DGICA
VENTE TOTALE: 24 750 titres (~478 081,80 $ US)
- Insiders
- HUBER BARRY CRAIG, BIXENMAN DENNIS JOSEPH, KING DAVID CHARLES
- Total bought
- —
- Total sold
- $478,082
- Last activity
- 2026-09-03
- Last synced
-
2026-09-09 09:58:02
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-09-09
DGICA displays genuinely strong fundamental momentum — improved margins, low debt, and solid interest coverage — but the catalytic picture is deeply unfavorable, with heavy insider selling (24,750 shares, ~$478k, zero…
The first sentence of the analysis written for DGICA on 2026-09-09 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 26.7% | 22.8% | 17.7% | 16.7% | 20.5% | |
| Ebit Margin | 10.1% | 6.4% | 0.6% | -0.4% | 3.8% | |
| Ebitda Margin | 10.4% | 6.8% | 1.1% | 0.2% | 4.5% | |
| Operating Profit Margin | 10.0% | 6.3% | 0.5% | -0.4% | 3.7% | |
| Pretax Profit Margin | 10.0% | 6.3% | 0.5% | -0.4% | 3.7% | |
| Continuous Operations Profit Margin | 8.1% | 5.1% | 0.5% | -0.2% | 3.1% | |
| Net Profit Margin | 8.1% | 5.1% | 0.5% | -0.2% | 3.1% | |
| Bottom Line Profit Margin | 8.1% | 5.1% | 0.5% | -0.2% | 3.1% | |
| Current Ratio | 0.742 | 0.837 | 0.819 | 0.807 | 0.847 | |
| Quick Ratio | 0.742 | 0.837 | 0.819 | 0.807 | 0.847 | |
| Solvency Ratio | 0.047 | 0.031 | 0.005 | 0.002 | 0.018 | |
| Cash Ratio | 0.015 | 0.030 | 0.013 | 0.014 | 0.034 | |
| Price To Earnings Ratio | 9.000 | 10.045 | 99.929 | -231.648 | 17.427 | |
| Price To Earnings Growth Ratio | 0.204 | 0.010 | -0.304 | 2.155 | -0.320 | |
| Forward Price To Earnings Growth Ratio | 0.204 | 0.010 | -0.304 | 2.155 | -0.320 | |
| Price To Earnings Diluted Ratio | 9.165 | 10.111 | 99.929 | -231.648 | 17.642 | |
| Price To Earnings Diluted Growth Ratio | 0.216 | 0.010 | -0.304 | 2.154 | -0.317 | |
| Price To Book Ratio | 0.959 | 0.935 | 0.964 | 0.939 | 0.833 | |
| Price To Sales Ratio | 0.628 | 0.516 | 0.499 | 0.535 | 0.542 | |
| Price To Free Cash Flow Ratio | 8.750 | 7.569 | 16.177 | 6.768 | 5.767 | |
| Price To Operating Cash Flow Ratio | 8.750 | 7.569 | 16.151 | 6.768 | 5.767 | |
| Debt To Assets Ratio | 0.015 | 0.015 | 0.015 | 0.016 | 0.016 | |
| Debt To Equity Ratio | 0.055 | 0.064 | 0.073 | 0.072 | 0.066 | |
| Debt To Capital Ratio | 0.052 | 0.060 | 0.068 | 0.067 | 0.062 | |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Financial Leverage Ratio | 3.727 | 4.280 | 4.724 | 4.639 | 4.247 | |
| Working Capital Turnover Ratio | -2.649 | -3.233 | -2.812 | -2.837 | -6.264 | |
| Operating Cash Flow Ratio | 0.040 | 0.038 | 0.016 | 0.038 | 0.045 | |
| Operating Cash Flow Sales Ratio | 0.072 | 0.068 | 0.031 | 0.079 | 0.094 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 1.000 | 0.998 | 1.000 | 1.000 | |
| Debt Service Coverage Ratio | 2.304 | 1.549 | 0.263 | 0.098 | 0.891 | |
| Interest Coverage Ratio | 72.259 | 65.896 | 8.169 | -5.863 | 33.875 | |
| Short Term Operating Cash Flow Coverage Ratio | 2.006 | 1.927 | 0.818 | 1.917 | 2.192 | |
