Donegal Group Inc (DGICA) Financials

DGICA

Trailing 12 months to June 30, 2026

Revenue $962.8M -3.1% YoY

Net Income $71.1M -14.2% YoY

EPS (Diluted) Not reported for the trailing 12 months

Operating Cash Flow $58.4M -25.9% YoY

Market Cap $677.1M as of Oct 5, 2026

Price / Sales 0.7x on $962.8M revenue, trailing 12 months to June 30, 2026

Price / Earnings 9.5x on $71.1M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $666.1M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 4, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the DGICA SEC filings page.

Donegal Group Inc (DGICA) reported $962.8M in revenue over the twelve months to Jun 30, 2026, down 3.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI DGICA FY2025 2026-10-03

Profitability recovered sharply while cash generation stayed near earnings and leverage eased through FY2025.

The profitability shift was broad: net margin rose from 0.5% in FY2023 to 8.1% in FY2025. ROA also moved from 0.2% to 3.3%, showing that the improvement reached the asset base rather than coming only from shareholder capital.

Revenue was essentially flat from FY2024 to FY2025, but net income rose from $50.9M to $79.3M; margin expansion, not volume growth, drove the earnings improvement. That matters because the business produced more profit without a larger top line.

The balance-sheet posture improved as debt-to-equity fell from 3.3x in FY2024 to 2.7x in FY2025, reducing the relative weight of liabilities. Meanwhile, cash conversion remained close: operating cash flow was $70.2M against net income of $79.3M, so reported profit was broadly accompanied by cash.

Financial Health Signals

Financial Health Score 37/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Donegal Group Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. Donegal Group Inc scores 51/100 on it among other insurers.

Premium Growth

Donegal Group Inc reported revenue of $978.0M in fiscal year 2025, against $989.6M in fiscal year 2024. Premium Growth ranks insurers on the three-year path of the premiums they write rather than on total revenue, and Donegal Group Inc scores 22/100 among other insurers.

Capital

Donegal Group Inc funded 26.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $640.4M of equity against $2.4B of assets. Capital ranks insurers on that cushion, and Donegal Group Inc scores 58/100 among other insurers.

Investment Yield

Not available for Donegal Group Inc, and counted as zero in the overall score.

Combined Ratio

Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. Donegal Group Inc scores 55/100 on it among other insurers.

Stability

Donegal Group Inc reported net income of $79.3M in fiscal year 2025, against $50.9M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and Donegal Group Inc scores 37/100 among other insurers.

Piotroski F-Score Partial

3/5

Donegal Group Inc passes 3 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 3 of 4 profitability signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.88x

For every $1 of reported earnings, Donegal Group Inc generates $0.88 in operating cash flow ($70.2M OCF vs $79.3M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$241.1M

YoY-2.4%

QoQ+2.2%

5Y CAGR+3.3%

10Y CAGR+3.6%

Donegal Group Inc generated $241.1M in revenue in Q2 2026. This represents a decrease of 2.4% from the same quarter a year earlier. Against the prior quarter it is up 2.2%.

Net Income

$22.3M

YoY+32.3%

QoQ+93.8%

5Y CAGR+6.7%

10Y CAGR+10.0%

Donegal Group Inc reported $22.3M in net income in Q2 2026. This represents an increase of 32.3% from the same quarter a year earlier. Against the prior quarter it is up 93.8%.

EBITDA

Not reported for Q2 2026.

EPS (Diluted)

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$23.7M

YoY-58.7%

QoQ-33.2%

5Y CAGR-23.1%

10Y CAGR-2.2%

Donegal Group Inc held $23.7M in cash as of Q2 2026; long-term debt is not reported for that period.

Free Cash Flow

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Shares Outstanding

Not reported for Q2 2026.

Margins & Returns

Net Margin

9.3%

YoY+2.4pp

QoQ+4.4pp

5Y change+1.4pp

10Y change+4.2pp

Donegal Group Inc's net profit margin was 9.3% in Q2 2026, showing the share of revenue converted to profit. This is up 2.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 4.4 percentage points.

Return on Equity

3.4%

YoY+0.6pp

QoQ+1.6pp

5Y change+0.4pp

10Y change+1.4pp

Donegal Group Inc's ROE was 3.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.6 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

None of these metrics is reported for Q2 2026.

