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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 0.47
DGICA's Cash to Debt is ranked lower than
78% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. DGICA: 0.47 )
Ranked among companies with meaningful Cash to Debt only.
DGICA' s 10-Year Cash to Debt Range
Min: 0.02   Max: N/A
Current: 0.47

Equity to Asset 0.29
DGICA's Equity to Asset is ranked higher than
53% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.28 vs. DGICA: 0.29 )
Ranked among companies with meaningful Equity to Asset only.
DGICA' s 10-Year Equity to Asset Range
Min: 0.25   Max: 0.42
Current: 0.29

0.25
0.42
Interest Coverage 10.73
DGICA's Interest Coverage is ranked lower than
70% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 41.04 vs. DGICA: 10.73 )
Ranked among companies with meaningful Interest Coverage only.
DGICA' s 10-Year Interest Coverage Range
Min: 1.36   Max: 24.1
Current: 10.73

1.36
24.1
F-Score: 6
Z-Score: 0.90
WACC vs ROIC
2.25%
5.14%
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 (%) 4.34
DGICA's Operating margin (%) is ranked lower than
76% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. DGICA: 4.34 )
Ranked among companies with meaningful Operating margin (%) only.
DGICA' s 10-Year Operating margin (%) Range
Min: -1.42   Max: 18.01
Current: 4.34

-1.42
18.01
Net-margin (%) 3.67
DGICA's Net-margin (%) is ranked lower than
78% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.51 vs. DGICA: 3.67 )
Ranked among companies with meaningful Net-margin (%) only.
DGICA' s 10-Year Net-margin (%) Range
Min: 0.1   Max: 12.19
Current: 3.67

0.1
12.19
ROE (%) 5.34
DGICA's ROE (%) is ranked lower than
79% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.00 vs. DGICA: 5.34 )
Ranked among companies with meaningful ROE (%) only.
DGICA' s 10-Year ROE (%) Range
Min: 0.12   Max: 14.19
Current: 5.34

0.12
14.19
ROA (%) 1.51
DGICA's ROA (%) is ranked lower than
72% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. DGICA: 1.51 )
Ranked among companies with meaningful ROA (%) only.
DGICA' s 10-Year ROA (%) Range
Min: 0.04   Max: 4.99
Current: 1.51

0.04
4.99
ROC (Joel Greenblatt) (%) 139.46
DGICA's ROC (Joel Greenblatt) (%) is ranked lower than
62% of the 104 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 253.35 vs. DGICA: 139.46 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
DGICA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -96.16   Max: 1144.97
Current: 139.46

-96.16
1144.97
Revenue Growth (3Y)(%) 5.20
DGICA's Revenue Growth (3Y)(%) is ranked lower than
59% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. DGICA: 5.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
DGICA' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2.7   Max: 18.7
Current: 5.2

-2.7
18.7
EPS Growth (3Y)(%) 200.00
DGICA's EPS Growth (3Y)(%) is ranked higher than
95% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.00 vs. DGICA: 200.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
DGICA' s 10-Year EPS Growth (3Y)(%) Range
Min: -72.9   Max: 200
Current: 200

-72.9
200
» DGICA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

DGICA Guru Trades in Q2 2014

First Eagle Investment 50,100 sh (+25.25%)
John Keeley 10,000 sh (unchged)
Michael Price 150,000 sh (unchged)
Chuck Royce 3,000 sh (unchged)
Jim Simons Sold Out
» More
Q3 2014

DGICA Guru Trades in Q3 2014

First Eagle Investment 59,500 sh (+18.76%)
John Keeley 10,000 sh (unchged)
Michael Price 150,000 sh (unchged)
Chuck Royce 3,000 sh (unchged)
» More
Q4 2014

DGICA Guru Trades in Q4 2014

Jim Simons 13,800 sh (New)
Chuck Royce 3,000 sh (unchged)
John Keeley 10,000 sh (unchged)
Michael Price 150,000 sh (unchged)
First Eagle Investment 39,500 sh (-33.61%)
» More
Q1 2015

DGICA Guru Trades in Q1 2015

Jim Simons 29,500 sh (+113.77%)
Chuck Royce 3,000 sh (unchged)
Michael Price 150,000 sh (unchged)
First Eagle Investment 39,500 sh (unchged)
John Keeley 10,000 sh (unchged)
» 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) 18.50
DGICA's P/E(ttm) is ranked lower than
113% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. DGICA: 18.50 )
Ranked among companies with meaningful P/E(ttm) only.
DGICA' s 10-Year P/E(ttm) Range
Min: 4.3   Max: 983.13
Current: 18.5

4.3
983.13
Forward P/E 13.99
DGICA's Forward P/E is ranked lower than
70% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.35 vs. DGICA: 13.99 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.70
DGICA's PE(NRI) is ranked lower than
83% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.60 vs. DGICA: 17.70 )
Ranked among companies with meaningful PE(NRI) only.
DGICA' s 10-Year PE(NRI) Range
Min: 4.3   Max: 786.5
Current: 17.7