| Operating Cash Flow Coverage Ratio | 2.006 | 1.927 | 0.818 | 1.917 | 2.192 | |
| Capital Expenditure Coverage Ratio | 165,175.214 | 0.000 | 640.338 | 0.000 | 0.000 | |
| Dividend Paid And Capex Coverage Ratio | 2.734 | 2.971 | 1.305 | 3.273 | 4.018 | |
| Dividend Payout Ratio | 0.324 | 0.446 | 4.947 | -10.464 | 0.756 | |
| Enterprise Value Multiple | 6.102 | 7.334 | 47.306 | 254.426 | 11.323 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 26.7% | ▲3.9% | ▲5.8% |
| Ebit Margin | 10.1% | ▲3.7% | ▲6.0% |
| Ebitda Margin | 10.4% | ▲3.6% | ▲5.8% |
| Operating Profit Margin | 10.0% | ▲3.7% | ▲6.0% |
| Pretax Profit Margin | 10.0% | ▲3.7% | ▲6.0% |
| Continuous Operations Profit Margin | 8.1% | ▲3.0% | ▲4.8% |
| Net Profit Margin | 8.1% | ▲3.0% | ▲4.8% |
| Bottom Line Profit Margin | 8.1% | ▲3.0% | ▲4.8% |
| Current Ratio | 0.742 | ▼-0.095 | ▼-0.069 |
| Quick Ratio | 0.742 | ▼-0.095 | ▼-0.069 |
| Solvency Ratio | 0.047 | ▲0.017 | ▲0.027 |
| Cash Ratio | 0.015 | ▼-0.014 | ▼-0.006 |
| Price To Earnings Ratio | 9.000 | ▼-1.046 | ▲28.049 |
| Price To Earnings Growth Ratio | 0.204 | ▲0.194 | ▼-0.145 |
| Forward Price To Earnings Growth Ratio | 0.204 | ▲0.194 | ▼-0.145 |
| Price To Earnings Diluted Ratio | 9.165 | ▼-0.946 | ▲28.125 |
| Price To Earnings Diluted Growth Ratio | 0.216 | ▲0.205 | ▼-0.136 |
| Price To Book Ratio | 0.959 | ▲0.024 | ▲0.033 |
| Price To Sales Ratio | 0.628 | ▲0.112 | ▲0.084 |
| Price To Free Cash Flow Ratio | 8.750 | ▲1.181 | ▼-0.256 |
| Price To Operating Cash Flow Ratio | 8.750 | ▲1.181 | ▼-0.251 |
| Debt To Assets Ratio | 0.015 | ▼-0.000 | ▼-0.001 |
| Debt To Equity Ratio | 0.055 | ▼-0.009 | ▼-0.011 |
| Debt To Capital Ratio | 0.052 | ▼-0.008 | ▼-0.010 |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 |
| Financial Leverage Ratio | 3.727 | ▼-0.553 | ▼-0.597 |
| Working Capital Turnover Ratio | -2.649 | ▲0.585 | ▲0.910 |
| Operating Cash Flow Ratio | 0.040 | ▲0.003 | ▲0.005 |
| Operating Cash Flow Sales Ratio | 0.072 | ▲0.004 | ▲0.003 |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | -0.000 | ▲0.000 |
| Debt Service Coverage Ratio | 2.304 | ▲0.755 | ▲1.283 |
| Interest Coverage Ratio | 72.259 | ▲6.363 | ▲37.392 |
| Short Term Operating Cash Flow Coverage Ratio | 2.006 | ▲0.079 | ▲0.234 |
| Operating Cash Flow Coverage Ratio | 2.006 | ▲0.079 | ▲0.234 |
| Capital Expenditure Coverage Ratio | 165175.214 | ▲165175.214 | ▲132012.104 |
| Dividend Paid And Capex Coverage Ratio | 2.734 | ▼-0.237 | ▼-0.126 |
| Dividend Payout Ratio | 0.324 | ▼-0.123 | ▲1.122 |
| Enterprise Value Multiple | 6.102 | ▼-1.232 | ▼-59.197 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $614.3M | $510.5M | $462.3M | $454.2M | $442.5M | |
| Enterprise value | $622.5M | $492.5M | $473.5M | $464.1M | $419.8M | |
| EV / Sales | 0.64x | 0.50x | 0.51x | 0.55x | 0.51x | |
| EV / Op. cash flow | 8.87x | 7.30x | 16.54x | 6.92x | 5.47x | |
| EV / Free cash flow | 8.87x | 7.30x | 16.57x | 6.92x | 5.47x | |
