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Donegal Group Inc.

NASDAQ•DGICB
CEO: Mr. Kevin Gerard Burke
Sector: Financial Services
Industry: Insurance - Property & Casualty
Listing Date: 1986-10-29
Donegal Group Inc., an insurance holding company, provides property and casualty insurance to businesses and individuals. It operates through three segments: Investment Function, Personal Lines of Insurance, and Commercial Lines of Insurance. The company offers private passenger automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents, as well as protection against loss from damage to automobiles; and homeowners policies, which provide coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft, as well as liability of the insured arising from injury to other persons or their property. Donegal Group Inc. also offers commercial automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents and protection against loss from damage to automobiles owned by the insured; commercial multi-peril policies that provide protection to businesses against combining liability and physical damage coverages; and workers' compensation policies, which provide benefits to employees for injuries sustained during employment. The company markets its insurance products primarily to Mid-Atlantic, Midwestern, New England, Southern, and Southwestern regions through independent insurance agencies. Donegal Group Inc. was incorporated in 1986 and is based in Marietta, Pennsylvania. Donegal Group Inc. operates as a subsidiary of Donegal Mutual Insurance Company.
Contact Information
1195 River Road, P.O. Box 302, Marietta, PA, 17547-0302, United States
800-877-0600
www.donegalgroup.com
Market Cap
$730.84M
P/E (TTM)
6.9
10.2
Dividend Yield
4.1%
52W High
$20.46
52W Low
$13.84
52W Range
89%
Rank27Top 14.4%
5.4
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 5.4 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$240.14M+0.00%
4-Quarter Trend

EPS

$0.48+0.00%
4-Quarter Trend

FCF

$9.97M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Substantially Increased GAAP Net Income reached $79.341M in 2025, up from $50.862M in 2024, driven by better underwriting results.
Underwriting Profitability Improved GAAP Combined Ratio improved to 95.4% in 2025 from 98.6% in 2024, reflecting lower loss emergence across lines.
Investment Income Grew Net investment income increased 17.2% to $52.627M in 2025, due to higher average invested assets and yield.
Commercial Lines NPW Increased Commercial lines Net Premiums Written grew 2.9% to $563.991M in 2025, offsetting personal lines planned attrition.

Risk Factors

Increasing Loss Severity Risk Litigation trends and escalating repair costs may cause ultimate loss settlements to exceed established reserves for subsidiaries.
Catastrophe Event Exposure Unpredictable weather events like hurricanes and wildfires in operating regions could materially affect financial condition and liquidity.
Technology Modernization Delays System modernization projects involve significant cost and complexity; delays could impair underwriting and claims processing operations.
Low Common Stock Liquidity Limited liquidity subjects Class A and Class B common stock to greater price volatility, with low average daily trading volume.

Outlook

Focus on Organic Growth Strategy emphasizes profitable organic growth within current footprint; placing less emphasis on pursuing property and casualty acquisitions.
Systems Conversion Completion Expected Legacy systems conversion is ongoing, currently projecting full completion for policy renewal systems in 2027.
Expense Reduction Initiatives Continue Formal expense reduction initiatives will continue into 2026 to achieve targeted management goals and improve efficiency metrics.
Cloud Migration Planning Underway Detailed assessment completed for migrating Guidewire claims and billing systems to the cloud platform, starting in early 2026.

Peer Comparison

Revenue (TTM)

PRAA stock ticker logoPRAA
$1.24B
+10.4%
DGICB stock ticker logoDGICB
$978.38M
-1.1%
HRTG stock ticker logoHRTG
$847.33M
+2.2%

Gross Margin (Latest Quarter)

PRAA stock ticker logoPRAA
190.3%
+2.4pp
ACIC stock ticker logoACIC
88.5%
-0.0pp
GAIN stock ticker logoGAIN
82.4%
+0.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
HRTG$904.12M4.647.3%4.5%
PRAA$854.83M-2.8-27.3%0.6%
SMBC$757.47M11.212.0%2.9%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-0.7%
Flat Growth
4Q Net Income CAGR
-12.0%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 30, 2026
|
EPS:$0.45
|
Revenue:$247.83M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement
LTM
No Data