Donegal Group Inc.
DGICAFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned May 30, 2026
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Daily timeframeDonegal Group Inc., an insurance holding company, provides commercial and personal lines of property and casualty coverages. At a $628.7M market cap, Donegal Group Inc. ranks as a small-cap company within financial services. It operates through three segments: Investment Function, Commercial Lines of Insurance, and Personal Lines of Insurance.
Market Cap
$628.7M
Beta
-0.01
P/E (TTM)
9.53
P/E (Fwd)
9.05
EPS (TTM)
$1.78
EPS (Fwd)
$1.88
ROE
10.6%
ROA
2.1%
Cash
$61.5M
Total Debt
$35.0M
Free CF
$47.1M
52W Change
-16.7%
Annual Financials
Cash vs Debt
With $61.5M in cash and $35.0M in debt, DGICA maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Annual free cash flow of $47.1M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of 10.6% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 2.1% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $848.2M to $978.0M.
The relatively low beta of -0.01 suggests DGICA is a less volatile holding compared to the broader index. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing DGICA.