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Donegal Group Inc.

Donegal Group Inc.

NASDAQ•DGICA
CEO: Mr. Kevin Gerard Burke
セクター: Financial Services
業種: Insurance - Property & Casualty
上場日: 2003-07-03
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.
連絡先情報
1195 River Road, P.O. Box 302, Marietta, PA, 17547-0302, United States
800-877-0600
www.donegalgroup.com
時価総額
$668.78M
PER (TTM)
6.6
12.1
配当利回り
3.9%
52週高値
$21.12
52週安値
$15.05
52週レンジ
60%
順位27Top 14.4%
5.4
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 5.4 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q3 2025 データ

売上高

$245.92M-2.31%
直近4四半期の推移

EPS

$0.56+12.00%
直近4四半期の推移

フリーCF

$22.35M+75.44%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Q3 Net Income Jumps Q3 Net Income reached $20.1M, marking a strong 19.8% increase compared to $16.8M last year.
Underwriting Profitability Improves Nine months GAAP combined ratio improved to 95.1% versus 100.6% previously, showing better underwriting results.
Operating Cash Flow Strong Net cash provided by operating activities totaled $60.2M for nine months, significantly exceeding prior period's $39.2M.
Class A EPS Rises Class A common stock diluted EPS was $0.55 for the quarter, up from $0.51 in the prior year period.

リスク要因

Claims Severity Uncertainty Increasing claims severity and lengthening settlement periods cause uncertainty in ultimate loss reserve estimates.
Adverse Litigation Trends Adverse litigation trends and increasing plaintiff attorney utilization could materially increase loss costs, impacting reserves.
Weather Event Exposure Severe weather events and natural disasters pose risks, requiring high reinsurance retentions for property losses.
Reinsurance Credit Risk Credit risk exists regarding reinsurance receivables; allowance established based on reinsurer credit standing review.

見通し

Exiting Non-Core Farm Business Exiting non-core farm policies starting Q2 2026 due to modernization costs exceeding projected investment returns.
Capital Allocation Decisions Board declared quarterly dividends of $0.1825 per Class A share and $0.165 per Class B share.
Systems Modernization Costs Allocated costs from systems modernization peaked in 2024; expected to gradually subside over future years.
Tax Legislation Unlikely Impact Expect no material financial impact from the recently enacted One Big Beautiful Bill Act of 2025.

同業比較

売上高 (TTM)

Tiptree Inc.TIPT
$2.05B
+2.9%
Universal Insurance Holdings, Inc.UVE
$1.58B
+4.6%
United Fire Group, Inc.UFCS
$1.39B
+10.8%

粗利益率 (最新四半期)

Fidus Investment CorporationFDUS
76.7%
-0.8pp
Business First Bancshares, Inc.BFST
63.9%
+8.6pp
American Coastal Insurance CorporationACIC
60.1%
-0.0pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
UFCS$1.00B8.813.5%0.0%
UVE$874.28M7.128.0%3.3%
BFST$863.29M9.810.2%6.7%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-0.5%
横ばい
4四半期純利益CAGR
-5.8%
収益性の低下
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年2月19日
|
EPS:$0.53
|
売上高:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月4日|
    売上高: $245.92M-2.3%
    |
    EPS: $0.56+12.0%
    予想を上回る
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月5日|
    売上高: $247.15M+0.2%
    |
    EPS: $0.47+261.5%
    予想を上回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月6日|
    売上高: $245.17M+1.7%
    |
    EPS: $0.71+294.4%
    予想通り
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月10日|
    売上高: $989.61M+6.7%
    |
    EPS: $1.54+1000.0%
    予想を上回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月6日|
    売上高: $251.74M+7.6%
    |
    EPS: $0.50-2600.0%
    予想を上回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月7日|
    売上高: $246.77M+7.7%
    |
    EPS: $0.13+116.7%
    予想を上回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月3日|
    売上高: $241.14M+7.3%
    |
    EPS: $0.18+12.5%
    予想を下回る
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月6日|
    売上高: $927.34M+9.3%
    |
    EPS: $0.14+328.4%
    予想を下回る