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Donegal Group (DGICA) Financials

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$20.05 -0.39 (-1.91%)
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Annual Income Statements for Donegal Group

Annual Income Statements for Donegal Group

This table shows Donegal Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 51 4.43 -1.96
Consolidated Net Income / (Loss)		 51 4.43 -1.96
Net Income / (Loss) Continuing Operations		 51 4.43 -1.96
Total Pre-Tax Income 		62 5.06 -3.64
Total Revenue		 989 927 848
Net Interest Income / (Expense)		 -0.95 -0.62 -0.62
Total Interest Income		 0.00 0.00 0.00
Total Interest Expense		 0.95 0.62 0.62
Long-Term Debt Interest Expense		 0.95 0.62 0.62
Total Non-Interest Income		 990 927 848
Other Service Charges		 2.74 0.89 1.52
Net Realized & Unrealized Capital Gains on Investments		 50 44 24
Premiums Earned		 937 882 822
Other Non-Interest Income		 0.31 0.35 0.38
Total Non-Interest Expense		 926 922 851
Property & Liability Insurance Claims		 604 609 564
Insurance Policy Acquisition Costs		 159 157 143
Other Operating Expenses		 2.56 1.20 1.24
Amortization Expense		 160 154 142
Income Tax Expense		 11 0.64 -1.68
Basic Earnings per Share		 $2.91 $0.25 ($0.13)
Weighted Average Basic Shares Outstanding		 35.64M 33.39M 32.74M
Diluted Earnings per Share		 $2.91 $0.25 ($0.13)
Weighted Average Diluted Shares Outstanding		 35.64M 33.39M 32.74M
Weighted Average Basic & Diluted Shares Outstanding		 35.64M 33.39M 32.74M

Quarterly Income Statements for Donegal Group

This table shows Donegal Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 24 17 4.15 5.96 -1.97 -0.81 2.00 5.20 3.48 -10
Consolidated Net Income / (Loss)		 24 17 4.15 5.96 -1.97 -0.81 2.00 5.20 3.48 -10
Net Income / (Loss) Continuing Operations		 24 17 4.15 5.96 -1.97 -0.81 2.00 5.20 3.48 -10
Total Pre-Tax Income 		30 20 5.01 7.25 -2.48 -1.00 2.25 6.30 4.08 -13
Total Revenue		 250 251 247 241 239 234 229 225 223 213
Net Interest Income / (Expense)		 -0.27 -0.37 -0.15 -0.15 -0.16 -0.16 -0.15 -0.15 -0.16 -0.07
Total Interest Expense		 0.27 0.37 0.15 0.15 0.16 0.16 0.15 0.15 0.16 0.07
Long-Term Debt Interest Expense		 0.27 0.37 0.15 0.15 0.16 0.16 0.15 0.15 0.16 0.07
Total Non-Interest Income		 250 252 247 241 239 234 229 225 223 213
Other Service Charges		 0.94 1.00 0.58 0.22 0.25 0.16 0.19 0.31 0.35 0.41
Net Realized & Unrealized Capital Gains on Investments		 12 13 12 13 13 9.29 13 9.12 10 6.21
Premiums Earned		 237 238 234 228 226 224 216 215 213 206
Other Non-Interest Income		 0.08 0.08 0.08 0.08 0.08 0.09 0.09 0.09 0.09 0.09
Total Non-Interest Expense		 220 231 242 234 242 235 227 218 219 226
Property & Liability Insurance Claims		 141 146 165 151 163 157 151 138 149 156
Insurance Policy Acquisition Costs		 38 43 35 43 39 39 37 42 33 35
Other Operating Expenses		 0.25 1.50 0.37 0.44 0.23 0.21 0.32 0.44 0.25 0.22
Amortization Expense		 40 40 41 40 39 39 38 38 38 36
Income Tax Expense		 5.66 3.66 0.86 1.29 -0.51 -0.20 0.26 1.09 0.60 -2.99
Basic Earnings per Share		 $1.36 $0.97 $0.24 $0.34 ($0.13) ($0.04) $0.11 $0.31 $0.18 ($0.63)
Weighted Average Basic Shares Outstanding		 35.64M 33.90M 33.48M 33.39M 33.39M 33.25M 33.14M 32.92M 32.74M 32.47M
Diluted Earnings per Share		 $1.36 $0.97 $0.24 $0.34 ($0.13) ($0.04) $0.11 $0.31 $0.18 ($0.63)
Weighted Average Diluted Shares Outstanding		 35.64M 33.90M 33.48M 33.39M 33.39M 33.25M 33.14M 32.92M 32.74M 32.47M
Weighted Average Basic & Diluted Shares Outstanding		 35.64M 33.90M 33.48M 33.39M 33.39M 33.25M 33.14M 32.92M 32.74M 32.47M

