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Donegal Group (DGICA)
NASDAQ:DGICA
US Market

Donegal Group (DGICA) Ratios

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Donegal Group Ratios

DGICA's free cash flow for Q3 2025 was $0.27. For the 2025 fiscal year, DGICA's free cash flow was decreased by $ and operating cash flow was $0.10. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 0.00 2.06 30.56 31.98
Quick Ratio
0.00 0.00 2.06 35.61 40.23
Cash Ratio
0.00 0.00 0.03 0.58 1.48
Solvency Ratio
0.05 0.03 <0.01 <0.01 0.80
Operating Cash Flow Ratio
0.00 0.00 0.04 1.54 1.97
Short-Term Operating Cash Flow Coverage
2.53 1.93 0.00 0.00 0.00
Net Current Asset Value
$ -1.79B$ -1.79B$ -339.84M$ -429.97M$ 1.21B
Leverage Ratios
Debt-to-Assets Ratio
0.01 0.01 0.02 0.02 0.02
Debt-to-Equity Ratio
0.06 0.06 0.07 0.07 0.07
Debt-to-Capital Ratio
0.05 0.06 0.07 0.07 0.06
Long-Term Debt-to-Capital Ratio
0.00 0.00 0.07 0.07 0.06
Financial Leverage Ratio
3.86 4.28 4.72 4.64 4.25
Debt Service Coverage Ratio
2.51 1.55 15.12 5.64 35.70
Interest Coverage Ratio
83.08 65.90 8.17 -13.65 33.38
Debt to Market Cap
0.05 0.07 0.08 0.08 0.08
Interest Debt Per Share
1.19 1.09 1.08 1.13 1.18
Net Debt to EBITDA
-0.03 -0.27 1.12 5.41 -0.61
Profitability Margins
Gross Profit Margin
45.19%100.00%100.00%100.00%100.00%
EBIT Margin
10.89%6.39%0.61%-664656.61%3.83%
EBITDA Margin
11.26%6.79%1.08%401766.08%4.54%
Operating Profit Margin
10.76%6.30%0.55%-1866699.66%3.66%
Pretax Profit Margin
10.76%6.30%0.55%-801321.59%3.72%
Net Profit Margin
8.72%5.14%0.48%-431497.80%3.09%
Continuous Operations Profit Margin
8.72%5.14%0.48%-431587.00%3.09%
Net Income Per EBT
81.05%81.59%87.40%53.85%83.24%
EBT Per EBIT
100.00%100.00%100.00%42.93%101.44%
Return on Assets (ROA)
3.56%2.18%0.20%-0.09%1.12%
Return on Equity (ROE)
14.58%9.32%0.92%-0.41%4.76%
Return on Capital Employed (ROCE)
4.39%2.67%0.32%-0.39%1.35%
Return on Invested Capital (ROIC)
246.15%145.32%0.15%-0.35%1.00%
Return on Tangible Assets
3.57%2.18%0.20%-0.09%1.12%
Earnings Yield
15.27%9.96%0.96%-0.44%5.81%
Efficiency Ratios
Receivables Turnover
1.62 1.62 1.47 0.00 1.27
Payables Turnover
49.75 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
417.62 399.17 352.14 <0.01 276.12
Asset Turnover
0.41 0.42 0.41 <0.01 0.36
Working Capital Turnover Ratio
0.00 0.00 0.91 <0.01 0.69
Cash Conversion Cycle
217.87 225.09 248.97 0.00 287.18
Days of Sales Outstanding
225.20 225.09 248.97 0.00 287.18
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
7.34 0.00 0.00 0.00 0.00
Operating Cycle
225.20 225.09 248.97 0.00 287.18
Cash Flow Ratios
Operating Cash Flow Per Share
2.89 2.04 0.87 2.14 2.52
Free Cash Flow Per Share
2.89 2.04 0.86 3.04 42.80
CapEx Per Share
<0.01 0.00 <0.01 0.90 40.28
Free Cash Flow to Operating Cash Flow
1.00 1.00 1.00 1.42 16.96
Dividend Paid and CapEx Coverage Ratio
3.54 2.97 1.30 1.38 0.06
Capital Expenditure Coverage Ratio
884.36 0.00 640.34 2.37 0.06
Operating Cash Flow Coverage Ratio
2.53 1.93 0.82 1.92 2.19
Operating Cash Flow to Sales Ratio
0.09 0.07 0.03 147.82K 0.09
Free Cash Flow Yield
13.40%13.21%6.18%21.38%299.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
6.45 10.04 104.47 -227.81 17.21
Price-to-Sales (P/S) Ratio
0.66 0.52 0.50 983.00K 0.53
Price-to-Book (P/B) Ratio
0.89 0.94 0.96 0.92 0.82
Price-to-Free Cash Flow (P/FCF) Ratio
7.34 7.57 16.18 4.68 0.33
Price-to-Operating Cash Flow Ratio
6.28 7.57 16.15 6.65 5.66
Price-to-Earnings Growth (PEG) Ratio
2.59 0.01 -0.31 2.12 -0.30
Price-to-Fair Value
0.89 0.94 0.96 0.92 0.82
Enterprise Value Multiple
5.81 7.33 47.31 250.08 11.11
Enterprise Value
656.27M 492.55M 473.52M 456.16M 411.81M
EV to EBITDA
5.90 7.33 47.31 250.08 11.11
EV to Sales
0.66 0.50 0.51 1.00M 0.50
EV to Free Cash Flow
7.42 7.30 16.57 4.78 0.32
EV to Operating Cash Flow
7.42 7.30 16.54 6.80 5.37
Tangible Book Value Per Share
20.30 16.34 14.32 15.18 72.67
Shareholders’ Equity Per Share
20.51 16.54 14.52 15.39 17.46
Tax and Other Ratios
Effective Tax Rate
0.19 0.18 0.13 0.46 0.17
Revenue Per Share
32.31 29.99 28.06 <0.01 26.85
Net Income Per Share
2.82 1.54 0.13 -0.06 0.83
Tax Burden
0.81 0.82 0.87 0.54 0.83
Interest Burden
0.99 0.99 0.89 1.21 0.97
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
0.00 0.00 <0.01 1.80K <0.01
Income Quality
1.03 1.33 6.47 -34.25 3.04
Currency in USD