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Donegal Group (DGICA)
NASDAQ:DGICA
US Market
DGICA
Donegal Group
RESEARCH TOOLSreports

Donegal Group (DGICA) Ratios

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Donegal Group Ratios

DGICA's free cash flow for Q4 2025 was $0.42. For the 2025 fiscal year, DGICA's free cash flow was decreased by $ and operating cash flow was $0.09. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.00 0.00 0.00 0.00
Quick Ratio
 0.00 0.00 0.00 0.00 0.00
Cash Ratio
 0.00 0.00 0.00 0.00 0.00
Solvency Ratio
 0.05 0.05 0.03 <0.01 <0.01
Operating Cash Flow Ratio
 0.00 0.00 0.00 0.00 0.00
Short-Term Operating Cash Flow Coverage
 2.01 2.01K 1.93 0.82 1.92
Net Current Asset Value
$ -1.72B$ -1.72B$ -1.79B$ -1.79B$ -1.76B
Leverage Ratios
Debt-to-Assets Ratio
 0.01 0.01 0.01 0.02 0.02
Debt-to-Equity Ratio
 0.05 0.05 0.06 0.07 0.07
Debt-to-Capital Ratio
 0.05 0.05 0.06 0.07 0.07
Long-Term Debt-to-Capital Ratio
 0.05 0.05 0.00 0.00 0.00
Financial Leverage Ratio
 3.73 3.73 4.28 4.72 4.64
Debt Service Coverage Ratio
 2.29 2.30 1.55 0.26 0.10
Interest Coverage Ratio
 72.24 72.24 65.90 8.17 -5.86
Debt to Market Cap
 0.11 0.11 0.07 0.08 0.08
Interest Debt Per Share
 1.16 1.18 1.09 1.08 1.11
Net Debt to EBITDA
 0.08 0.08 -0.27 1.12 5.41
Profitability Margins
Gross Profit Margin
30.47%42.30%100.00%100.00%100.00%
EBIT Margin
10.11%10.12%6.39%0.61%-0.36%
EBITDA Margin
10.38%10.43%6.79%1.08%0.22%
Operating Profit Margin
9.97%9.98%6.30%0.55%-0.43%
Pretax Profit Margin
9.97%9.98%6.30%0.55%-0.43%
Net Profit Margin
8.11%8.11%5.14%0.48%-0.23%
Continuous Operations Profit Margin
8.11%8.11%5.14%0.48%-0.23%
Net Income Per EBT
81.30%81.30%81.59%87.40%53.86%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
3.32%3.32%2.18%0.20%-0.09%
Return on Equity (ROE)
12.91%12.39%9.32%0.92%-0.41%
Return on Capital Employed (ROCE)
4.09%4.09%2.67%0.22%-0.16%
Return on Invested Capital (ROIC)
128.41%128.41%145.32%12.64%-5.60%
Return on Tangible Assets
-1.89%-1.89%2.18%0.20%-0.09%
Earnings Yield
14.50%12.92%9.96%0.96%-0.43%
Efficiency Ratios
Receivables Turnover
 5.41 5.41 1.62 1.47 1.33
Payables Turnover
 195.25 161.97 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 0.00 399.17 352.14 307.87
Asset Turnover
 0.41 0.41 0.42 0.41 0.38
Working Capital Turnover Ratio
 73.05 73.02 0.00 0.00 0.00
Cash Conversion Cycle
 65.58 65.22 225.09 248.97 274.92
Days of Sales Outstanding
 67.45 67.48 225.09 248.97 274.92
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 1.87 2.25 0.00 0.00 0.00
Operating Cycle
 67.45 67.48 225.09 248.97 274.92
Cash Flow Ratios
Operating Cash Flow Per Share
 2.25 2.28K 2.04 0.87 2.10
Free Cash Flow Per Share
 2.25 2.28K 2.04 0.86 2.10
CapEx Per Share
 <0.01 0.01 0.00 <0.01 0.00
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
 2.72 2.69K 2.97 1.30 3.27
Capital Expenditure Coverage Ratio
 699.73 165.18K 0.00 640.34 0.00
Operating Cash Flow Coverage Ratio
 2.01 2.01K 1.93 0.82 1.92
Operating Cash Flow to Sales Ratio
 0.07 71.78 0.07 0.03 0.08
Free Cash Flow Yield
11.03%11428.10%13.21%6.18%14.78%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 6.90 7.74 10.04 104.47 -231.81
Price-to-Sales (P/S) Ratio
 0.65 0.63 0.52 0.50 0.54
Price-to-Book (P/B) Ratio
 0.85 0.96 0.94 0.96 0.94
Price-to-Free Cash Flow (P/FCF) Ratio
 9.07 <0.01 7.57 16.18 6.77
Price-to-Operating Cash Flow Ratio
 7.79 <0.01 7.57 16.15 6.77
Price-to-Earnings Growth (PEG) Ratio
 -0.68 0.18 0.01 -0.32 2.16
Price-to-Fair Value
 0.85 0.96 0.94 0.96 0.94
Enterprise Value Multiple
 6.35 6.10 7.33 47.31 254.43
Enterprise Value
 644.92M 622.48M 492.55M 473.52M 464.08M
EV to EBITDA
 6.35 6.10 7.33 47.31 254.43
EV to Sales
 0.66 0.64 0.50 0.51 0.55
EV to Free Cash Flow
 9.19 <0.01 7.30 16.57 6.92
EV to Operating Cash Flow
 9.19 <0.01 7.30 16.54 6.92
Tangible Book Value Per Share
 -190.42 -193.30 16.34 14.32 14.91
Shareholders’ Equity Per Share
 20.52 20.83 16.54 14.52 15.12
Tax and Other Ratios
Effective Tax Rate
 0.19 0.19 0.18 0.13 0.46
Revenue Per Share
 31.35 31.81 29.99 28.06 26.52
Net Income Per Share
 2.54 2.58 1.54 0.13 -0.06
Tax Burden
 0.81 0.81 0.82 0.87 0.54
Interest Burden
 0.99 0.99 0.99 0.89 1.21
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 0.00 0.00 <0.01
Income Quality
 0.88 884.78 1.33 6.47 -34.25
Currency in USD