Annual Cash Flow Statements for Donegal Group

This table details how cash moves in and out of Donegal Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 29 -1.33 -33
Net Cash From Operating Activities		 67 29 67
Net Cash From Continuing Operating Activities		 67 29 67
Net Income / (Loss) Continuing Operations		 51 4.43 -1.96
Consolidated Net Income / (Loss)		 51 4.43 -1.96
Depreciation Expense		 3.87 4.33 4.84
Non-Cash Adjustments to Reconcile Net Income		 -4.98 -3.17 10
Changes in Operating Assets and Liabilities, net		 18 23 54
Net Cash From Investing Activities		 -48 -17 -98
Net Cash From Continuing Investing Activities		 -48 -17 -98
Purchase of Investment Securities		 -205 -156 -287
Sale and/or Maturity of Investments		 157 139 189
Net Cash From Financing Activities		 9.73 -13 -1.20
Net Cash From Continuing Financing Activities		 9.73 -13 -1.20
Issuance of Common Equity		 32 8.65 19
Payment of Dividends		 -23 -22 -21

Quarterly Cash Flow Statements for Donegal Group

This table details how cash moves in and out of Donegal Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 24 4.43 4.42 -3.99 0.07 -1.03 1.91 -2.29 -1.54 4.85
Net Cash From Operating Activities		 28 13 22 4.82 2.60 13 14 -0.68 17 15
Net Cash From Continuing Operating Activities		 28 13 22 4.82 2.60 13 14 -0.68 17 15
Net Income / (Loss) Continuing Operations		 24 17 4.15 5.96 -1.97 -0.81 2.00 5.20 3.48 -10
Consolidated Net Income / (Loss)		 24 17 4.15 5.96 -1.97 -0.81 2.00 5.20 3.48 -10
Depreciation Expense		 1.00 0.98 0.93 0.97 1.11 1.02 1.07 1.12 1.09 1.14
Non-Cash Adjustments to Reconcile Net Income		 -0.26 -1.88 -0.74 -2.11 -2.24 1.24 -2.50 0.33 14 -12
Changes in Operating Assets and Liabilities, net		 3.46 -3.12 17 0.01 5.70 12 13 -7.34 -1.24 36
Net Cash From Investing Activities		 -25 -6.74 -12 -3.82 1.20 -9.67 -9.65 1.41 -17 -7.95
Net Cash From Continuing Investing Activities		 -25 -6.74 -12 -3.82 1.20 -9.67 -9.65 1.41 -17 -7.95
Purchase of Investment Securities		 -57 -49 -54 -46 5.75 -69 -42 -50 -81 -46
Sale and/or Maturity of Investments		 32 42 42 42 -4.55 60 32 51 63 38
Net Cash From Financing Activities		 21 -1.58 -5.13 -4.99 -3.72 -4.33 -2.18 -3.02 -1.30 -2.11
Net Cash From Continuing Financing Activities		 21 -1.58 -5.13 -4.99 -3.72 -4.33 -2.18 -3.02 -1.30 -2.11
Issuance of Common Equity		 27 4.10 0.54 0.59 1.83 1.20 3.32 2.29 3.96 3.13
Payment of Dividends		 -5.77 -5.68 -5.67 -5.58 -5.55 -5.54 -5.50 -5.30 -5.26 -5.24

