Donegal Insurance/$DGICB
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Donegal Insurance
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.
- Ticker
- $DGICB
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- -
- Headquarters
- Marietta, United States
- Website
- www.donegalgroup.com
DGICB Metrics
BasicAdvanced
$761M
15.35
$1.84
-0.05
$0.68
2.47%
Price and volume
Market cap
$761M
Beta
-0.05
52-week high
$29.99
52-week low
$15.10
Average daily volume
2.7K
Dividend rate
$0.68
Financial strength
Current ratio
0.506
Quick ratio
0.157
Long term debt to equity
0.053
Total debt to equity
0.053
Dividend payout ratio (TTM)
39.51%
Interest coverage (TTM)
63.55%
Profitability
EBITDA (TTM)
87.994
Gross margin (TTM)
9.16%
Net profit margin (TTM)
7.24%
Operating margin (TTM)
9.01%
Effective tax rate (TTM)
18.32%
Management effectiveness
Return on assets (TTM)
2.20%
Return on equity (TTM)
10.73%
Valuation
Price to earnings (TTM)
15.346
Price to revenue (TTM)
1.097
Price to book
1.15
Price to tangible book (TTM)
1.15
Price to free cash flow (TTM)
20.552
Free cash flow yield (TTM)
4.87%
Free cash flow per share (TTM)
1.376
Dividend yield (TTM)
2.40%
Forward dividend yield
2.47%
Growth
Revenue change (TTM)
-3.33%
Earnings per share change (TTM)
-22.56%
3-year revenue growth (CAGR)
1.57%
10-year revenue growth (CAGR)
3.53%
3-year earnings per share growth (CAGR)
83.24%
10-year earnings per share growth (CAGR)
6.29%
3-year dividend per share growth (CAGR)
3.83%
10-year dividend per share growth (CAGR)
3.24%
Bulls say / Bears say
Underwriting remains profitable: the third-quarter combined ratio was 96.5%, and it stayed below 100% for the first nine months, despite a slight year-on-year deterioration. This gives Donegal a profitable base while it works through a softer market. (SEC)
Investment income is becoming a stronger earnings support. It rose 13% in the first nine months of 2026 as higher yields and larger average invested assets lifted returns. (SEC)
New commercial business is gaining traction: third-quarter new business volume rose 11%, with most of it in targeted classes management expects to be more profitable. Higher quote volumes across many of its small-business agencies could help restore growth over time. (Investing.com)
The premium base is shrinking amid lower retention, smaller renewal increases and intense competition. Third-quarter net premiums earned fell 3% and net premiums written fell 4.5% year on year. (SEC)
Earnings and returns have weakened: nine-month net income fell 16.4%, while the third-quarter annualised return on equity declined to 10.9% from 13.0%. The quarterly expense ratio also rose to 34.8% from 33.5%, partly because premiums were lower. (SEC)
Commercial underwriting is under strain, particularly in workers’ compensation: its third-quarter statutory combined ratio reached 128.1%, and the overall commercial-lines ratio was 100.7%. Management also cited unusually severe workers’ compensation claims and higher casualty loss severity. (SEC, Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 10 Nov 2026.
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