NAS:DGICA (USA)

Donegal Group Inc

$ 14.97 0.27 (1.84%)
Volume: 12,532 Avg Vol (1m): 18,776
Market Cap $: 415.61 Mil Enterprise Value $: 370.17 Mil
P/E (TTM): 57.60 P/B: 1.00
Earnings Power Value 2.25
Net Current Asset Value 0
Tangible Book 14.83
Projected FCF 33.55
Median P/S Value 19.33
Graham Number 9.31
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 5/10

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.
Current vs industry vs history
Cash-to-Debt 1.12
Cash-To-Debt ranked lower than
74.24% of 132 companies
in the Insurance - Property & Casualty industry.
Industry Max: 10000, Med: 2.82, Min: 0.01
DGICA: 1.12
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.02, Med: 0.25, Max: 1.12
Current: 1.12
0.02
1.12
Equity-to-Asset 0.23
Equity-to-Asset ranked higher than
53.79% of 132 companies
in the Insurance - Property & Casualty industry.
Industry Max: 0.95, Med: 0.25, Min: 0.03
DGICA: 0.23
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.22, Med: 0.3, Max: 0.42
Current: 0.23
0.22
0.42
Debt-to-Equity 0.09
Debt-to-Equity ranked higher than
62.65% of 83 companies
in the Insurance - Property & Casualty industry.
Industry Max: 15.91, Med: 9999, Min: 0.01
DGICA: 0.09
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.04, Med: 0.14, Max: 0.37
Current: 0.09
0.04
0.37
Debt-to-EBITDA 2.48
Debt-to-EBITDA ranked lower than
78.21% of 78 companies
in the Insurance - Property & Casualty industry.
Industry Max: 36.7, Med: 1.62, Min: 0.03
DGICA: 2.48
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: -148.15, Med: 1.9, Max: 4.07
Current: 2.48
-148.15
4.07
WACC vs ROIC %
ROIC 2.74%
WACC 5.7%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 1.06
Net Margin ranked lower than
79.70% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 94.29, Med: 6.25, Min: -370.67
DGICA: 1.06
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -4.26, Med: 3.06, Max: 4.87
Current: 1.06
-4.26
4.87
ROE % 2.02
ROE ranked lower than
78.20% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 55.81, Med: 8.75, Min: -77.05
DGICA: 2.02
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -7.73, Med: 4.31, Max: 7.27
Current: 2.02
-7.73
7.27
ROA % 0.46
ROA ranked lower than
79.70% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 17.69, Med: 2.09, Min: -17.18
DGICA: 0.46
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -1.84, Med: 1.25, Max: 2.07
Current: 0.46
-1.84
2.07
3-Year Total Revenue Growth Rate 6.50
3-Year Revenue Growth Rate ranked higher than
53.97% of 126 companies
in the Insurance - Property & Casualty industry.
Industry Max: 456.8, Med: 6.3, Min: -30.7
DGICA: 6.1
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -2.8, Med: 5.8, Max: 22.8
Current: 6.1
-2.8
22.8

» DGICA's 30-Y Financials

Financials (Next Earnings Date: 2019-07-31)

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Business Description

Industry Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS : 524126    SIC : 6331
Compare HKSE:00222 NYSE:HCI TPE:2850 NAS:NODK NYSE:HRTG HSTC:PVI BKK:AYUD NAS:GBLI SGX:U13 BKK:TIP XKRX:000400 XKRX:000540 XKRX:000370 NAS:PTVCB ISX:ABDA BKK:SMK XTAE:ZUR NAS:FNHC NAS:HALL XKLS:5237
Traded in other countries
Address 1195 River Road, P.O. Box 302, Marietta, PA, USA, 17547
Donegal Group Inc is an US-based insurance holding company which offers personal and commercial lines of property and casualty insurance to businesses and individuals. The company divides its business activities into investment function, personal lines of insurance which consist of homeowners; and private passenger automobile policies, commercial lines of insurance which consist of commercial automobile, commercial multi-peril, and workers. Its products include protection against automobile accidents, against loss from damage to automobiles, theft, coverage for damage to residences and their contents and other. The majority of the company's revenue comes in form of premium received.

