# Donegal Group Inc. (DGICA) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Insurance. Price $19.45, market value $722 million.

## Valuation
- **P/E (trailing): 10.1×**. Donegal Group Inc. trades at 10.1× trailing earnings. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.4×, higher than trailing, so analysts expect earnings to fall.
- **Price / sales: 0.7×**. Each dollar of revenue is priced at 0.7×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 9.9%**. The inverse of the P/E: 9.9% of the price is earned each year.

## Profitability
- **Net margin: 8.1%**. 8.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 12.4%**. 12.4% on shareholders' equity is solid.
- **Return on assets: 3.0%**. Each dollar of assets produces 3.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -1.2%** (3-yr 4.9%/yr, 5-yr 4.7%/yr). Revenue fell 1.2% over the last year, against 4.7% a year compounded over five years: growth is slowing.

## Dividends
- **Dividend yield: 3.96%** ($0.74 per share, trailing). Donegal Group Inc. yields 3.96%, an income-level yield.
- **Payout ratio: 32%**. 32% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 23**. 23 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 3.9%/yr** (1-yr 4.8%). The dividend has grown 3.9% a year over five years.

## Price and momentum
- **Total return (1 yr): 3.0%** (YTD -0.6%, 3-mo 12.8%). The shares are up 3.0% over twelve months including dividends.
- **From 52-week high: -7.6%** (20.7% above the low). Trading 8% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 61**. An RSI of 61 is neutral.
- **Beta (1 yr): -0.03** (volatility 23%). Beta of -0.03 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=DGICA · Page: https://foliofundamentals.com/stocks/dgica

Not investment advice.