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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Donegal Group's 10-Year RORE % for the quarter that ended in Mar. 2026 was 47.49%.
The industry rank for Donegal Group's 10-Year RORE % or its related term are showing as below:
DGICA's 10-Year RORE % is ranked better than 90.55% of 381
companies
in the Insurance industry
Industry Median: 12.82
vs DGICA: 47.49
Donegal Group (NAS:DGICA) 10-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Donegal Group 10-Year RORE % Related Terms
Donegal Group 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for Donegal Group's 10-Year RORE % 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, HRTG, ROOT: 10-Year RORE % Comparison
For the Insurance - Property & Casualty subindustry, Donegal Group's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Donegal Group's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where Donegal Group's 10-Year RORE % falls into.
* 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.
In the calculation of 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.
Donegal Group (DGICA) has a 10-Year RORE % of 47.49 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Donegal Group and its competitors. According to the industry distribution chart, Donegal Group ranks #36 out of 381 companies in the Insurance industry, placing it in the top 9.4%.
Is Donegal Group's 10-Year RORE % too high?
Donegal Group's current 10-Year RORE % is 47.49. The Insurance industry median 10-Year RORE % is 12.82. Donegal Group's value of 47.49 is 270.4% above this industry median. Based on the distribution chart, Donegal Group ranks #36 out of 381 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Donegal Group has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Donegal Group's 10-Year RORE % compare to HIPO and HRTG?
According to the Insurance industry distribution chart, Donegal Group ranks #36 out of 381 companies for 10-Year RORE %. This places Donegal Group in the top 9% of its industry — outperforming the majority of peers. The industry median 10-Year RORE % is 12.82. Donegal Group's value of 47.49 is 270.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for an Insurance company?
The median 10-Year RORE % among Insurance companies is 12.82, based on 381 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Donegal Group's current 10-Year RORE % of 47.49 is 270.4% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Donegal Group and its competitors. For the Insurance industry, the median 10-Year RORE % is 12.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Donegal Group's current 10-Year RORE % is 47.49. 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 Significantly Overvalued. The stock's GF Value™ is $14.07, compared to a current price of $18.46 — trading 31.2% above its estimated fair value. The current 10-Year RORE % is 47.49 and 270.4% above the Insurance industry median of 12.82. Donegal Group's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Donegal Group (DGICA), the current 10-Year RORE % is 47.49 as of Mar. 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 $18.46 is trading 31.2% above its estimated GF Value™ of $14.07.
GuruFocus considers Donegal Group to be Significantly Overvalued.
Key valuation signals for DGICA:
10-Year RORE %: 47.49
GF Value™: $14.07 vs. price of $18.46 (31.2% above fair value)
Industry Position: 270.4% above the Insurance median (#36 of 381)
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.
64GF Score
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