Ratios

Current vs industry vs history
PE Ratio (TTM) 57.60
PE Ratio ranked lower than
93.75% of 112 companies
in the Insurance - Property & Casualty industry.
Industry Max: 1755, Med: 17.27, Min: 2.89
DGICA: 57.6
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 8.26, Med: 19.78, Max: 1573
Current: 57.6
8.26
1573
Forward PE Ratio 21.32
Forward P/E ranked lower than
53.33% of 45 companies
in the Insurance - Property & Casualty industry.
Industry Max: 123.46, Med: 14.79, Min: 7.05
DGICA: 21.32
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 57.60
PE without NRI ranked lower than
94.64% of 112 companies
in the Insurance - Property & Casualty industry.
Industry Max: 1755, Med: 17.6, Min: 2.89
DGICA: 57.6
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 8.26, Med: 19.78, Max: 1573
Current: 57.6
8.26
1573
Price-to-Owner-Earnings 5.38
Price-to-Owner-Earnings ranked higher than
88.10% of 84 companies
in the Insurance - Property & Casualty industry.
Industry Max: 3633.33, Med: 11.52, Min: 2.34
DGICA: 5.38
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 4.54, Med: 8.39, Max: 17.46
Current: 5.38
4.54
17.46
PB Ratio 1.00
PB Ratio ranked higher than
73.68% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 11.38, Med: 1.43, Min: 0.08
DGICA: 1
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.72, Med: 0.96, Max: 1.4
Current: 1
0.72
1.4
PS Ratio 0.53
PS Ratio ranked higher than
81.95% of 133 companies
in the Insurance - Property & Casualty industry.
Industry Max: 38.05, Med: 1.22, Min: 0.09
DGICA: 0.53
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.45, Med: 0.69, Max: 1.37
Current: 0.53
0.45
1.37
Price-to-Free-Cash-Flow 6.69
Price-to-Free-Cash-Flow ranked higher than
80.68% of 88 companies
in the Insurance - Property & Casualty industry.
Industry Max: 621.88, Med: 12.17, Min: 0.47
DGICA: 6.69
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 4.98, Med: 9.76, Max: 26.44
Current: 6.69
4.98
26.44
Price-to-Operating-Cash-Flow 6.68
Price-to-Operating-Cash-Flow ranked higher than
79.59% of 98 companies
in the Insurance - Property & Casualty industry.
Industry Max: 1058.33, Med: 10.59, Min: 0.46
DGICA: 6.68
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 4.95, Med: 9.54, Max: 26.44
Current: 6.68
4.95
26.44
EV-to-EBIT 38.72
EV-to-EBIT ranked lower than
85.84% of 113 companies
in the Insurance - Property & Casualty industry.
Industry Max: 322.99, Med: 12.73, Min: 0.38
DGICA: 38.72
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: -92.2, Med: 14.8, Max: 395.9
Current: 38.72
-92.2
395.9
EV-to-EBITDA 22.92
EV-to-EBITDA ranked lower than
80.17% of 116 companies
in the Insurance - Property & Casualty industry.
Industry Max: 182.88, Med: 11.2, Min: 0.33
DGICA: 22.92
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: -840.8, Med: 12.8, Max: 75.7
Current: 22.92
-840.8
75.7
EV-to-Revenue 0.46
EV-to-Revenue ranked higher than
75.78% of 128 companies
in the Insurance - Property & Casualty industry.
Industry Max: 27.81, Med: 1.19, Min: 0.01
DGICA: 0.46
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 0.4, Med: 0.7, Max: 1.3
Current: 0.46
0.4
1.3
Shiller PE Ratio 22.19
Shiller PE Ratio ranked higher than
60.87% of 69 companies
in the Insurance - Property & Casualty industry.
Industry Max: 433.84, Med: 20.4, Min: 7.01
DGICA: 22.19
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 9.91, Med: 14.05, Max: 24.24
Current: 22.19
9.91
24.24