Annual Balance Sheets for Donegal Group

This table presents Donegal Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 2,336 2,266 2,243
Cash and Due from Banks		 53 24 25
Trading Account Securities		 1,360 1,295 1,247
Loans and Leases, Net of Allowance		 0.00 0.00 0.00
Accrued Investment Income		 10 9.95 8.86
Customer and Other Receivables		 0.02 1.50 0.00
Premises and Equipment, Net		 2.48 2.63 2.76
Unearned Premiums Asset		 778 790 791
Deferred Acquisition Cost		 73 75 73
Goodwill		 5.63 5.63 5.63
Intangible Assets		 0.96 0.96 0.96
Other Assets		 43 60 89
Total Liabilities & Shareholders' Equity		 2,336 2,266 2,243
Total Liabilities		 1,790 1,787 1,760
Short-Term Debt		 35 35 35
Other Short-Term Payables		 2.92 9.52 9.52
Claims and Claim Expense		 1,121 1,126 1,121
Unearned Premiums Liability		 612 599 578
Other Long-Term Liabilities		 19 16 17
Total Equity & Noncontrolling Interests		 546 480 484
Total Preferred & Common Equity		 546 480 484
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 546 480 484
Common Stock		 370 336 326
Retained Earnings		 245 218 241
Treasury Stock		 -41 -41 -41
Accumulated Other Comprehensive Income / (Loss)		 -28 -33 -42

Quarterly Balance Sheets for Donegal Group

This table presents Donegal Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 2,346 2,335 2,294 2,260 2,289 2,279 2,237
Cash and Due from Banks		 29 24 20 24 25 23 27
Trading Account Securities		 1,353 1,327 1,313 1,286 1,285 1,278 1,244
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 11 10 10 10 9.45 10 9.82
Customer and Other Receivables		 0.00 0.00 0.03 0.00 0.00 2.48 3.27
Premises and Equipment, Net		 2.52 2.56 2.59 2.67 2.72 2.76 2.80
Unearned Premiums Asset		 814 831 808 800 821 821 799
Deferred Acquisition Cost		 78 81 79 78 79 77 74
Goodwill		 5.63 5.63 5.63 5.63 5.63 5.63 5.63
Intangible Assets		 0.96 0.96 0.96 0.96 0.96 0.96 0.96
Other Assets		 35 43 46 53 55 58 70
Total Liabilities & Shareholders' Equity		 2,346 2,335 2,294 2,260 2,289 2,279 2,237
Total Liabilities		 1,833 1,851 1,809 1,787 1,803 1,785 1,756
Short-Term Debt		 35 35 35 35 35 35 35
Other Short-Term Payables		 2.99 3.51 3.69 4.11 4.53 4.69 4.31
Claims and Claim Expense		 1,135 1,147 1,124 1,113 1,123 1,124 1,108
Unearned Premiums Liability		 647 654 634 617 624 610 595
Other Long-Term Liabilities		 13 12 12 7.45 6.86 12 13
Total Equity & Noncontrolling Interests		 513 484 485 473 486 494 481
Total Preferred & Common Equity		 513 484 485 473 486 494 481
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 513 484 485 473 486 494 481
Common Stock		 343 338 337 334 332 329 322
Retained Earnings		 233 222 224 231 240 244 248
Treasury Stock		 -41 -41 -41 -41 -41 -41 -41
Accumulated Other Comprehensive Income / (Loss)		 -21 -35 -34 -50 -45 -38 -47

