The earnings call highlighted significant achievements in earnings growth, investment income, and improvements in underwriting performance. However, challenges remain with declining premiums and specific claim severity issues in workers' compensation. Overall, the sentiment is positive due to the strong financial performance and strategic advancements.

Company Guidance

In the first quarter of 2025, Donegal Group achieved a net income of $25.2 million, a significant increase from $6 million in the same quarter of the previous year, driven by a 2.2% rise in net premiums earned to $232.7 million and a substantial improvement in the combined ratio to 91.6% from 102.4%. The company reported a decrease in net premiums written by 1.7%, with personal lines experiencing a 9.9% decline while commercial lines grew by 3.3%. Key factors contributing to these results included a 4.5 percentage point decrease in the core loss ratio and favorable development of reserves, particularly in commercial auto and multi-peril lines. Additionally, Donegal benefited from lower weather-related and large fire losses, which contributed to a 1.1 percentage point decrease in the expense ratio. Investment income also rose by 9.2% to $12 million, bolstered by strategic investments in high-quality credit-focused assets. The company's ongoing systems modernization efforts aim to further enhance operational efficiency and competitive positioning.

Record Earnings Achieved

The company reported record earnings for the first quarter of 2025, surpassing the previous highest quarterly earnings level.

Improvement in Combined Ratio

The combined ratio improved to 91.6% in Q1 2025 from 102.4% in Q1 2024, driven by a decrease in weather-related and large fire losses.

Increase in Net Investment Income

Net investment income increased by 9.2% to $12 million compared to the prior year quarter.

Successful Systems Modernization

The company successfully deployed a new commercial package policy and modernized their middle market commercial products, with further deployments planned.

Improvement in Personal Lines Core Loss Ratio

Personal lines core loss ratio improved by 9.4 percentage points, largely due to the impact of premium rate increases.

Donegal Group (DGICA) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

DGICA Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.36 / -	0.46	―	―	―
Jul 24, 2025	2025 (Q2)	0.39 / 0.43	0.11	290.91% (+0.32)
Apr 24, 2025	2025 (Q1)	0.36 / 0.72	0.13	453.85% (+0.59)
Feb 20, 2025	2024 (Q4)	0.31 / 0.69	-0.11	727.27% (+0.80)
Oct 24, 2024	2024 (Q3)	0.10 / 0.46	0.01	4500.00% (+0.45)
Jul 25, 2024	2024 (Q2)	0.07 / 0.11	0	―
Apr 25, 2024	2024 (Q1)	0.23 / 0.13	0.17	-23.53% (-0.04)
Feb 22, 2024	2023 (Q4)	0.19 / -0.11	0.09	-222.22% (-0.20)
Oct 26, 2023	2023 (Q3)	0.08 / 0.01	-0.27	103.70% (+0.28)
Jul 27, 2023	2023 (Q2)	0.20 / 0.00	-0.05	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

DGICA Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$18.32	$17.20	-6.11%
Apr 24, 2025	$18.18	$19.16	+5.39%
Feb 20, 2025	$14.87	$15.27	+2.69%
Oct 24, 2024	$13.92	$15.12	+8.62%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Donegal Group (DGICA) report earnings?

Donegal Group (DGICA) is schdueled to report earning on Oct 23, 2025, After Close (Confirmed).

What is Donegal Group (DGICA) earnings time?

Donegal Group (DGICA) earnings time is at Oct 23, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is DGICA EPS forecast?

DGICA EPS forecast for the fiscal quarter 2025 (Q3) is 0.36.

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