| EV / EBITDA | 6.10x | 7.33x | 47.31x | 254.43x | 11.32x | |
| Net debt / EBITDA | 0.08x | -0.27x | 1.12x | 5.42x | -0.61x | |
| Current ratio | 0.74x | 0.84x | 0.82x | 0.81x | 0.85x | |
| Income quality | 0.89x | 1.33x | 6.47x | -34.25x | 3.04x | |
| Graham number | $35 | $24 | $7 | — | $18 | |
| Graham net-net | -$25 | -$19 | -$20 | -$21 | -$20 | |
| Tax burden | 81.3% | 81.6% | 87.4% | 53.9% | 83.2% | |
| Interest burden | 98.6% | 98.5% | 89.1% | 120.6% | 97.1% | |
| Working capital | -$448.6M | -$289.9M | -$322.2M | -$337.3M | -$260.7M | |
| Invested capital | -$371.0M | -$207.5M | -$237.9M | -$254.8M | -$183.1M | |
| Return on assets | 3.3% | 2.2% | 0.2% | -0.1% | 1.1% | |
| Operating ROA | 4.1% | 2.7% | 0.2% | -0.2% | 1.4% | |
| Return on tangible assets | 3.4% | 2.3% | 0.2% | -0.1% | 1.2% | |
| Return on equity | 12.4% | 9.3% | 0.9% | -0.4% | 4.8% | |
| Return on invested capital | 11.6% | 8.6% | 0.8% | -0.4% | 4.3% | |
| Return on capital employed | 15.1% | 11.3% | 1.0% | -0.7% | 5.4% | |
| Earnings yield | 12.9% | 10.0% | 1.0% | -0.4% | 5.7% | |
| Free cash flow yield | 11.4% | 13.2% | 6.2% | 14.8% | 17.3% | |
| Capex / Op. cash flow | 0.0% | 0.0% | 0.2% | 0.0% | 0.0% | |
| Capex / Depreciation | 0.0% | 0.0% | 1.0% | 0.0% | 0.0% | |
| Capex / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| SG&A / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.0% | 0.0% | 0.1% | 0.0% | |
| Intangibles / Total assets | 3.2% | 3.4% | 3.6% | 3.6% | 3.3% | |
| Days sales outstanding | 223d | 229d | 253d | 279d | 294d | |
| Days payables outstanding | 2d | 2d | 4d | 2d | 2d | |
| Operating cycle | 223d | 229d | 253d | 279d | 294d | |
| Cash conversion cycle | 221d | 227d | 249d | 277d | 292d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+20.3%EV / Sales ▲+27.9%EV / EBITDA ▼-16.8%EV / Op. cash flow ▲+1.564Earnings yield ▲+0.030Graham number ▲+10.828
Profitability
Return on equity ▲+0.031Return on assets ▲+0.011Return on invested capital ▲+0.030Return on capital employed ▲+0.038Operating ROA ▲+0.014Income quality ▼-0.441Tax burden ▼-0.003
Efficiency
Days sales outstanding ▼-5.877Days payables outstanding ▼-0.301Operating cycle ▼-5.877Cash conversion cycle ▼-5.576Capex / Sales n/aR&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.095Net debt / EBITDA ▲+0.347Working capital ▼-158638255.000Invested capital ▼-163464932.000Intangibles / Total assets ▼-0.003
Change over 5 years
Valuation
Market cap ▲+38.8%EV / Sales ▲+23.8%EV / EBITDA ▼-46.1%EV / Op. cash flow ▲+3.397Earnings yield ▲+0.072Graham number ▲+17.039
Profitability
Return on equity ▲+0.076Return on assets ▲+0.022Return on invested capital ▲+0.073Return on capital employed ▲+0.096Operating ROA ▲+0.028Income quality ▼-2.154Tax burden ▼-0.019
Efficiency
Days sales outstanding ▼-71.039Days payables outstanding ▼-0.444Operating cycle ▼-71.039Cash conversion cycle ▼-70.594Capex / Sales n/aR&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.105Net debt / EBITDA ▲+0.693Working capital ▼-187880014.000Invested capital ▼-187865844.000Intangibles / Total assets ▼-0.002