Annual Metrics And Ratios for Donegal Group

This table displays calculated financial ratios and metrics derived from Donegal Group's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 6.68% 9.33% 3.93%
EBITDA Growth		 605.14% 680.24% -96.67%
EBIT Growth		 1,131.15% 239.18% -111.99%
NOPAT Growth		 1,049.30% 273.78% -110.08%
Net Income Growth		 1,049.30% 325.86% -107.76%
EPS Growth		 1,064.00% 292.31% -108.28%
Operating Cash Flow Growth		 135.61% -57.35% -12.54%
Free Cash Flow Firm Growth		 -283.35% -81.57% -32.98%
Invested Capital Growth		 12.83% -0.74% -8.38%
Revenue Q/Q Growth		 1.06% 1.77% 1.57%
EBITDA Q/Q Growth		 93.72% -40.82% -69.63%
EBIT Q/Q Growth		 106.48% -56.19% -221.97%
NOPAT Q/Q Growth		 104.35% -55.18% -202.83%
Net Income Q/Q Growth		 104.35% -55.18% -1,078.02%
EPS Q/Q Growth		 104.93% -55.36% 0.00%
Operating Cash Flow Q/Q Growth		 61.21% -33.80% -1.55%
Free Cash Flow Firm Q/Q Growth		 -0.18% -53.36% -19.96%
Invested Capital Q/Q Growth		 5.91% 1.26% 0.46%
Profitability Metrics		 - - -
EBITDA Margin		 6.70% 1.01% 0.14%
EBIT Margin		 6.31% 0.55% -0.43%
Profit (Net Income) Margin		 5.14% 0.48% -0.23%
Tax Burden Percent		 81.59% 87.40% 53.86%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 18.41% 12.60% 0.00%
Return on Invested Capital (ROIC)		 9.29% 0.86% -0.47%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.29% 0.86% 1.21%
Return on Net Nonoperating Assets (RNNOA)		 0.63% 0.06% 0.08%
Return on Equity (ROE)		 9.92% 0.92% -0.39%
Cash Return on Invested Capital (CROIC)		 -2.77% 1.60% 8.28%
Operating Return on Assets (OROA)		 2.71% 0.22% -0.16%
Return on Assets (ROA)		 2.21% 0.20% -0.09%
Return on Common Equity (ROCE)		 9.92% 0.92% -0.39%
Return on Equity Simple (ROE_SIMPLE)		 9.32% 0.92% -0.41%
Net Operating Profit after Tax (NOPAT)		 51 4.43 -2.55
NOPAT Margin		 5.14% 0.48% -0.30%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% -1.68%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 93.69% 99.45% 100.43%
Earnings before Interest and Taxes (EBIT)		 62 5.06 -3.64
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 66 9.39 1.20
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.95 0.91 0.86
Price to Tangible Book Value (P/TBV)		 0.96 0.93 0.87
Price to Revenue (P/Rev)		 0.52 0.47 0.49
Price to Earnings (P/E)		 10.19 99.08 0.00
Dividend Yield		 4.50% 5.12% 5.12%
Earnings Yield		 9.81% 1.01% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.86 0.87 0.82
Enterprise Value to Revenue (EV/Rev)		 0.51 0.49 0.50
Enterprise Value to EBITDA (EV/EBITDA)		 7.56 47.89 353.16
Enterprise Value to EBIT (EV/EBIT)		 8.03 88.81 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 9.84 101.61 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.42 15.71 6.33
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 54.36 9.47
Leverage & Solvency		 - - -
Debt to Equity		 0.06 0.07 0.07
Long-Term Debt to Equity		 0.00 0.00 0.00
Financial Leverage		 0.07 0.07 0.07
Leverage Ratio		 4.49 4.68 4.43
Compound Leverage Factor		 4.49 4.68 4.43
Debt to Total Capital		 6.03% 6.80% 6.75%
Short-Term Debt to Total Capital		 6.03% 6.80% 6.75%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 93.97% 93.20% 93.25%
Debt to EBITDA		 0.53 3.73 29.08
Net Debt to EBITDA		 -0.27 1.19 8.21
Long-Term Debt to EBITDA		 0.00 0.00 0.00
Debt to NOPAT		 0.69 7.91 -13.74
Net Debt to NOPAT		 -0.35 2.53 -3.88
Long-Term Debt to NOPAT		 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -15 8.27 45
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -16.03 13.35 72.35
Operating Cash Flow to Interest Expense		 71.29 46.18 108.14
Operating Cash Flow Less CapEx to Interest Expense		 71.29 46.18 108.14
Efficiency Ratios		 - - -
Asset Turnover		 0.43 0.41 0.38
Fixed Asset Turnover		 386.75 343.96 296.78
Capital & Investment Metrics		 - - -
Invested Capital		 581 515 519
Invested Capital Turnover		 1.80 1.79 1.56
Increase / (Decrease) in Invested Capital		 66 -3.85 -47
Enterprise Value (EV)		 500 450 425
Market Capitalization		 518 438 415
Book Value per Share		 $16.10 $14.43 $14.89
Tangible Book Value per Share		 $15.91 $14.23 $14.69
Total Capital		 581 515 519
Total Debt		 35 35 35
Total Long-Term Debt		 0.00 0.00 0.00
Net Debt		 -18 11 9.88
Capital Expenditures (CapEx)		 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 -0.59
Net Nonoperating Obligations (NNO)		 35 35 35
Total Depreciation and Amortization (D&A)		 3.87 4.33 4.84
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.91 $0.25 ($0.13)
Adjusted Weighted Average Basic Shares Outstanding		 35.64M 33.39M 32.74M
Adjusted Diluted Earnings per Share		 $2.91 $0.25 ($0.13)
Adjusted Weighted Average Diluted Shares Outstanding		 35.64M 33.39M 32.74M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 35.64M 33.39M 32.74M
Normalized Net Operating Profit after Tax (NOPAT)		 51 4.43 -2.55
Normalized NOPAT Margin		 5.14% 0.48% -0.30%
Pre Tax Income Margin		 6.31% 0.55% -0.43%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 65.90 8.17 -5.86
NOPAT to Interest Expense		 53.76 7.14 -4.10
EBIT Less CapEx to Interest Expense		 65.90 8.17 -5.86
NOPAT Less CapEx to Interest Expense		 53.76 7.14 -4.10
Payout Ratios		 - - -
Dividend Payout Ratio		 44.63% 494.72% -1,046.37%
Augmented Payout Ratio		 44.63% 494.72% -1,046.37%

