DGICA

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Donegal Group, Inc.

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Key Metrics

Previous Close: $18.51
52-Week Range: $16.11 – $21.06
Market Cap: $693.02M
P/E (TTM): 9.72
EPS (TTM): 1.92
Dividend Yield: 4.16%

Advanced Metrics

Price/Book: 1.04
PEG Ratio: 1.38
Return on Equity: 11.18%
Return on Assets: 2.28%
Gross Margin: 9.40%
Operating Margin: 11.56%
Profit Margin: 7.38%
Current Ratio: 0.51
Debt/Equity: 0.05
Total Debt: $35.00M
Free Cash Flow: $41.86M
Revenue Growth: -2.40%
Earnings Growth: 30.30%
Enterprise Value: $671.83M

DGICA Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$848.22M	$927.34M	$989.61M	$978.01M
Pretax Income	-$3.64M	$5.06M	$62.34M	$97.59M
Income Tax	-$1.68M	$637.97K	$11.48M	$18.25M
Net Income	-$1.96M	$4.43M	$50.86M	$79.34M
Diluted EPS	-0.06	0.11	1.53	2.18
Diluted Shares	32.11M	33.14M	33.82M	36.82M

DGICA Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$25.12M	$23.79M	$52.93M	$26.79M
Receivables	$638.88M	$632.53M	$610.28M	$586.71M
Total Assets	$2.24B	$2.27B	$2.34B	$2.39B
Total Debt	$35.00M	$35.00M	$35.00M	$35.00M
Total Liabilities	$1.76B	$1.79B	$1.79B	$1.75B
Retained Earnings	$240.56M	$217.79M	$245.14M	$297.73M
Shareholders' Equity	$483.59M	$479.75M	$545.78M	$640.42M
Net Debt	$9.88M	$11.21M	—	$8.21M

DGICA Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$67.11M	$28.62M	$67.44M	$70.20M
Capital Expenditure	—	-$44.70K	—	-$425.00
Free Cash Flow	$67.11M	$28.58M	$67.44M	$70.20M
Depreciation & Amortisation	$4.84M	$4.33M	$3.87M	$3.08M
Investing Cash Flow	-$98.50M	-$16.71M	-$48.04M	-$91.13M
Financing Cash Flow	-$1.20M	-$13.25M	$9.73M	-$5.21M
Dividends Paid	-$20.50M	-$21.89M	-$22.70M	-$25.67M
Net Change in Cash	-$32.59M	-$1.33M	$29.13M	-$26.14M

DGICA Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$247.15M	$245.92M	$240.14M	$236.00M	—
Pretax Income	$20.42M	$25.05M	$20.96M	$14.12M	—
Income Tax	$3.56M	$4.97M	$3.77M	$2.61M	—
Net Income	$16.87M	$20.08M	$17.19M	$11.51M	—
Diluted EPS	0.46	0.55	0.47	0.31	0.60
Diluted Shares	36.91M	37.02M	37.34M	37.50M	37.47M

DGICA Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$64.32M	$57.44M	$38.57M	$26.79M	$35.50M
Receivables	$600.28M	$625.90M	$609.71M	$586.71M	$622.07M
Total Assets	$2.37B	$2.41B	$2.42B	$2.39B	$2.45B
Total Debt	$35.00M	$35.00M	$35.00M	$35.00M	$35.00M
Total Liabilities	$1.78B	$1.80B	$1.79B	$1.75B	$1.80B
Retained Earnings	$270.17M	$280.47M	$293.80M	$297.73M	$309.08M
Shareholders' Equity	$584.72M	$605.67M	$627.44M	$640.42M	$649.09M
Net Debt	—	—	—	$8.21M	—

DGICA Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$25.75M	$12.13M	$22.35M	$9.97M	$20.17M
Capital Expenditure	-$100.00	—	-$2.00	-$323.00	—
Free Cash Flow	$25.75M	$12.13M	$22.35M	$9.97M	$20.17M
Depreciation & Amortisation	$1.02M	$912.48K	$717.30K	$425.30K	$857.40K
Investing Cash Flow	-$14.92M	-$18.78M	-$37.18M	-$20.25M	-$5.41M
Financing Cash Flow	$561.77K	-$225.72K	-$4.04M	-$1.50M	-$6.04M
Dividends Paid	-$6.04M	-$6.49M	-$6.56M	-$6.59M	-$6.66M
Net Change in Cash	$11.39M	-$6.88M	-$18.87M	-$11.79M	$8.72M

Market Snapshot

About

Donegal Group, Inc. Class A shares represent voting common stock in a regional insurance holding company operating primarily in the Mid-Atlantic and Southern United States. The company provides personal and commercial property-casualty insurance through independent insurance agents. Donegal's insurance subsidiaries offer automobile, homeowners, commercial multi-peril, and workers' compensation coverage. The company operates through multiple regional insurance companies and maintains an A.M. Best rating reflecting its financial strength and claims-paying ability.