Donegal Group Inc.

Donegal Group Inc.

DGICAยทNASDAQ

$16.54

-2.6%
Financial ServicesInsurance - Property & Casualty

Donegal Group Inc., an insurance holding company, provides personal and commercial lines of property and casualty insurance to businesses and individuals. It operates through three segments: Investment Function, Personal Lines of Insurance, and Commercial Lines of Insurance. The company offers private passenger automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents, as well as protection against loss from damage to automobiles; and homeowners policies, which provide coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft, as well as liability of the insured arising from injury to other persons or their property. It also offers commercial automobile policies that provide 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; commercial multi-peril policies that provide protection to businesses against combining liability and physical damage coverages; and workers' compensation policies, which provide benefits to employees for injuries sustained during employment. The company markets its insurance products primarily to Mid-Atlantic, Midwestern, New England, Southern, and Southwestern regions through approximately 2,300 independent insurance agencies. Donegal Group Inc. was incorporated in 1986 and is headquartered in Marietta, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$606.16M
EPS2.2200
P/E Ratio7.45
Earnings Date07/23/2026
3Y+5.0%
5Y-31.0%
10Y+17.0%
3Y-7.0%
5Y-9.0%
10Y+78.0%
3Y+335.0%
5Y-110.0%
10Y-58.0%
DGICA

Donegal Group Inc. Cash Conversion Engine

DGICA ยท NASDAQ
Net Income79.34M
Depreciation & Amortization3.08M
Stock-Based Compensation0.00
Change in Working Capital-11.60M
Others-619.34K
Capital Expenditures-425.00
Free Cash Flow70.20M

Cash Flow Quality Analysis

FCF Conversion Rate

88.5%

Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.

CapEx Intensity

0.0%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+4.1%

Flat FCF growth. Stable but not expandingโ€”monitor for signs of business maturity or temporary headwinds.

Working Capital Impact

-$11.60M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Donegal Group Inc. Cash Flow Statement

