Donegal Insurance/$DGICB
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About Donegal Insurance
Donegal Group Inc is an insurance holding company that offers businesses and individuals personal and commercial lines of property and casualty insurance. The company's reportable segments are its Investment function, Personal lines of insurance, and Commercial lines of insurance. Personal lines products consist mainly of homeowners and private passenger automobile policies. The Commercial lines products of its insurance subsidiaries consist mainly of commercial automobile, commercial multi-peril, and workers' compensation policies. The group mainly operates in the United States.
Ticker
$DGICB
Sector
Primary listing
Employees
-
Headquarters
Website
DGICB Metrics
BasicAdvanced
$676M
6.35
$2.34
-0.02
$0.64
4.44%
Price and volume
Market cap
$676M
Beta
-0.02
52-week high
$20.46
52-week low
$13.84
Average daily volume
1.5K
Dividend rate
$0.64
Financial strength
Current ratio
0.513
Quick ratio
0.16
Long term debt to equity
5.779
Total debt to equity
5.779
Dividend payout ratio (TTM)
28.95%
Interest coverage (TTM)
78.78%
Profitability
EBITDA (TTM)
106.985
Gross margin (TTM)
10.55%
Net profit margin (TTM)
8.34%
Operating margin (TTM)
10.36%
Effective tax rate (TTM)
18.53%
Management effectiveness
Return on assets (TTM)
2.71%
Return on equity (TTM)
15.20%
Valuation
Price to earnings (TTM)
6.345
Price to revenue (TTM)
0.524
Price to book
1.11
Price to tangible book (TTM)
1.11
Price to free cash flow (TTM)
6.606
Free cash flow yield (TTM)
15.14%
Free cash flow per share (TTM)
2.251
Dividend yield (TTM)
4.30%
Forward dividend yield
4.44%
Growth
Revenue change (TTM)
3.36%
Earnings per share change (TTM)
965.80%
3-year revenue growth (CAGR)
6.38%
10-year revenue growth (CAGR)
4.94%
3-year earnings per share growth (CAGR)
176.40%
10-year earnings per share growth (CAGR)
9.32%
3-year dividend per share growth (CAGR)
3.30%
10-year dividend per share growth (CAGR)
2.83%
Bulls say / Bears say
Underwriting Discipline: Donegal’s first-quarter 2025 GAAP combined ratio improved to 91.6% from 102.4% in Q1 2024, driven by lower weather-related and large fire losses and favorable reserve development, underscoring strong underwriting execution (Investing.com).
Net Income Momentum: The company’s net income surged to $25.2 million in Q1 2025 (up 323% year-over-year) and $16.9 million in Q2 2025 (up 306% year-over-year), highlighting robust profitability growth across both quarters (Investing.com, Investing.com).
Capital and Credit Strength: A.M. Best affirmed Donegal Insurance Group’s Financial Strength Rating of A (Excellent) and issuer credit rating of “a”, reflecting very strong balance sheet strength and appropriate enterprise risk management (StreetInsider.com).
Top-line Pressure: Net premiums earned in Q2 2025 declined 1.1% to $231.8 million, driven by a 15.3% drop in personal lines net premiums written, signaling challenges in sustaining growth in personal insurance products (GlobeNewswire).
Catastrophe Exposure: Weather-related losses totaled $25.8 million in Q2 2025, representing 11.1 percentage points of the loss ratio—above the five-year quarterly average—highlighting earnings volatility from natural disaster events (GlobeNewswire).
Personal Lines Attrition Impact: Donegal intentionally reduced personal lines exposure, with Q1 2025 personal lines net premiums written down 9.9% year-over-year due to non-renewals and planned attrition, which may constrain future volume growth despite improving margins (Donegal investor release).
Data summarised monthly by Lightyear AI. Last updated on 9 Oct 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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FAQs
What’s the current market cap for Donegal Insurance stock?
Donegal Insurance (DGICB) has a market cap of $676M as of October 20, 2025.
What is the P/E ratio for Donegal Insurance stock?
The price to earnings (P/E) ratio for Donegal Insurance (DGICB) stock is 6.35 as of October 20, 2025.
Does Donegal Insurance stock pay dividends?
Yes, the Donegal Insurance (DGICB) stock pays dividends to shareholders. As of October 20, 2025, the dividend rate is $0.64 and the yield is 4.44%. Donegal Insurance has a payout ratio of 28.95% on a trailing twelve-month basis.
When is the next Donegal Insurance dividend payment date?
The next Donegal Insurance (DGICB) dividend payment is scheduled for November 17, 2025.
What is the beta indicator for Donegal Insurance?
Donegal Insurance (DGICB) has a beta rating of -0.02. This means that it has an inverse relation to market volatility.