DGICA Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

DGICA quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$962.8M	$978.0M-1.2%	$989.6M+6.7%	$927.3M+9.3%	$848.2M+3.9%	$816.5M+5.0%	$777.8M-4.3%	$812.5M+5.3%	$771.8M+4.4%	$739.0M+7.4%	$688.4M+8.2%	$636.4M+8.5%	$586.5M+7.2%	$547.1M+6.2%	$515.0M+8.4%	$475.0M
Interest Expense	$1.4M	$1.4M+42.8%	$946K+52.6%	$620K-0.1%	$621K-30.7%	$896K-25.1%	$1.2M-24.2%	$1.6M-31.4%	$2.3M+44.5%	$1.6M-3.9%	$1.7M+49.1%	$1.1M-26.7%	$1.5M-7.2%	$1.6M-30.7%	$2.4M+10.9%	$2.1M
Income Tax	$16.6M	$18.3M+59.0%	$11.5M+1698.9%	$638K+138.0%	-$1.7M-133.0%	$5.1M-51.4%	$10.5M+5.3%	$9.9M+164.2%	-$15.5M-409.6%	$5.0M-52.5%	$10.5M+59.5%	$6.6M+278.6%	$1.7M-72.7%	$6.4M+34.0%	$4.8M+166.3%	-$7.2M
Net Income	$71.1M	$79.3M+56.0%	$50.9M+1049.3%	$4.4M+325.9%	-$2.0M-107.8%	$25.3M-52.2%	$52.8M+12.0%	$47.2M+243.9%	-$32.8M-560.4%	$7.1M-76.9%	$30.8M+46.7%	$21.0M+44.4%	$14.5M-44.8%	$26.3M+14.0%	$23.1M+4998.2%	$453K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$241.1M-2.4%	$236.0M-3.7%	$239.8M-4.1%	$245.9M-2.3%	$247.1M+0.2%	$245.2M+1.7%	$250.0M+4.4%	$251.7M+7.6%
Interest Expense	$337K0.0%	$333K0.0%	$340K+26.4%	$340K-7.4%	$337K+117.8%	$333K+115.4%	$269K+72.7%	$368K+135.2%
Income Tax	$5.2M+47.3%	$2.6M-56.1%	$3.8M-33.5%	$5.0M+35.8%	$3.6M+313.9%	$6.0M+360.7%	$5.7M+1207.8%	$3.7M+1933.4%
Net Income	$22.3M+32.3%	$11.5M-54.3%	$17.2M-28.4%	$20.1M+19.9%	$16.9M+306.1%	$25.2M+323.2%	$24.0M+1318.3%	$16.8M+2180.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).