DGICA โ€ข NASDAQ

Donegal Group Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
79.3M
50.9M
4.4M
-2M
25.3M
52.8M
14.2M
-32.8M
7.1M
30.8M
21M
14.5M
26.3M
23.1M
453K
11.5M
18.8M
25.5M
38.3M
40.2M
3.1M
3.9M
4.3M
4.8M
5.8M
6.7M
5.6M
6.6M
6.1M
6.6M
6.7M
3.5M
3M
4M
4.1M
3.1M
2.6M
2.4M
2.4M
2.7M
0.0
0.0
0.0
-3M
0.0
0.0
649.9M
-4.2B
11.9B
2B
168.4M
-963.7M
1.4B
1.2B
-5.9B
0.0
0.0
0.0
1M
1.1M
0.0
0.0
0.0
818.9K
0.0
0.0
1.4M
1.7M
2M
2.5M
2.6M
2.1M
599.2K
420.7K
0.0
0.0
0.0
0.0
0.0
0.0
-619.3K
-5M
-3.2M
12.3M
-6.5M
-2.8M
-640.6M
2.1M
-6.3M
-2M
-3.2M
-4.4M
-5.3M
-11.4M
-14.3M
-4.1M
-5M
3M
-3.1M
-2.9M
(0.0)
(3.5M)
(0.0)
(4.5M)
(6.2M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-11.6M
17.7M
23M
54M
52.1M
44.4M
45.9M
87.8M
74.1M
24.7M
41.9M
30.8M
22M
9.3M
30.8M
11.5M
17.7M
22.1M
-12M
-7.3M
70.2M
67.4M
28.6M
67.1M
76.7M
101.1M
76.4M
63.8M
81M
60M
66.4M
44.5M
46M
25M
21.1M
22M
34.1M
53M
26.7M
33.8M
INVESTING ACTIVITIES
-425.0
(743.0)
-44.7K
(28.3M)
(1.2B)
-89.7K
-149.6K
-105.5K
-1.1M
-384.2K
-151.5K
-2.1M
-1.3M
-744.1K
-238.5K
-651.2K
-941K
-1.2M
-1.4M
-848.7K
(0.0)
(0.0)
(0.0)
(28.3K)
(0.0)
(0.0)
(33.9M)
(20.5B)
(38.6B)
(39.8B)
(1.8M)
(82.8B)
(1.1M)
-100K
-7.2M
-35.1M
(0.0)
-3.4M
(0.0)
(0.0)
-475M
-213.1M
-180.8M
-287.4M
-314.6M
-347.4M
-283.4M
-182.9M
-206.8M
-222M
-227.2M
-216.8M
-195.6M
-272.6M
-233.5M
-254.4M
-197.6M
-250.4M
-97.6M
-111M
383.9M
165.1M
164.1M
188.9M
251.2M
247.8M
206.3M
145.4M
149.4M
171.1M
151.3M
189.8M
167.7M
268.7M
209.9M
246.9M
192M
224M
84.6M
100.2M
0.0
-743.0
0.0
-28.3M
-1.2B
0.0
0.0
-20.5B
-38.6B
-39.8B
-75.9M
-82.8B
-26.8M
-4M
-7.3B
0.0
-6.5M
0.0
0.0
-26.2M
-91.1M
-48M
-16.7M
-98.5M
-62.2M
-99.7M
-43.4M
-37.6M
-58.4M
-51.3M
-74.3M
-29.2M
-28.1M
-4.8M
-31.1M
-43.2M
-13M
-31M
-14.4M
-37.9M
FINANCING ACTIVITIES
20.5M
32.4M
8.6M
19.3M
14.2M
19.3M
4.8M
3.2M
15.5M
13.8M
-12.6M
10.7M
12.2M
1.1M
-77K
1.1M
992.4K
345.9K
-765.6K
6.3M
0.0
0.0
0.0
0.0
-55M
50M
-25M
1M
-10M
-12M
27.5M
-4.5M
-9.5M
-2.5M
18.9M
35M
0.0
-15.5M
0.0
0.0
-25.7M
-22.7M
-21.9M
-20.5M
-19.1M
-17M
-16.1M
-15.7M
-14.8M
-14.1M
-14.5M
-13.6M
-12.8M
-12.2M
-11.9M
-11.4M
-11M
-10M
-8.6M
-7.8M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-28.1M
-12K
-376.5K
-1.9M
-1.5M
-145.7K
-393.6K
-3.5M
-4.3M
(0.0)
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
15.5M
0.0
12.6M
0.0
0.0
0.0
0.0
683.9K
854.9K
2.3M
-5.2M
9.7M
-13.2M
-1.2M
-59.9M
52.3M
-36.3M
-11.4M
-9.3M
-12.3M
437K
-7.4M
-10.1M
-13.7M
6.9M
24.6M
-10M
-24.5M
-8.5M
823.8K
CASH FLOW SUMMARY
-26.1M
29.1M
-1.3M
-32.6M
-45.4M
53.8M
-3.3M
14.8M
13.2M
-3.6M
-7.4M
7.9M
7.8M
6.6M
-3.1M
3.4M
11.1M
-2.5M
3.8M
-3.3M
52.9M
23.8M
25.1M
57.7M
103.1M
49.3M
52.6M
37.8M
24.6M
28.1M
35.6M
27.6M
19.8M
13.2M
16.3M
12.9M
1.8M
4.3M
531.8K
3.8M
26.8M
52.9M
23.8M
25.1M
57.7M
103.1M
49.3M
52.6M
37.8M
24.6M
28.1M
35.6M
27.6M
19.8M
13.2M
16.3M
12.9M
1.8M
4.3M
531.8K
70.2M
67.4M
28.6M
67.1M
76.7M
101M
76.2M
63.7M
79.9M
59.6M
66.3M
42.4M
44.8M
24.2M
20.8M
21.4M
33.2M
51.8M
25.3M
32.9M

SEC Filings

DGICA - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 30, 2026
April 30, 2026
2026
8-K

8-K 2026

N/A

April 17, 2026
April 16, 2026
2026
8-K

8-K 2026

N/A

April 16, 2026
April 16, 2026
2026
8-K

8-K 2026

N/A

April 06, 2026
April 06, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 16, 2026
April 16, 2026
2026
10-K

10-K 2025 FY

FY

March 06, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 19, 2026
February 19, 2026
2026
8-K

8-K 2026

N/A

January 29, 2026
January 29, 2026
2026
8-K

8-K 2025

N/A

December 22, 2025
December 18, 2025
2025
Showing 1 to 10 of 470 filings