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Introduction Donegal Group Inc., or DGI, is an insurance holding company whose insurance subsidiaries and affiliates offer property and casualty insurance in 21 Mid-Atlantic, Midwestern, Southern and Southwestern states. DGI has no significant business operations and is separate and distinct from its insurance subsidiaries.
Net margin is thin at 8.11%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue declined 1.2% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$969M
▼ -1.2% YoY
Net Income (TTM)
$66M
▲ +56.0% YoY
Net Margin
6.78%
P/E
—
Balance Sheet
Total Assets
$2.45B
Equity
$649M
Total Debt
$35M
Cash & Equiv.
$36M
5Y CAGR: +4.7%
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