4.3
786.5
P/B 0.90
DGICA's P/B is ranked higher than
84% of the 172 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. DGICA: 0.90 )
Ranked among companies with meaningful P/B only.
DGICA' s 10-Year P/B Range
Min: 0.72   Max: 1.8
Current: 0.9

0.72
1.8
P/S 0.70
DGICA's P/S is ranked higher than
82% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.96 vs. DGICA: 0.70 )
Ranked among companies with meaningful P/S only.
DGICA' s 10-Year P/S Range
Min: 0.52   Max: 1.64
Current: 0.7

0.52
1.64
PFCF 6.80
DGICA's PFCF is ranked higher than
62% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.63 vs. DGICA: 6.80 )
Ranked among companies with meaningful PFCF only.
DGICA' s 10-Year PFCF Range
Min: 6.59   Max: 143
Current: 6.8

6.59
143
POCF 6.52
DGICA's POCF is ranked higher than
70% of the 105 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.94 vs. DGICA: 6.52 )
Ranked among companies with meaningful POCF only.
DGICA' s 10-Year POCF Range
Min: 6.4   Max: 25.95
Current: 6.52

6.4
25.95
EV-to-EBIT 15.96
DGICA's EV-to-EBIT is ranked lower than
85% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.98 vs. DGICA: 15.96 )
Ranked among companies with meaningful EV-to-EBIT only.
DGICA' s 10-Year EV-to-EBIT Range
Min: -419.1   Max: 856.3
Current: 15.96

-419.1
856.3
Shiller P/E 18.10
DGICA's Shiller P/E is ranked lower than
88% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. DGICA: 18.10 )
Ranked among companies with meaningful Shiller P/E only.
DGICA' s 10-Year Shiller P/E Range
Min: 6.88   Max: 21.17
Current: 18.1

6.88
21.17
Days Sales Outstanding 87.26
DGICA's Days Sales Outstanding is ranked higher than
50% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.26 vs. DGICA: 87.26 )
Ranked among companies with meaningful Days Sales Outstanding only.
DGICA' s 10-Year Days Sales Outstanding Range
Min: 0.1   Max: 165.12
Current: 87.26

0.1
165.12

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.70
DGICA's Dividend Yield is ranked lower than
99% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.25 vs. DGICA: 3.70 )
Ranked among companies with meaningful Dividend Yield only.
DGICA' s 10-Year Dividend Yield Range
Min: 1.42   Max: 4.13
Current: 3.7

1.42
4.13
Dividend Payout 0.65
DGICA's Dividend Payout is ranked lower than
100% of the 89 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. DGICA: 0.65 )
Ranked among companies with meaningful Dividend Payout only.
DGICA' s 10-Year Dividend Payout Range
Min: 0.04   Max: 10.5
Current: 0.65

0.04
10.5
Dividend growth (3y) 3.20
DGICA's Dividend growth (3y) is ranked lower than
68% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. DGICA: 3.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
DGICA' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 32.7
Current: 3.2

0
32.7
Yield on cost (5-Year) 4.35
DGICA's Yield on cost (5-Year) is ranked lower than
102% of the 93 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. DGICA: 4.35 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
DGICA' s 10-Year Yield on cost (5-Year) Range
Min: 1.67   Max: 4.86
Current: 4.35

1.67
4.86
Share Buyback Rate -2.00
DGICA's Share Buyback Rate is ranked lower than
72% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. DGICA: -2.00 )
Ranked among companies with meaningful Share Buyback Rate only.
DGICA' s 10-Year Share Buyback Rate Range
Min: 7.3   Max: -15
Current: -2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
DGICA's Price/Tangible Book is ranked higher than
81% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. DGICA: 1.00 )
Ranked among companies with meaningful Price/Tangible Book only.
DGICA' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 1.69
Current: 1

0.71
1.69
Price/DCF (Projected) 0.60
DGICA's Price/DCF (Projected) is ranked higher than
57% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. DGICA: 0.60 )
Ranked among companies with meaningful Price/DCF (Projected) only.
DGICA' s 10-Year Price/DCF (Projected) Range
Min: 0.15   Max: 0.93
Current: 0.6

0.15
0.93
Price/Median PS Value 0.80
DGICA's Price/Median PS Value is ranked higher than
82% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. DGICA: 0.80 )
Ranked among companies with meaningful Price/Median PS Value only.
DGICA' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 1.91
Current: 0.8

0.57
1.91
Price/Graham Number 0.90
DGICA's Price/Graham Number is ranked lower than
69% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. DGICA: 0.90 )
Ranked among companies with meaningful Price/Graham Number only.
DGICA' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 5.83
Current: 0.9

0.5
5.83
Earnings Yield (Greenblatt) 6.20
DGICA's Earnings Yield (Greenblatt) is ranked lower than
95% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.80 vs. DGICA: 6.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
DGICA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 86.7
Current: 6.2

0.1
86.7
Forward Rate of Return (Yacktman) -36.41
DGICA's Forward Rate of Return (Yacktman) is ranked lower than
98% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.09 vs. DGICA: -36.41 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
DGICA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -36.2   Max: 69.7
Current: -36.41

-36.2
69.7

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » 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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