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Donegal Group Inc., an insurance holding company, provides commercial and personal lines of property and casualty coverages. It operates through three segments: Investment Function, Commercial Lines of Insurance, and Personal Lines of Insurance. The company offers protection against liability for bodily injury and property damage arising from automobile accidents and protection against loss from damage to automobiles owned by the insured for commercial automobile; protection to businesses against perils combining liability and physical damage coverages; and benefits to employees for injuries sustained during employment. It provides protection against liability for bodily injury and property damage arising from automobile accidents and protection against loss from damage to automobiles owned by the insured for private passenger automobile; and coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft. The company markets its insurance products primarily to Mid-Atlantic, Midwest, Southern, and Southwestern states through a network of independent insurance agents. The company was incorporated in 1986 and is based in Marietta, Pennsylvania. Donegal Group Inc. operates as a subsidiary of Donegal Mutual Insurance Company.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Donegal Group A Inc is a regional property and casualty insurer writing personal and commercial lines through independent agents and specialty units. Long-term growth drivers include pricing discipline, selective geographic and product expansion, and potential support from investment income in a rising-rate environment, which could support profitability. Principal risks are underwriting volatility from catastrophes and reserve shortfalls, investment and interest-rate exposure, regulatory and competitive pressures and limited scale versus larger peers.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 97.59M | 62.34M | 5.06M | -3.64M | 30.34M |
| Net income | 79.34M | 50.86M | 4.43M | -1.96M | 25.25M |
| Gross profit | 413.68M | 989.61M | 927.34M | 0.00M | 816.47M |
| Reconciled depreciation | 3.08M | 3.87M | 4.31M | 4.84M | 5.84M |
| Ebit | 98.94M | 63.28M | 5.68M | -8.47M | 29.91M |
| Ebitda | 102.02M | 67.16M | 10.01M | -3.63M | 35.74M |
| Depreciation and amortization | 3.08M | 3.87M | 4.33M | 4.84M | 5.84M |
| Operating income | 97.59M | 62.34M | 5.06M | -8.47M | 29.91M |
| Other operating expenses | 880.42M | 989.61M | 922.27M | 851.86M | 786.13M |
| Interest expense | 1.35M | 0.95M | 0.62M | 0.62M | 0.90M |
| Tax provision | 18.25M | 11.48M | 1.75M | -1.68M | 5.08M |
| Net interest income | -1.35M | -0.95M | -0.62M | -0.62M | -0.90M |
| Income tax expense | 18.25M | 11.48M | 0.64M | -1.68M | 5.08M |
| Total revenue | 978.01M | 989.61M | 927.34M | 0.00M | 816.47M |
| Total operating expenses | 316.09M | 989.61M | 922.27M | 851.86M | -786.56M |
| Cost of revenue | 564.33M | 764.43M | 763.39M | - | - |
| Total other income expense net | 0.30M | 62.34M | 5.06M | 4.84M | 0.43M |
| Net income from continuing ops | 79.34M | 50.86M | 9.87M | -1.96M | 25.25M |
| Net income applicable to common shares | - | - | - | -1.96M | 25.25M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 2386.63M | 2336.03M | 1675.04M | 2243.35M | 2255.18M |
| Intangible assets | 958.01M | 0.96M | 0.96M | 0.96M | 0.96M |
| Other current assets | -675.19M | -1012.20M | 311.54M | 465.38M | -1175.01M |
| Total liab | 1746.21M | 1790.26M | 1195.29M | 1759.76M | 38.95M |
| Total stockholder equity | 640.42M | 545.78M | 479.75M | 483.59M | 531.04M |
| Other current liab | -458.44M | -39.70M | 688.67M | 5.02M | -38.95M |
| Common stock | 0.40M | 0.39M | 0.36M | 0.36M | 0.34M |
| Capital stock | 0.40M | 0.39M | 0.36M | 0.36M | 0.34M |
| Retained earnings | 297.73M | 245.14M | 217.79M | 240.56M | 263.75M |
| Other liab | - | - | - | 13.04M | 16.42M |
| Good will | 5625.35M | 5.63M | 5.63M | 5.63M | 5.63M |
| Other assets | 2359.84M | 2336.03M | 0.00M | 882.63M | -276.63M |
| Cash | 26.79M | 52.93M | 23.79M | 25.12M | 57.71M |
| Total current liabilities | - | 35356.10M | 703.00M | 43.51M | 38.95M |
| Current deferred revenue | 419.96M | - | -29.43M | - | - |
| Net debt | 8.21M | -17.93M | 11.21M | 9.88M | -22.71M |
| Short term debt | 35.00M | 35.00M | 35.00M | 35.00M | 35.00M |
| Short long term debt | 35.00M | 35.00M | 35.00M | 35.00M | 35.00M |
| Short long term debt total | 35.00M | 35.00M | 35.00M | 35.00M | 35.00M |
| Other stockholder equity | 350.58M | 328.45M | 294.47M | 284.38M | 263.66M |
| Property plant equipment | - | - | - | 2.76M | 2.96M |
| Total current assets | 26.79M | 1188.36M | 311.54M | 1329.78M | 1245.42M |
| Long term investments | 1500.25M | 1384.97M | 1327.05M | 1304.66M | 1276.85M |
| Net tangible assets | - | - | - | 477.01M | 531.04M |
| Short term investments | 494.38M | 348.99M | 86.70M | 581.11M | 545.32M |
