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Donegal GroupDGICA +0.31%63 Equity-to-Asset is 0.27 as of Jun. 2026, which is 17% above its 10-year median of 0.23. GuruFocus rates DGICA with a GF Score™ of 63/100 and a GF Value™ of $18.62 (Fairly Valued). The stock has 5 warning signs investors should review. Among 500 Insurance companies, Donegal Group ranks better than 52.8% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Donegal Group's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $666.1 Mil. Donegal Group's Total Assets for the quarter that ended in Jun. 2026 was $2,482.1 Mil.
Therefore, Donegal Group's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.27.
The historical rank and industry rank for Donegal Group's Equity-to-Asset or its related term are showing as below:
DGICA'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.21 Med: 0.23 Max: 0.27
Current: 0.27
During the past 13 years, the highest Equity to Asset Ratio of Donegal Group was 0.27. The lowest was 0.21. And the median was 0.23.
DGICA's Equity-to-Asset is ranked better than 52.8% of 500
companies
in the Insurance industry
Industry Median: 0.26
vs DGICA: 0.27
Donegal Group (NAS:DGICA) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Donegal Group Equity-to-Asset Related Terms
Donegal Group Equity-to-Asset Historical Data
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The historical data trend for Donegal Group's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
DGICA vs HIPO, ROOT, AII: Equity-to-Asset Comparison
For the Insurance - Property & Casualty subindustry, Donegal Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Donegal Group Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Donegal Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Donegal Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Donegal Group's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Donegal Group (DGICA) has a Equity-to-Asset of 0.27 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Donegal Group and its competitors. This is 17% above median its historical median of 0.23. Over the past decade, Donegal Group's Equity-to-Asset has ranged from 0.21 to 0.27. According to the industry distribution chart, Donegal Group ranks #236 out of 500 companies in the Insurance industry, placing it in the top 47.2%.
Is Donegal Group's Equity-to-Asset too high?
Donegal Group's current Equity-to-Asset of 0.27 is 17% above median its 10-year median of 0.23. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 0.27. The Insurance industry median Equity-to-Asset is 0.26. Donegal Group's value of 0.27 is 3.8% above this industry median. Based on the distribution chart, Donegal Group ranks #236 out of 500 companies in the Insurance industry, which is above the industry midpoint. Overall, Donegal Group has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Donegal Group's Equity-to-Asset compare to HIPO and ROOT?
According to the Insurance industry distribution chart, Donegal Group ranks #236 out of 500 companies for Equity-to-Asset. This puts Donegal Group in the upper half of its industry. The industry median Equity-to-Asset is 0.26. Donegal Group's value of 0.27 is 3.8% above this benchmark. Historically, Donegal Group's own Equity-to-Asset has ranged from 0.21 to 0.27 over the past decade. While the company's 10-year median is 0.23 vs. the industry median of 0.26, Donegal Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Donegal Group's current Equity-to-Asset of 0.27 is 3.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Donegal Group and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Donegal Group's current Equity-to-Asset is 0.27, which is 17% above median its own 10-year median of 0.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Donegal Group stock overvalued right now?
Based on GuruFocus' analysis, Donegal Group (DGICA) is currently considered Fairly Valued. The stock's GF Value™ is $18.62, compared to a current price of $19.42 — trading 4.3% above its estimated fair value. The current Equity-to-Asset is 0.27, which is 17% above median its 10-year median of 0.23 and 3.8% above the Insurance industry median of 0.26. Donegal Group's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Donegal Group (DGICA), the current Equity-to-Asset is 0.27 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Donegal Group (DGICA) Overvalued in 2026?
Based on GuruFocus' analysis, Donegal Group stock appears to be overvalued.
The current stock price of $19.42 is trading 4.3% above its estimated GF Value™ of $18.62.
GuruFocus considers Donegal Group to be Fairly Valued.
Key valuation signals for DGICA:
Equity-to-Asset: 0.27 (17% above median its 10-year median of 0.23)
GF Value™: $18.62 vs. price of $19.42 (4.3% above fair value)
Industry Position: 3.8% above the Insurance median (#236 of 500)
No single metric tells the full story. See the DGICA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Donegal Group Inc is an insurance holding company whose insurance subsidiaries and affiliates offer property and casualty insurance in 21 Mid-Atlantic, Midwestern, Southern, and Southwestern states. It includes three segments: Investments Function, Commercial Lines of Insurance, and Personal Lines of Insurance. The majority of revenue is from the commercial Lines segment. The commercial Lines segment consists mainly of commercial automobile, commercial multi-peril, and workers' compensation policies.
63GF Score
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