DGICA Balance Sheet

DGICA quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$2.4B+2.2%	$2.3B+3.1%	$2.3B+1.0%	$2.2B-0.5%	$2.3B+4.4%	$2.2B+12.3%	$1.9B+5.0%	$1.8B+5.4%	$1.7B+7.1%	$1.6B+5.5%	$1.5B+5.4%	$1.5B+5.3%	$1.4B+3.6%	$1.3B+3.6%	$1.3B
Cash & Equivalents	$26.8M-49.4%	$52.9M+122.5%	$23.8M-5.3%	$25.1M-56.5%	$57.7M-44.0%	$103.1M+109.0%	$49.3M-6.2%	$52.6M+39.0%	$37.8M+53.9%	$24.6M-12.6%	$28.1M-20.9%	$35.6M+28.7%	$27.6M+39.6%	$19.8M+49.5%	$13.2M
Short-Term Investments	$0	$0	$0	$0	$0-100.0%	$20.9M+49.0%	$14.0M-16.2%	$16.7M+51.6%	$11.0M+17.9%	$9.4M-30.2%	$13.4M-33.8%	$20.3M-79.6%	$99.7M+318.4%	$23.8M-41.1%	$40.5M
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$262K+45.0%	$181K	N/A	N/A	N/A	$1.2M	N/A	$1.5M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M
Total Liabilities	$1.7B-2.5%	$1.8B+0.2%	$1.8B+1.5%	$1.8B+2.1%	$1.7B+5.0%	$1.6B+11.6%	$1.5B+2.7%	$1.4B+11.2%	$1.3B+8.8%	$1.2B+4.9%	$1.1B+8.3%	$1.0B+5.5%	$988.5M+5.5%	$936.9M+3.3%	$907.3M
Total Equity	$640.4M+17.3%	$545.8M+13.8%	$479.7M-0.8%	$483.6M-8.9%	$531.0M+2.6%	$517.8M+14.8%	$451.0M+13.1%	$398.9M-11.1%	$448.7M+2.3%	$438.6M+7.4%	$408.4M-1.9%	$416.1M+4.9%	$396.9M-0.8%	$400.0M+4.3%	$383.5M
Retained Earnings	$297.7M+21.5%	$245.1M+12.6%	$217.8M-9.5%	$240.6M-8.8%	$263.7M+2.1%	$258.4M+15.7%	$223.3M+15.8%	$192.8M-18.6%	$236.9M-3.3%	$244.9M+7.0%	$229.0M+2.6%	$223.3M+0.2%	$222.9M+6.3%	$209.7M+5.0%	$199.6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$2.5B+3.1%	$2.4B+3.4%	$2.4B+2.2%	$2.4B+3.2%	$2.4B+3.1%	$2.4B+3.2%	$2.3B+3.1%	$2.3B+3.8%
Cash & Equivalents	$23.7M-58.7%	$35.5M-44.8%	$26.8M-49.4%	$38.6M+34.6%	$57.4M+137.1%	$64.3M+224.7%	$52.9M+122.5%	$28.7M+20.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%	$5.6M0.0%
Total Liabilities	$1.8B+0.8%	$1.8B+0.9%	$1.7B-2.5%	$1.8B-2.1%	$1.8B-2.6%	$1.8B-1.4%	$1.8B+0.2%	$1.8B+2.6%
Total Equity	$666.1M+10.0%	$649.1M+11.0%	$640.4M+17.3%	$627.4M+22.2%	$605.7M+25.1%	$584.7M+20.5%	$545.8M+13.8%	$513.4M+8.5%
Retained Earnings	$324.3M+15.6%	$309.1M+14.4%	$297.7M+21.5%	$293.8M+26.1%	$280.5M+26.3%	$270.2M+20.8%	$245.1M+12.6%	$233.0M+0.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