Quarterly Metrics And Ratios for Donegal Group

This table displays calculated financial ratios and metrics derived from Donegal Group's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 4.33% 7.53% 7.67% 7.30% 7.21% 9.84% 12.24% 8.25% 6.25% 4.90%
EBITDA Growth		 2,337.34% 114,347.65% 78.87% 10.73% -126.84% 100.15% 135.67% -57.77% -35.08% -68.37%
EBIT Growth		 1,295.51% 2,131.15% 122.43% 15.12% -161.84% 92.44% 121.30% -61.20% -38.46% -54.09%
NOPAT Growth		 1,481.78% 2,481.37% 107.91% 14.45% -149.93% 92.48% 126.97% -60.41% -34.01% -54.92%
Net Income Growth		 1,318.26% 2,180.16% 107.91% 14.45% -156.63% 92.24% 124.34% -60.41% -34.01% -54.59%
EPS Growth		 1,146.15% 2,525.00% 118.18% 9.68% -172.22% 93.65% 122.00% -62.20% -41.94% -50.00%
Operating Cash Flow Growth		 986.45% -1.79% 57.83% 807.79% -84.92% -12.99% -3.54% -103.28% -5.79% 2,196.14%
Free Cash Flow Firm Growth		 -2,091.31% -425.11% -77.56% -59.81% -95.86% -84.95% -21.56% 55.35% 8.32% 219.39%
Invested Capital Growth		 12.83% 7.87% -0.41% -1.60% -0.74% -1.52% -4.74% -5.49% -8.38% -9.93%
Revenue Q/Q Growth		 -0.67% 1.93% 2.34% 0.70% 2.37% 2.07% 1.98% 0.62% 4.88% 4.30%
EBITDA Q/Q Growth		 43.34% 259.93% -27.66% 699.45% -7,432.27% -99.44% -55.21% 45.29% 142.01% -30.49%
EBIT Q/Q Growth		 45.34% 307.21% -30.85% 392.09% -146.94% -144.59% -64.21% 56.92% 130.17% -25.70%
NOPAT Q/Q Growth		 43.28% 303.38% -30.27% 442.85% -146.94% -135.22% -61.61% 49.56% 137.18% -26.37%
Net Income Q/Q Growth		 43.28% 303.38% -30.27% 402.28% -144.66% -140.32% -61.61% 49.56% 133.53% -26.42%
EPS Q/Q Growth		 40.21% 304.17% -29.41% 361.54% -225.00% -136.36% -64.52% 72.22% 128.57% -26.00%
Operating Cash Flow Q/Q Growth		 121.35% -41.23% 349.96% 85.62% -79.99% -5.55% 2,117.80% -103.96% 15.43% 4.71%
Free Cash Flow Firm Q/Q Growth		 -80.54% -471.25% -56.55% 583.75% -70.52% -74.37% -22.20% -29.49% 7.04% 33.56%
Invested Capital Q/Q Growth		 5.91% 5.64% -0.19% 1.04% 1.26% -2.47% -1.39% 1.92% 0.46% -5.65%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 12.28% 8.51% 2.41% 3.41% -0.57% 0.01% 1.45% 3.30% 2.29% -5.71%
EBIT Margin		 11.88% 8.12% 2.03% 3.01% -1.04% -0.43% 0.98% 2.80% 1.80% -6.25%
Profit (Net Income) Margin		 9.61% 6.66% 1.68% 2.47% -0.82% -0.34% 0.87% 2.32% 1.56% -4.88%
Tax Burden Percent		 80.91% 82.07% 82.85% 82.16% 79.40% 80.14% 88.64% 82.64% 85.19% 77.61%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 101.78% 100.54%
Effective Tax Rate		 19.09% 17.93% 17.15% 17.84% 0.00% 0.00% 11.36% 17.36% 14.81% 0.00%
Return on Invested Capital (ROIC)		 17.35% 12.34% 3.11% 4.45% -1.30% -0.53% 1.45% 3.68% 2.44% -6.74%
ROIC Less NNEP Spread (ROIC-NNEP)		 17.35% 12.34% 3.11% 4.45% -1.97% -0.83% 1.45% 3.68% 2.44% -9.64%
Return on Net Nonoperating Assets (RNNOA)		 1.18% 0.88% 0.22% 0.32% -0.14% -0.06% 0.10% 0.25% 0.17% -0.66%
Return on Equity (ROE)		 18.54% 13.21% 3.33% 4.76% -1.44% -0.60% 1.56% 3.94% 2.60% -7.40%
Cash Return on Invested Capital (CROIC)		 -2.77% -2.87% 1.82% 2.60% 1.60% 3.46% 4.76% 3.90% 8.28% 10.30%
Operating Return on Assets (OROA)		 5.10% 3.45% 0.84% 1.24% -0.43% -0.17% 0.39% 1.07% 0.68% -2.32%
