First Quarter 2017 Webcast Mar 21 2017
Donegal Group, Inc. :DGICA-US: Earnings Analysis: Q4, 2016 By the Numbers : March 21, 2017 Mar 21 2017
Donegal Group, Inc. : DGICA-US: Dividend Analysis : February 01st, 2017 (record date) : By the... Mar 20 2017
Donegal Group, Inc. breached its 50 day moving average in a Bullish Manner : DGICA-US : March 20,... Mar 20 2017
DONEGAL GROUP INC Financials Mar 16 2017
DONEGAL GROUP INC Files SEC form 10-K, Annual Report Mar 10 2017
DONEGAL GROUP INC Files SEC form 8-K, Other Events Feb 27 2017
Donegal Group Inc. to Present at the NYSSA 21st Annual Insurance Industry Conference on Monday,... Feb 27 2017
Edited Transcript of DGICA earnings conference call or presentation 17-Feb-17 4:00pm GMT Feb 17 2017
Donegal posts 4Q profit Feb 17 2017
Donegal posts 4Q profit Feb 17 2017
DONEGAL GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition Feb 17 2017
Donegal Group Inc. Announces 2016 Fourth Quarter and Full Year Results Feb 17 2017
Q4 2016 Donegal Group Inc Earnings Release - Before Market Open Feb 17 2017
Donegal Group, Inc. breached its 50 day moving average in a Bullish Manner : DGICA-US : February 14,... Feb 14 2017
Donegal Group, Inc. breached its 50 day moving average in a Bearish Manner : DGICA-US : January 24,... Jan 24 2017
Donegal Group Inc. Announces Fourth Quarter 2016 Webcast Jan 13 2017
Donegal Group (DGICA) & its Members Receive Rating Action Jan 05 2017
A.M. Best Affirms Credit Ratings of Members of Donegal Insurance Group and Donegal Group Inc. Jan 04 2017
Donegal Group, Inc. : DGICA-US: Dividend Analysis : November 01st, 2016 (record date) : By the... Dec 27 2016

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