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-08-05 Donegal Group Inc. (DGICA) Q2 2026 Earnings Call Prepared Remarks Transcript Donegal Group Inc. (DGICA) Q2 2026 Earnings Call Prepared Remarks Transcript
- 2026-07-30 Donegal Group (DGICA) Surpasses Q2 Earnings Estimates Donegal Group (DGICA) came out with quarterly earnings of $0.53 per share, beating the Zacks Consensus Estimate of $0.46 per share. This compares to earnings of $0.43 per share a year ago.
- 2026-07-30 Donegal Group Inc. Announces Second Quarter and First Half 2026 Results MARIETTA, Pa., July 30, 2026 (GLOBE NEWSWIRE) -- Donegal Group Inc. (NASDAQ: DGICA) and (NASDAQ: DGICB) today reported its financial results for the second quarter and first half of 2026.
- 2026-07-16 Donegal Group Inc. Announces Quarterly Dividend MARIETTA, Pa., July 16, 2026 (GLOBE NEWSWIRE) -- Donegal Group Inc. (NASDAQ:DGICA) and (NASDAQ:DGICB) reported today that its board of directors declared a regular quarterly cash dividend of $0.1925 per share of the Company''s Class A common stock and $0.175 per share of the Company''s Class B common stock. The dividends are payable on August 14, 2026 to stockholders of record as of the close of business on July 31, 2026.
- 2026-07-09 ITIC vs DGICA: Which Insurance Stock is the Better Buy? The U.S. insurance industry is evolving as insurers respond to changing risk patterns, technological innovation, and shifting customer expectations. Property insurers are revising premiums and underwriting to offset mounting losses from hurricanes, wildfires, floods and severe storms, while casualty insurers continue to face pressure from social inflation, rising litigation costs and higher claim severity.
- 2026-07-07 Donegal Group Inc. Announces Release Date for Second Quarter 2026 Results MARIETTA, Pa., July 07, 2026 (GLOBE NEWSWIRE) -- Donegal Group Inc. (NASDAQ:DGICA) and (NASDAQ:DGICB) announced today that it plans to release its results for the second quarter ended June 30, 2026, on Thursday, July 30, 2026, before the opening of regular trading on the NASDAQ Stock Market. The Company will provide a supplemental investor presentation in the Investors section of its website at investors.donegalgroup.com, concurrently with its earnings press release.
- 2026-07-07 Donegal Group Inc. Announces Release Date for Second Quarter 2026 Results MARIETTA, Pa. , July 07, 2026 (GLOBE NEWSWIRE) -- Donegal Group Inc. (NASDAQ: DGICA) and (NASDAQ: DGICB) announced today that it plans to release its results for the second quarter ended June 30, 2026, on Thursday, July 30, 2026, before the opening of regular trading on the NASDAQ Stock Market.
- 2026-06-28 This Under-the-Radar 4.4% Yielding Stock Is a Top Defensive Refuge for Retirees With the 10-year Treasury at 4.46% and core PCE still grinding higher, retirees are hunting for income that holds up.