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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 0.26
DGICB's Cash to Debt is ranked higher than
56% of the 195 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.64 vs. DGICB: 0.26 )
DGICB' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 0.26

Equity to Asset 0.29
DGICB's Equity to Asset is ranked higher than
79% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. DGICB: 0.29 )
DGICB' s 10-Year Equity to Asset Range
Min: 0.25   Max: 0.42
Current: 0.29

0.25
0.42
Interest Coverage 20.01
DGICB's Interest Coverage is ranked higher than
69% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 27.44 vs. DGICB: 20.01 )
DGICB' s 10-Year Interest Coverage Range
Min: 1.36   Max: 24.1
Current: 20.01

1.36
24.1
F-Score: 5
Z-Score: 0.91
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 : 8/10

vs
industry
vs
history
Operating margin (%) 5.98
DGICB's Operating margin (%) is ranked higher than
61% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.62 vs. DGICB: 5.98 )
DGICB' s 10-Year Operating margin (%) Range
Min: -1.42   Max: 18.01
Current: 5.98

-1.42
18.01
Net-margin (%) 4.81
DGICB's Net-margin (%) is ranked higher than
63% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.68 vs. DGICB: 4.81 )
DGICB' s 10-Year Net-margin (%) Range
Min: 0.1   Max: 12.19
Current: 4.81

0.1
12.19
ROE (%) 6.63
DGICB's ROE (%) is ranked higher than
62% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. DGICB: 6.63 )
DGICB' s 10-Year ROE (%) Range
Min: 0.12   Max: 13.3
Current: 6.63

0.12
13.3
ROA (%) 1.90
DGICB's ROA (%) is ranked higher than
66% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.69 vs. DGICB: 1.90 )
DGICB' s 10-Year ROA (%) Range
Min: 0.04   Max: 4.84
Current: 1.9

0.04
4.84
ROC (Joel Greenblatt) (%) 509.11
DGICB's ROC (Joel Greenblatt) (%) is ranked higher than
86% of the 147 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 217.60 vs. DGICB: 509.11 )
DGICB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -96.99   Max: 1154.76
Current: 509.11

-96.99
1154.76
Revenue Growth (%) 18.10
DGICB's Revenue Growth (%) is ranked higher than
94% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.20 vs. DGICB: 18.10 )
DGICB' s 10-Year Revenue Growth (%) Range
Min: -2.7   Max: 18.7
Current: 18.1

-2.7
18.7
EBITDA Growth (%) 49.40
DGICB's EBITDA Growth (%) is ranked higher than
96% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. DGICB: 49.40 )
DGICB' s 10-Year EBITDA Growth (%) Range
Min: -38.1   Max: 213
Current: 49.4

-38.1
213
EPS Growth (%) 41.30
DGICB's EPS Growth (%) is ranked higher than
96% of the 167 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. DGICB: 41.30 )
DGICB' s 10-Year EPS Growth (%) Range
Min: -72.9   Max: 44.2
Current: 41.3

-72.9
44.2
» DGICB's 10-Y Financials

Financials


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Equity & Asset
Oprt. Cash Flow & Free Cash Flow

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Ratios

vs
industry
vs
history
P/E(ttm) 18.50
DGICB's P/E(ttm) is ranked higher than
62% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.60 vs. DGICB: 18.50 )
DGICB' s 10-Year P/E(ttm) Range
Min: 4.3   Max: 983.13
Current: 18.5

4.3
983.13
P/B 1.00
DGICB's P/B is ranked higher than
83% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. DGICB: 1.00 )
DGICB' s 10-Year P/B Range
Min: 0.72   Max: 1.8
Current: 1

0.72
1.8
P/S 0.93
DGICB's P/S is ranked higher than
90% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.28 vs. DGICB: 0.93 )
DGICB' s 10-Year P/S Range
Min: 0.52   Max: 1.64
Current: 0.93

0.52
1.64
PFCF 9.20
DGICB's PFCF is ranked higher than
76% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.78 vs. DGICB: 9.20 )
DGICB' s 10-Year PFCF Range
Min: 4.7   Max: 25.76
Current: 9.2