DGICA Cash Flow Statement

DGICA quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$58.4M	$70.2M+4.1%	$67.4M+135.6%	$28.6M-57.3%	$67.1M-12.5%	$76.7M-24.1%	$101.1M+32.4%	$76.4M+19.7%	$63.8M-21.3%	$81.0M+34.9%	$60.0M-12.0%	$68.2M+53.2%	$44.5M-3.2%	$46.0M+84.3%	$25.0M+18.4%	$21.1M
Depreciation & Amortization	N/A	$3.1M-20.6%	$3.9M-10.5%	$4.3M-10.6%	$4.8M-17.1%	$5.8M-13.1%	$6.7M+20.6%	$5.6M-15.7%	$6.6M+8.2%	$6.1M-7.2%	$6.6M-2.3%	$6.7M+91.3%	$3.5M+15.6%	$3.0M-22.8%	$4.0M-3.8%	$4.1M
Stock-Based Compensation	N/A	$1.0M+1.9%	$981K+11.9%	$877K+7.0%	$819K-15.2%	$966K-12.2%	$1.1M-21.4%	$1.4M-17.6%	$1.7M-15.0%	$2.0M-20.0%	$2.5M-3.8%	$2.6M+23.8%	$2.1M+250.5%	$599K	N/A	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$152K-92.9%	$2.1M+69.5%	$1.3M+68.6%	$744K+211.9%	$239K
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$68.0M+60.5%	$42.4M-5.3%	$44.8M+84.8%	$24.2M+16.2%	$20.8M
Investing Cash Flow	-$74.1M	-$91.1M-89.7%	-$48.0M-187.5%	-$16.7M+83.0%	-$98.5M-58.4%	-$62.2M+37.6%	-$99.7M-129.8%	-$43.4M-15.3%	-$37.6M+35.7%	-$58.4M-13.9%	-$51.3M	N/A	N/A	-$28.1M-490.0%	-$4.8M+84.7%	-$31.1M
Financing Cash Flow	-$18.0M	-$5.2M-153.5%	$9.7M+173.5%	-$13.2M-1006.1%	-$1.2M+98.0%	-$59.9M-214.5%	$52.3M+244.3%	-$36.3M-217.8%	-$11.4M-22.5%	-$9.3M+24.1%	-$12.3M	N/A	N/A	-$10.1M+26.0%	-$13.7M-296.9%	$6.9M
Dividends Paid	$26.8M	$25.7M+13.1%	$22.7M+3.7%	$21.9M+6.8%	$20.5M+7.3%	$19.1M+12.5%	$17.0M+5.5%	$16.1M+2.8%	$15.7M+5.6%	$14.8M+5.2%	$14.1M-2.6%	$14.5M+6.5%	$13.6M+6.0%	$12.8M+4.9%	$12.2M+2.8%	$11.9M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$28.1M+233765.6%	$12K-96.8%	$376K-80.5%	$1.9M+25.2%	$1.5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$5.9M-51.4%	$20.2M-21.7%	$10.0M-64.7%	$22.4M+75.4%	$12.1M-44.0%	$25.7M+434.4%	$28.2M+986.4%	$12.7M-1.8%
Depreciation & Amortization	$514K-43.7%	$857K-15.9%	$425K-57.3%	$717K-26.8%	$912K-2.0%	$1.0M+5.5%	$995K-10.4%	$980K-4.2%
Stock-Based Compensation	$323K+7.7%	$327K+10.1%	N/A	$296K+41.4%	$300K+7.8%	$297K+3.8%	N/A	$209K+15.0%
Investing Cash Flow	-$11.2M+40.3%	-$5.4M+63.7%	-$20.2M+20.1%	-$37.2M-451.6%	-$18.8M-54.8%	-$14.9M-290.9%	-$25.3M-2212.2%	-$6.7M+30.3%
Financing Cash Flow	-$6.5M-2761.5%	-$6.0M-1175.9%	-$1.5M-107.0%	-$4.0M-156.3%	-$226K+95.6%	$562K+111.3%	$21.4M+675.5%	-$1.6M+63.6%
Dividends Paid	$7.0M+8.5%	$6.7M+10.2%	$6.6M+14.1%	$6.6M+15.6%	$6.5M+14.4%	$6.0M+8.2%	$5.8M+4.0%	$5.7M+2.6%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Share Buybacks.