Return on Assets (ROA)		 4.13% 2.83% 0.70% 1.02% -0.34% -0.14% 0.34% 0.89% 0.59% -1.81%
Return on Common Equity (ROCE)		 18.54% 13.21% 3.33% 4.76% -1.44% -0.60% 1.56% 3.94% 2.60% -7.40%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 4.85% 1.51% 1.07% 0.00% 2.09% 0.06% -2.01% 0.00% -0.03%
Net Operating Profit after Tax (NOPAT)		 24 17 4.15 5.96 -1.74 -0.70 2.00 5.20 3.48 -9.36
NOPAT Margin		 9.61% 6.66% 1.68% 2.47% -0.73% -0.30% 0.87% 2.32% 1.56% -4.40%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.67% 0.29% 0.00% 0.00% 0.00% 2.91%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 88.12% 91.88% 97.97% 96.99% 101.04% 100.43% 99.02% 97.20% 98.20% 106.25%
Earnings before Interest and Taxes (EBIT)		 30 20 5.01 7.25 -2.48 -1.00 2.25 6.30 4.01 -13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 31 21 5.94 8.22 -1.37 0.02 3.32 7.42 5.11 -12
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.95 0.95 0.88 0.95 0.91 0.94 0.92 0.94 0.86 0.83
Price to Tangible Book Value (P/TBV)		 0.96 0.96 0.89 0.96 0.93 0.95 0.93 0.96 0.87 0.84
Price to Revenue (P/Rev)		 0.52 0.50 0.44 0.49 0.47 0.49 0.50 0.54 0.49 0.48
Price to Earnings (P/E)		 10.19 19.60 57.97 88.98 99.08 45.09 1,471.04 0.00 0.00 0.00
Dividend Yield		 4.50% 4.70% 5.36% 4.93% 5.12% 4.99% 4.89% 4.64% 5.12% 5.29%
Earnings Yield		 9.81% 5.10% 1.73% 1.12% 1.01% 2.22% 0.07% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.86 0.90 0.84 0.92 0.87 0.90 0.88 0.90 0.82 0.79
Enterprise Value to Revenue (EV/Rev)		 0.51 0.51 0.45 0.50 0.49 0.50 0.51 0.55 0.50 0.49
Enterprise Value to EBITDA (EV/EBITDA)		 7.56 14.46 34.03 46.72 47.89 28.77 124.05 0.00 353.16 102.36
Enterprise Value to EBIT (EV/EBIT)		 8.03 16.37 49.67 79.11 88.81 39.50 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 9.84 19.86 59.44 91.92 101.61 46.23 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.42 11.82 10.36 13.95 15.71 10.56 10.14 10.47 6.33 5.95
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 46.12 34.86 54.36 25.74 18.01 22.55 9.47 7.23
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.06 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07
Leverage Ratio		 4.49 4.67 4.77 4.67 4.68 4.71 4.55 4.44 4.43 4.40
Compound Leverage Factor		 4.49 4.67 4.77 4.67 4.68 4.71 4.55 4.44 4.51 4.43
Debt to Total Capital		 6.03% 6.38% 6.74% 6.73% 6.80% 6.89% 6.72% 6.62% 6.75% 6.78%
Short-Term Debt to Total Capital		 6.03% 6.38% 6.74% 6.73% 6.80% 6.89% 6.72% 6.62% 6.75% 6.78%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 93.97% 93.62% 93.26% 93.27% 93.20% 93.11% 93.28% 93.38% 93.25% 93.22%
Debt to EBITDA		 0.53 1.02 2.73 3.44 3.73 2.21 9.48 -3.91 29.08 8.83
Net Debt to EBITDA		 -0.27 0.19 0.84 1.49 1.19 0.71 2.78 -1.36 8.21 2.10
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.69 1.41 4.77 6.76 7.91 3.54 -68.00 -3.69 -13.74 -41.62
Net Debt to NOPAT		 -0.35 0.26 1.47 2.93 2.53 1.14 -19.92 -1.28 -3.88 -9.92
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -42 -23 6.27 14 2.11 7.16 28 36 51 48
