Donegal GroupDGICA -0.49%60 EV-to-FCF is 10.59 as of Jun. 25, 2026, which is 46% above its 10-year median of 7.26. GuruFocus rates DGICA with a GF Score™ of 60/100 and a GF Value™ of $14.11 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 391 Insurance companies, Donegal Group ranks worse than 56.01% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Donegal Group's Enterprise Value is $684.5 Mil.
Donegal Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $64.6 Mil. Therefore, Donegal Group's EV-to-FCF for today is 10.59.
The historical rank and industry rank for Donegal Group's EV-to-FCF or its related term are showing as below:
DGICA'
s EV-to-FCF Range Over the Past 10 Years
Min: 3.17 Med: 7.26 Max: 17.77
Current: 10.59
During the past 13 years, the highest EV-to-FCF of Donegal Group was 17.77. The lowest was 3.17. And the median was 7.26.
DGICA's EV-to-FCF is ranked worse than 56.01% of 391
companies
in the Insurance industry
Industry Median: 9.39
vs DGICA: 10.59
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Donegal Group's PE Ratio (TTM) for today is calculated as:
Donegal Group's share price for today is $18.18.
Donegal Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.790.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Donegal Group EV-to-FCF Related Terms
Donegal Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Donegal Group's EV-to-FCF 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.
For the Insurance - Property & Casualty subindustry, Donegal Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Donegal Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Donegal Group's EV-to-FCF falls into.
Donegal Group's current Enterprise Value is $684.5 Mil.
Donegal Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $64.6 Mil.
* 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 EV-to-FCF of 10.59 as of Jun. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Donegal Group and its competitors. This is 46% above median its historical median of 7.26. Over the past decade, Donegal Group's EV-to-FCF has ranged from 3.17 to 17.77. According to the industry distribution chart, Donegal Group ranks #219 out of 391 companies in the Insurance industry, placing it in the top 56%.
Is Donegal Group's EV-to-FCF too high?
Donegal Group's current EV-to-FCF of 10.59 is 46% above median its 10-year median of 7.26. Over the past 10 years, this metric has ranged from a low of 3.17 to a high of 17.77. The Insurance industry median EV-to-FCF is 9.39. Donegal Group's value of 10.59 is 12.8% above this industry median. Based on the distribution chart, Donegal Group ranks #219 out of 391 companies in the Insurance industry, which is below the industry midpoint. Overall, Donegal Group has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Donegal Group's EV-to-FCF compare to HRTG and HIPO?
According to the Insurance industry distribution chart, Donegal Group ranks #219 out of 391 companies for EV-to-FCF. This places Donegal Group in the lower half of its industry. The industry median EV-to-FCF is 9.39. Donegal Group's value of 10.59 is 12.8% above this benchmark. Historically, Donegal Group's own EV-to-FCF has ranged from 3.17 to 17.77 over the past decade. While the company's 10-year median is 7.26 vs. the industry median of 9.39, 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.39, based on 391 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Donegal Group's current EV-to-FCF of 10.59 is 12.8% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Donegal Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Donegal Group's current EV-to-FCF is 10.59, which is 46% above median its own 10-year median of 7.26. 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 Modestly Overvalued. The stock's GF Value™ is $14.11, compared to a current price of $18.18 — trading 28.8% above its estimated fair value. The current EV-to-FCF is 10.59, which is 46% above median its 10-year median of 7.26 and 12.8% above the Insurance industry median of 9.39. Donegal Group's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Donegal Group (DGICA), the current EV-to-FCF is 10.59 as of Jun. 25, 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 $18.18 is trading 28.8% above its estimated GF Value™ of $14.11.
GuruFocus considers Donegal Group to be Modestly Overvalued.
Key valuation signals for DGICA:
EV-to-FCF: 10.59 (46% above median its 10-year median of 7.26)
GF Value™: $14.11 vs. price of $18.18 (28.8% above fair value)
Industry Position: 12.8% above the Insurance median (#219 of 391)
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.
60GF Score
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