Donegal Group Financials

DGICB Stock  USD 14.90  0.40  2.76%   
Based on the analysis of Donegal Group's profitability, liquidity, and operating efficiency, Donegal Group B may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At present, Donegal Group's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Other Assets is expected to grow to about 620.8 M, whereas Total Stockholder Equity is forecasted to decline to about 272.1 M. Key indicators impacting Donegal Group's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.180.1459
Fairly Up
Slightly volatile
Current Ratio0.420.4432
Notably Down
Slightly volatile
Investors should never underestimate Donegal Group's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Donegal Group's cash flow, debt, and profitability to make informed and accurate decisions about investing in Donegal Group B.

Net Income

4.2 Million

  
Understanding current and past Donegal Group Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Donegal Group's financial statements are interrelated, with each one affecting the others. For example, an increase in Donegal Group's assets may result in an increase in income on the income statement.
Please note, the presentation of Donegal Group's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Donegal Group's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Donegal Group's management manipulating its earnings.

Donegal Group Stock Summary

Donegal Group competes with Horace Mann, United Fire, Donegal Group, Global Indemnity, and Selective Insurance. Donegal Group Inc., an insurance holding company, provides personal and commercial lines of property and casualty insurance to businesses and individuals. Donegal Group Inc. was incorporated in 1986 and is headquartered in Marietta, Pennsylvania. Donegal Group operates under InsuranceProperty Casualty classification in the United States and is traded on NASDAQ Exchange.
Specialization
Financial Services, Insurance - Property & Casualty
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS2577013004
CUSIP257701300
LocationPennsylvania; U.S.A
Business Address1195 River Road,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.donegalgroup.com
Phone800 877 0600
CurrencyUSD - US Dollar

Donegal Group Key Financial Ratios

Donegal Group Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.9B2.2B2.3B2.2B2.3B2.4B
Retained Earnings223.3M258.4M263.7M240.6M217.8M138.6M
Other Assets(359.6M)(329.3M)(276.6M)882.6M591.3M620.8M
Total Liab1.5B1.6B38.9M1.8B1.8B1.9B
Net Debt(9.3M)(13.1M)(22.7M)9.9M11.2M20.9M
Net Receivables532.8M578.5M642.4M630.4M632.5M664.2M
Total Current Assets1.2B1.3B1.2B1.3B311.5M296.0M
Short Term Debt59M60M35M85M40.3M43.4M
Other Current Liab(37.1M)(3.1B)(5.3B)670.7M(7.4B)(7.1B)
Accounts Payable2.1M3.2M3.9M3.5M8.8M6.0M
Cash49.3M103.1M57.7M25.1M23.8M22.1M
Common Stock318K333K344K357K364.1K345.9K
Other Current Assets265.4M377.9M321.6M312.8M311.5M296.0M
Inventory(265.4M)(377.9M)(321.6M)(219.6M)(497.5B)(472.7B)
Other Liab17.6M317.8M16.4M13.0M15.0M14.2M
Net Tangible Assets444.4M511.2M531.0M477.0M429.3M379.5M
Short Long Term Debt59M60M35M85M31.5M40.3M
Long Term Debt Total64M30M40M5M4.5M4.3M
Capital Surpluse268.2M289.1M304.9M325.6M374.4M297.1M

Donegal Group Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense1.6M1.2M896K621K619.8K1.2M
Total Revenue812.2M777.8M816.5M454.0927.3M973.7M
Gross Profit812.2M777.8M816.5M454.0927.3M973.7M
Operating Income56.6M62.8M29.9M(8.5M)620.2M651.2M
Ebit56.6M64.5M31.2M(3.0M)5.7M5.4M
Ebitda62.2M71.2M37.1M1.8M10.0M9.5M
Net Income47.2M52.8M25.3M(2.0M)4.4M4.2M
Income Tax Expense9.9M10.5M5.1M(1.7M)638.0K606.1K
Income Before Tax57.1M63.3M30.3M(3.6M)5.1M4.8M
Cost Of Revenue68.0(358.0)752.4M(16.0)(18.4)(17.48)
Tax Provision9.9M10.5M5.1M(1.7M)1.8M2.9M
Net Interest Income(1.6M)(1.2M)(896K)(621K)(620.3K)(651.3K)

Donegal Group Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(3.3M)53.8M(45.4M)(32.6M)(1.3M)(1.3M)
Free Cash Flow76.2M101.0M1.3B95.4M28.6M27.2M
Depreciation5.6M6.7M5.8M4.8M4.3M3.0M
Other Non Cash Items(22.3M)(2.8M)(6.5M)13.1M(3.2M)(3.3M)
Dividends Paid16.1M17.0M19.1M20.5M21.9M23.0M
Capital Expenditures149.6K89.7K1.2B28.3M44.7K42.5K
Net Income47.2M52.8M25.3M(2.0M)4.4M4.2M
End Period Cash Flow49.3M103.1M57.7M25.1M23.8M18.8M
Change To Inventory54.6M92.6M97.4M8.4M9.7M9.2M
Investments(43.4M)(99.6M)(64.7M)(117.6M)(35.4M)(37.1M)
Net Borrowings1M(25M)50M(55M)(49.5M)(47.0M)
Change To Netincome(22.3M)(2.8M)51.5M69.1M79.4M83.4M

Donegal Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Donegal Group's current stock value. Our valuation model uses many indicators to compare Donegal Group value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Donegal Group competition to find correlations between indicators driving Donegal Group's intrinsic value. More Info.
Donegal Group B is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.17  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Donegal Group B is roughly  6.01 . At present, Donegal Group's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Donegal Group's earnings, one of the primary drivers of an investment's value.

Donegal Group B Systematic Risk

Donegal Group's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Donegal Group volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Donegal Group B correlated with the market. If Beta is less than 0 Donegal Group generally moves in the opposite direction as compared to the market. If Donegal Group Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Donegal Group B is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Donegal Group is generally in the same direction as the market. If Beta > 1 Donegal Group moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Donegal Group Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Donegal Group's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Donegal Group growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.32)

At present, Donegal Group's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Donegal Group November 28, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Donegal Group help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Donegal Group B. We use our internally-developed statistical techniques to arrive at the intrinsic value of Donegal Group B based on widely used predictive technical indicators. In general, we focus on analyzing Donegal Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Donegal Group's daily price indicators and compare them against related drivers.

Complementary Tools for Donegal Stock analysis

When running Donegal Group's price analysis, check to measure Donegal Group's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Donegal Group is operating at the current time. Most of Donegal Group's value examination focuses on studying past and present price action to predict the probability of Donegal Group's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Donegal Group's price. Additionally, you may evaluate how the addition of Donegal Group to your portfolios can decrease your overall portfolio volatility.
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