Donegal Group Inc.
DGICBFinancial ServicesNASDAQInsurance - Property & Casualty
Scan Results
Daily timeframeDonegal Group Inc., an insurance holding company, provides commercial and personal lines of property and casualty coverages. The $709.5M market capitalization puts DGICB squarely in small-cap range for its industry. It operates through three segments: Investment Function, Commercial Lines of Insurance, and Personal Lines of Insurance.
Market Cap
$709.5M
Beta
-0.01
P/E (TTM)
10.30
P/E (Fwd)
—
EPS (TTM)
$1.86
EPS (Fwd)
—
ROE
10.6%
ROA
2.1%
Cash
$61.5M
Total Debt
$35.0M
Free CF
$47.1M
52W Change
14.0%
Annual Financials
Cash vs Debt
Donegal Group Inc. holds $61.5M in cash against $35.0M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. The company generates $47.1M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. 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.
With a beta below 0.7, Donegal Group Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Donegal Group Inc.'s trajectory.