DGICA FINANCIAL STATEMENTS

Donegal Group A Inc — balance sheet, income statement and cash flow trends

DGICADonegal Group A Inc

🇺🇸 USA · NASDAQ · Financial Services · Insurance - Property & Casualty

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue969.2 M $-2.5%

Gross Profit281.4 M $+13.2%

Operating Income80.6 M $-6.6%

EBITDA84 M $-8.0%

Net Income65.6 M $-6.4%

Peer Comparison· Insurance - Property & Casualty

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
DGICA	—	—	—	6.8%
TURSG	—	—	—	—
ADM	—	—	—	13.5%
HSX	—	—	—	13.8%
DFY	—	—	—	6.9%
GJF	—	—	—	—
Industry median	—	—	—	10.8%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity649.1 M $27%
Current Liabilities1.8 B $73%
Long-term Liabilities7.9 M $0%

Key Figures

YoY change

Total Assets2.4 B $+3.4%

Total Liabilities1.8 B $+0.9%

Total Equity649.1 M $+11.0%

Cash & ST Investments510.9 M $+17.3%

Total Debt35 M $+0.0%

Net Debt-501.2 K $—

Peer Comparison· Insurance - Property & Casualty

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
DGICA	0.74	5.4%	-5.67	26.5%
TURSG	1.36	0.0%	—	30.1%
ADM	6.56	131.2%	1.47	16.0%
HSX	—	22.8%	0.03	32.4%
DFY	1.25	43.4%	1.65	30.8%
GJF	—	—	—	11.2%
Industry median	0.89	27.1%	-0.70	26.4%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
DGICA	0.74	5.4%	-5.67	26.5%
HIPO	1.17	11.5%	-4.03	21.8%
ACIC	1.26	46.0%	-0.47	33.3%
SAFT	0.82	7.1%	-7.41	35.1%
TRUP	1.73	27.7%	-4.77	42.8%
UVE	0.56	17.2%	-2.35	21.1%
Industry median	0.89	27.1%	-0.70	26.4%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow64.6 M $-26.9%

Capital Expenditures330 $-99.7%

Free Cash Flow64.6 M $-26.9%

Dividends Paid-26.3 M $-213.5%

Peer Comparison· Insurance - Property & Casualty

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
DGICA	6.7%	6.7%	0.0%	98.4%
TURSG	—	—	—	100.0%
ADM	13.2%	7.1%	1.3%	97.9%
HSX	0.9%	0.9%	0.1%	6.8%
DFY	8.1%	6.3%	1.8%	116.7%
GJF	—	—	—	—
Industry median	16.6%	15.9%	0.6%	149.9%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
DGICA	6.7%	6.7%	0.0%	98.4%
HIPO	11.1%	9.0%	2.1%	47.4%
ACIC	11.6%	11.6%	6.1%	37.1%
SAFT	13.7%	13.4%	0.3%	276.5%
TRUP	5.9%	5.1%	0.9%	341.6%
UVE	21.9%	21.6%	0.3%	178.5%
Industry median	16.6%	15.9%	0.6%	149.9%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.