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 3.82
Trailing Dividend Yield ranked higher than
61.86% of 194 companies
in the Insurance - Property & Casualty industry.
Industry Max: 15.15, Med: 2.98, Min: 0.09
DGICA: 3.82
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 2, Med: 3.43, Max: 4.51
Current: 3.82
2
4.51
Dividend Payout Ratio 2.19
Dividend Payout Ratio ranked lower than
88.06% of 134 companies
in the Insurance - Property & Casualty industry.
Industry Max: 4.8, Med: 0.32, Min: 0.02
DGICA: 2.19
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.52, Med: 0.78, Max: 47.5
Current: 2.19
0.52
47.5
3-Year Dividend Growth Rate (Per Share) 1.90
3-Year Dividend Growth Rate ranked lower than
70.89% of 79 companies
in the Insurance - Property & Casualty industry.
Industry Max: 128.9, Med: 8.6, Min: -100
DGICA: 1.9
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 2.2, Max: 16
Current: 1.9
0
16
Forward Dividend Yield % 3.95
Forward Dividend Yield ranked higher than
60.42% of 192 companies
in the Insurance - Property & Casualty industry.
Industry Max: 17.42, Med: 3.17, Min: 0.09
DGICA: 3.95
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 4.28
Yield-on-Cost (5y) ranked lower than
60.10% of 193 companies
in the Insurance - Property & Casualty industry.
Industry Max: 112.5, Med: 4.91, Min: 0.09
DGICA: 4.28
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 2.24, Med: 3.84, Max: 5.05
Current: 4.28
2.24
5.05
3-Year Share Buyback Rate -2.70
3-Year Share Buyback Rate ranked lower than
58.62% of 87 companies
in the Insurance - Property & Casualty industry.
Industry Max: 21.9, Med: -0.4, Min: -49.5
DGICA: -2.7
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -14.7, Med: -2.7, Max: -0.1
Current: -2.7
-14.7
-0.1

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.01
Price-to-Tangible-Book ranked higher than
79.07% of 129 companies
in the Insurance - Property & Casualty industry.
Industry Max: 32.5, Med: 1.7, Min: 0.08
DGICA: 1.01
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.69, Med: 1, Max: 1.68
Current: 1.01
0.69
1.68
Price-to-Projected-FCF 0.45
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
81.52% of 92 companies
in the Insurance - Property & Casualty industry.
Industry Max: 12.4, Med: 0.84, Min: 0.06
DGICA: 0.45
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.34, Med: 0.59, Max: 0.93
Current: 0.45
0.34
0.93
Price-to-Median-PS-Value 0.77
Price-to-Median-PS-Value ranked higher than
84.87% of 119 companies
in the Insurance - Property & Casualty industry.
Industry Max: 7.15, Med: 1.18, Min: 0.35
DGICA: 0.77
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.66, Med: 1.05, Max: 2.26
Current: 0.77
0.66
2.26
Price-to-Graham-Number 1.61
Price-to-Graham-Number ranked higher than
52.00% of 100 companies
in the Insurance - Property & Casualty industry.
Industry Max: 11.78, Med: 1.17, Min: 0.41
DGICA: 1.61
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.5, Med: 0.86, Max: 7.78
Current: 1.61
0.5
7.78
Earnings Yield (Joel Greenblatt) % 2.58
Earnings Yield (Greenblatt) ranked lower than
73.48% of 132 companies
in the Insurance - Property & Casualty industry.
Industry Max: 263.16, Med: 6.78, Min: -238.1
DGICA: 2.58
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: -12.3, Med: 6.3, Max: 15.7
Current: 2.58
-12.3
15.7
Forward Rate of Return (Yacktman) % 11.06
Forward Rate of Return ranked higher than
59.77% of 87 companies
in the Insurance - Property & Casualty industry.
Industry Max: 333.79, Med: 12.52, Min: -44.7
DGICA: 11.06
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: -11.8, Med: 7.4, Max: 31.6
Current: 11.06
-11.8
31.6

More Statistics

Revenue (TTM) (Mil) $ 795.65
EPS (TTM) $ 0.26
Beta 0.64
Volatility % 14.56
52-Week Range $ 12.42 - 15.08
Shares Outstanding (Mil) 28.48

Analyst Estimate

Piotroski F-Score Details