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -156.09 -63.33 40.56 93.35 13.54 45.81 180.67 234.75 325.65 665.99
Operating Cash Flow to Interest Expense		 104.74 34.66 140.24 31.17 16.65 82.99 88.83 -4.45 110.06 208.74
Operating Cash Flow Less CapEx to Interest Expense		 104.74 34.66 140.24 31.17 16.65 82.99 88.83 -4.45 110.06 208.74
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.43 0.42 0.42 0.41 0.41 0.41 0.39 0.38 0.38 0.37
Fixed Asset Turnover		 386.75 376.94 364.50 352.48 343.96 332.85 320.19 306.52 296.78 273.71
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 581 548 519 520 515 508 521 529 519 516
Invested Capital Turnover		 1.80 1.85 1.85 1.80 1.79 1.78 1.67 1.59 1.56 1.53
Increase / (Decrease) in Invested Capital		 66 40 -2.12 -8.48 -3.85 -7.86 -26 -31 -47 -57
Enterprise Value (EV)		 500 494 436 476 450 457 458 478 425 406
Market Capitalization		 518 488 425 461 438 445 448 466 415 397
Book Value per Share		 $16.10 $15.33 $14.50 $14.53 $14.43 $14.28 $14.77 $15.08 $14.89 $14.89
Tangible Book Value per Share		 $15.91 $15.14 $14.30 $14.33 $14.23 $14.08 $14.57 $14.87 $14.69 $14.68
Total Capital		 581 548 519 520 515 508 521 529 519 516
Total Debt		 35 35 35 35 35 35 35 35 35 35
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -18 6.35 11 15 11 11 10 12 9.88 8.34
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.23 0.10 0.00 0.00 0.00 1.02
Net Nonoperating Obligations (NNO)		 35 35 35 35 35 35 35 35 35 35
Total Depreciation and Amortization (D&A)		 1.00 0.98 0.93 0.97 1.11 1.02 1.07 1.12 1.09 1.14
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.36 $0.97 $0.24 $0.34 ($0.13) ($0.04) $0.11 $0.31 $0.18 ($0.63)
Adjusted Weighted Average Basic Shares Outstanding		 35.64M 33.90M 33.48M 33.39M 33.39M 33.25M 33.14M 32.92M 32.74M 32.47M
Adjusted Diluted Earnings per Share		 $1.36 $0.97 $0.24 $0.34 ($0.13) ($0.04) $0.11 $0.31 $0.18 ($0.63)
Adjusted Weighted Average Diluted Shares Outstanding		 35.64M 33.90M 33.48M 33.39M 33.39M 33.25M 33.14M 32.92M 32.74M 32.47M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 35.64M 33.90M 33.48M 33.39M 33.39M 33.25M 33.14M 32.92M 32.74M 32.47M
Normalized Net Operating Profit after Tax (NOPAT)		 24 17 4.15 5.96 -1.74 -0.70 2.00 5.20 3.48 -9.36
Normalized NOPAT Margin		 9.61% 6.66% 1.68% 2.47% -0.73% -0.30% 0.87% 2.32% 1.56% -4.40%
Pre Tax Income Margin		 11.88% 8.12% 2.03% 3.01% -1.04% -0.43% 0.98% 2.80% 1.83% -6.28%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 110.18 55.53 32.42 46.89 -15.92 -6.43 14.57 41.16 25.66 -186.17
NOPAT to Interest Expense		 89.14 45.57 26.86 38.52 -11.14 -4.50 12.92 34.02 22.25 -131.02
EBIT Less CapEx to Interest Expense		 110.18 55.53 32.42 46.89 -15.92 -6.43 14.57 41.16 25.66 -186.17
NOPAT Less CapEx to Interest Expense		 89.14 45.57 26.86 38.52 -11.14 -4.50 12.92 34.02 22.25 -131.02
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 44.63% 90.33% 304.66% 428.17% 494.72% 218.72% 6,998.13% -210.95% -1,046.37% -12,119.49%
Augmented Payout Ratio		 44.63% 90.33% 304.66% 428.17% 494.72% 218.72% 6,998.13% -210.95% -1,046.37% -12,119.49%