4.7
25.76
EV-to-EBIT 18.40
DGICB's EV-to-EBIT is ranked higher than
59% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.26 vs. DGICB: 18.40 )
DGICB' s 10-Year EV-to-EBIT Range
Min: 1.2   Max: 856.3
Current: 18.4

1.2
856.3
Shiller P/E 18.30
DGICB's Shiller P/E is ranked higher than
76% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.98 vs. DGICB: 18.30 )
DGICB' s 10-Year Shiller P/E Range
Min: 1.21   Max: 20.48
Current: 18.3

1.21
20.48

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.88
DGICB's Dividend Yield is ranked higher than
69% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.45 vs. DGICB: 1.88 )
DGICB' s 10-Year Dividend Yield Range
Min: 1.42   Max: 4.13
Current: 1.88

1.42
4.13
Dividend Payout 0.50
DGICB's Dividend Payout is ranked higher than
54% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.04 vs. DGICB: 0.50 )
DGICB' s 10-Year Dividend Payout Range
Min: 0.04   Max: 10.5
Current: 0.5

0.04
10.5
Dividend growth (3y) 3.30
DGICB's Dividend growth (3y) is ranked higher than
67% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. DGICB: 3.30 )
DGICB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 32.7
Current: 3.3

0
32.7
Yield on cost (5-Year) 2.23
DGICB's Yield on cost (5-Year) is ranked higher than
70% of the 160 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. DGICB: 2.23 )
DGICB' s 10-Year Yield on cost (5-Year) Range
Min: 1.67   Max: 4.86
Current: 2.23

1.67
4.86
Share Buyback Rate 6.70
DGICB's Share Buyback Rate is ranked higher than
93% of the 155 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. DGICB: 6.70 )
DGICB' s 10-Year Share Buyback Rate Range
Min: 7.3   Max: -15
Current: 6.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
DGICB's Price/Tangible Book is ranked higher than
85% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.58 vs. DGICB: 1.60 )
DGICB' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 1.69
Current: 1.6

0.71
1.69
Price/DCF (Projected) 0.80
DGICB's Price/DCF (Projected) is ranked higher than
86% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. DGICB: 0.80 )
DGICB' s 10-Year Price/DCF (Projected) Range
Min: 0.15   Max: 0.93
Current: 0.8

0.15
0.93
Price/Median PS Value 1.10
DGICB's Price/Median PS Value is ranked higher than
94% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. DGICB: 1.10 )
DGICB' s 10-Year Price/Median PS Value Range
Min: 0.51   Max: 1.7
Current: 1.1

0.51
1.7
Price/Graham Number 1.60
DGICB's Price/Graham Number is ranked higher than
72% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.99 vs. DGICB: 1.60 )
DGICB' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 5.83
Current: 1.6

0.5
5.83
Earnings Yield (Greenblatt) 5.50
DGICB's Earnings Yield (Greenblatt) is ranked higher than
53% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. DGICB: 5.50 )
DGICB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 86.7
Current: 5.5

0.1
86.7
Forward Rate of Return (Yacktman) 6.67
DGICB's Forward Rate of Return (Yacktman) is ranked higher than
71% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.69 vs. DGICB: 6.67 )
DGICB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -27.9   Max: 130.8
Current: 6.67

-27.9
130.8

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare: » details
Donegal Group Inc is a Delaware Corporation. It is an insurance holding company whose insurance subsidiaries offer personal and commercial lines of property and casualty insurance to businesses and individuals in 22 Mid-Atlantic, Midwestern, New England and Southern states. The Company's insurance subsidiaries and Donegal Mutual provide 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. It has four segments: its investment portfolio, its personal lines of insurance , its commercial lines of insurance & and our investment in DFSC. The personal lines products of its insurance subsidiaries consist primarily of homeowners and private passenger automobile policies. The commercial lines products of its insurance subsidiaries consist primarily of commercial automobile, commercial multi-peril and workers' compensation policies. The Company is subject to regulation by the FRB under the holding company provisions of the federal Home Owners' Loan Act, or HOLA.
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