DGICA Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

DGICA quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	8.1%+3.0pp	5.1%+4.7pp	0.5%+0.7pp	-0.2%-3.3pp	3.1%-3.7pp	6.8%+1.0pp	5.8%+10.0pp	-4.2%-5.2pp	1.0%-3.5pp	4.5%+1.2pp	3.3%+0.8pp	2.5%-2.3pp	4.8%+0.3pp	4.5%+4.4pp	0.1%
Return on Equity	12.4%+3.1pp	9.3%+8.4pp	0.9%+1.3pp	-0.4%-5.2pp	4.8%-5.4pp	10.2%-0.3pp	10.4%+18.7pp	-8.2%-9.8pp	1.6%-5.4pp	7.0%+1.9pp	5.1%+1.7pp	3.5%-3.1pp	6.6%+0.9pp	5.8%+5.7pp	0.1%
Return on Assets	3.3%+1.1pp	2.2%+2.0pp	0.2%+0.3pp	-0.1%-1.2pp	1.1%-1.3pp	2.4%0.0pp	2.5%+4.2pp	-1.8%-2.2pp	0.4%-1.5pp	1.9%+0.5pp	1.4%+0.4pp	1.0%-0.9pp	1.9%+0.2pp	1.7%+1.7pp	0.0%
Debt-to-Equity	2.73-0.6x	3.28-0.4x	3.72+0.1x	3.64+0.4x	3.25+0.1x	3.17-0.1x	3.26-0.3x	3.59+0.7x	2.87+0.2x	2.70-0.1x	2.77+0.3x	2.510.0x	2.49+0.1x	2.340.0x	2.37
Asset Turnover	0.410.0x	0.420.0x	0.410.0x	0.380.0x	0.360.0x	0.36-0.1x	0.420.0x	0.420.0x	0.430.0x	0.420.0x	0.410.0x	0.400.0x	0.390.0x	0.390.0x	0.37
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	10.7%+3.5pp	7.2%-0.9pp	8.2%+3.5pp	4.7%+0.3pp	4.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	9.3%+2.4pp	4.9%-5.4pp	7.2%-2.4pp	8.2%+1.5pp	6.8%+5.1pp	10.3%+7.8pp	9.6%+10.4pp	6.7%+7.0pp
Return on Equity	3.4%+0.6pp	1.8%-2.5pp	2.7%-1.7pp	3.2%-0.1pp	2.8%+1.9pp	4.3%+3.1pp	4.4%+4.8pp	3.3%+3.4pp
Return on Assets	0.9%+0.2pp	0.5%-0.6pp	0.7%-0.3pp	0.8%+0.1pp	0.7%+0.5pp	1.1%+0.8pp	1.0%+1.1pp	0.7%+0.8pp
Debt-to-Equity	2.73-0.2x	2.77-0.3x	2.73-0.6x	2.86-0.7x	2.98-0.8x	3.05-0.7x	3.28-0.4x	3.57-0.2x
Asset Turnover	0.100.0x	0.100.0x	0.100.0x	0.100.0x	0.100.0x	0.100.0x	0.110.0x	0.110.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Donegal Group Inc DGICA	FY2025	$978.0M	$79.3M	8.1%	$677.1M	37/100
Donegal Group Inc DGICB	FY2025	$978.0M	$79.3M	8.1%	$618.0M	37/100
HERITAGE INSURANCE HOLDINGS INC HRTG	FY2025	$847.3M	$195.6M	23.1%	$1.0B	43/100
UNIVERSAL INSURANCE HLDG, INC. UVE	FY2025	$1.6B	$183.0M	11.4%	$1.2B	28/100
United Fire Group Inc. UFCS	FY2025	$1.4B	$118.2M	8.5%	$1.4B	41/100
American Coastal Insurance Corporation ACIC	FY2025	$335.4M	$106.8M	31.9%	$441.0M	57/100

Where Donegal Group Inc Ranks

Frequently Asked Questions

What is Donegal Group Inc's annual revenue?

Donegal Group Inc (DGICA) reported $978.0M in total revenue for fiscal year 2025. This represents a -1.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Donegal Group Inc's revenue growing?

Donegal Group Inc (DGICA) revenue declined by 1.2% year-over-year, from $989.6M to $978.0M in fiscal year 2025.

Is Donegal Group Inc profitable?

Yes, Donegal Group Inc (DGICA) reported a net income of $79.3M in fiscal year 2025, with a net profit margin of 8.1%.

What is Donegal Group Inc's net profit margin?

Donegal Group Inc (DGICA) had a net profit margin of 8.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Donegal Group Inc's return on equity (ROE)?

Donegal Group Inc (DGICA) has a return on equity of 12.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Donegal Group Inc's operating cash flow?

Donegal Group Inc (DGICA) generated $70.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Donegal Group Inc's total assets?

Donegal Group Inc (DGICA) had $2.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What is Donegal Group Inc's debt-to-equity ratio?

Donegal Group Inc (DGICA) had a debt-to-equity ratio of 2.73 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Donegal Group Inc's return on assets (ROA)?

Donegal Group Inc (DGICA) had a return on assets of 3.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Donegal Group Inc's P/E ratio?

Donegal Group Inc (DGICA) trades at 9.5x earnings, its market capitalization divided by net income of $71.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $677.1M as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Donegal Group Inc's price-to-sales ratio?

Donegal Group Inc (DGICA) trades at 0.7x sales, its market capitalization divided by revenue of $962.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $677.1M as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Donegal Group Inc's Piotroski F-Score?

Donegal Group Inc (DGICA) has a Piotroski F-Score of 3 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Donegal Group Inc's earnings high quality?

Donegal Group Inc (DGICA) has an earnings quality ratio of 0.88x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Donegal Group Inc?

Donegal Group Inc (DGICA) scores 37 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.