Frequently Asked Questions About Donegal Group's Financials

When does Donegal Group's fiscal year end?

According to the most recent income statement we have on file, Donegal Group's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Donegal Group's net income changed over the last 2 years?

Donegal Group's net income appears to be on an upward trend, with a most recent value of $50.86 million in 2024, falling from -$1.96 million in 2022. The previous period was $4.43 million in 2023. Check out Donegal Group's forecast to explore projected trends and price targets.

How has Donegal Group revenue changed over the last 2 years?

Over the last 2 years, Donegal Group's total revenue changed from $847.60 million in 2022 to $988.66 million in 2024, a change of 16.6%.

How much debt does Donegal Group have?

Donegal Group's total liabilities were at $1.79 billion at the end of 2024, a 0.2% increase from 2023, and a 1.7% increase since 2022.

How much cash does Donegal Group have?

In the past 2 years, Donegal Group's cash and equivalents has ranged from $23.79 million in 2023 to $52.93 million in 2024, and is currently $52.93 million as of their latest financial filing in 2024.

How has Donegal Group's book value per share changed over the last 2 years?

Over the last 2 years, Donegal Group's book value per share changed from 14.89 in 2022 to 16.10 in 2024, a change of 8.1%.


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This page (NASDAQ:DGICA) was last updated on 5/22/2025 by MarketBeat.com Staff
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