| Net receivables | 180.80M | 610.28M | 632.53M | 630.37M | 642.39M |
| Inventory | - | - | -497529.02M | - | - |
| Accounts payable | 3.48M | 4.35M | 8.76M | 3.50M | 3.95M |
| Accumulated other comprehensive income | -8.30M | -28.20M | -32.88M | -41.70M | 3.28M |
| Common stock total equity | - | - | - | 0.36M | 0.34M |
| Retained earnings total equity | - | - | - | 240.56M | 263.75M |
| Treasury stock | - | - | - | -41.23M | - |
| Non currrent assets other | -7589.24M | -1394.03M | -11.20M | -1304.66M | -6685.62M |
| Non current assets total | - | 2336.03M | 1363.50M | 30.94M | 1286.39M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -91.13M | -48.04M | -35.35M | -117.64M | -64.65M |
| Change to liabilities | - | - | - | 1.74M | 36.86M |
| Total cashflows from investing activities | -91133.74M | -48.04M | - | -98.50M | -62.20M |
| Net borrowings | - | - | - | - | -55.00M |
| Total cash from financing activities | -5205.81M | 9.73M | -13.25M | -1.20M | -59.92M |
| Change to operating activities | - | - | - | 60.51M | 16.72M |
| Net income | 79.34M | 50.86M | 4.43M | -1.96M | 25.25M |
| Change in cash | -26140.09M | 29.13M | -1.33M | -32.59M | -45.38M |
| Begin period cash flow | 52925.93M | 23.79M | 25.12M | 57.71M | 103.09M |
| End period cash flow | 26785.85M | 52.93M | 23.79M | 25.12M | 57.71M |
| Total cash from operating activities | 70199.47M | 67.44M | 28.62M | 67.11M | 76.73M |
| Issuance of capital stock | 20.47M | 32.43M | 10.77M | 19.30M | 14.18M |
| Depreciation | 3.08M | 3.87M | 4.33M | 4.84M | 5.84M |
| Other cashflows from investing activities | -74851.01M | -0.00M | - | 19.11M | 1.23M |
| Dividends paid | 25.67M | 22.70M | 21.89M | 20.50M | 19.10M |
| Change to inventory | - | - | 8.42M | - | 97.41M |
| Change to account receivables | 22.46M | 19.18M | 8.21M | -6.09M | -45.77M |
| Sale purchase of stock | - | - | - | 19.30M | 55000.00M |
| Other cashflows from financing activities | -5200.61M | 32400.97M | 8.65M | -98.50M | -55000.00M |
| Change to netincome | - | - | - | 69.07M | 51.48M |
| Capital expenditures | 0.42M | 0.00M | 0.04M | 28.29M | 1224.81M |
| Cash and cash equivalents changes | - | - | - | -32.59M | -45.38M |
| Change in working capital | -11.60M | 17.69M | 23.04M | 54.04M | 52.12M |
| Stock based compensation | - | - | 0.88M | 0.82M | -1095.31M |
| Other non cash items | 70131.72M | -4.98M | 5.48M | 13.14M | -6.48M |
| Free cash flow | 70199.04M | 67.44M | 28.58M | 95.40M | 1301.54M |
Sector: Financial Services Industry: Insurance - Property & Casualty
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| DGICA Donegal Group A Inc |
-0.02 0.11% |
18.95 | 8.04 | 16.00 | 0.66 | 1.02 | 0.68 |
| CB Chubb Ltd |
1.22 0.33% |
370.33 | 12.11 | 11.83 | 2.13 | 1.75 | 2.45 |
| PGR Progressive Corp |
1.73 0.75% |
233.48 | 11.10 | 13.55 | 1.41 | 3.74 | 1.50 |
| TKOMF Tokio Marine Holdings Inc. |
- -% |
3.86 | 28.94 | 12.24 | 0.01 | 1.87 | 1.61 |
| TKOMY Tokio Marine Holdings Inc |
0.04 1.08% |
3.73 | 28.73 | 12.25 | 0.01 | 1.87 | 1.61 |
Donegal Group Inc., an insurance holding company, provides commercial and personal lines of property and casualty coverages. It operates through three segments: Investment Function, Commercial Lines of Insurance, and Personal Lines of Insurance. The company offers protection against liability for bodily injury and property damage arising from automobile accidents and protection against loss from damage to automobiles owned by the insured for commercial automobile; protection to businesses against perils combining liability and physical damage coverages; and benefits to employees for injuries sustained during employment. It provides protection against liability for bodily injury and property damage arising from automobile accidents and protection against loss from damage to automobiles owned by the insured for private passenger automobile; and coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft. The company markets its insurance products primarily to Mid-Atlantic, Midwest, Southern, and Southwestern states through a network of independent insurance agents. The company was incorporated in 1986 and is based in Marietta, Pennsylvania. Donegal Group Inc. operates as a subsidiary of Donegal Mutual Insurance Company.
| Name | Title | Year Born |
|---|---|---|
| Mr. Jeffrey Dean Miller | Exec. VP & CFO | 1964 |
| Mr. Kevin Gerard Burke | Pres, CEO & Chairman | 1966 |
| Mr. Sanjay Pandey | Sr. VP & Chief Information Officer | 1967 |
| Mr. Jeffery Tim Hay | Sr. VP & Chief Underwriting Officer | 1975 |
| Mr. Vincent Anthony Viozzi | Sr. VP & Chief Investment Officer | 1974 |
| Mr. Robert Richard Long Jr. | Sr. VP & Gen. Counsel | 1959 |
| Ms. Christina Marie Hoffman | Sr. VP & Chief Risk Officer | 1975 |
| Mr. William Albert Folmar | Sr. VP | 1959 |
| Mr. Francis Joseph Haefner Jr. | Sr. VP | 1964 |
| Mr. Jeffrey Alan Jacobsen | Sr. VP | 1954 |
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