DGICA PEER ANALYSIS

Donegal Group A Inc — metric-by-metric comparison with peers and the industry median

DGICADonegal Group A Inc

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

Value it Duel

Overall Profile & Returns

· Insurance - Property & Casualty

Position Within Industry

0 = weak quartile, 100 = strong quartile

DGICAIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	DGICA	TURSG	ADM	HSX	DFY	GJF	Ind. Median
P/E	10.86	2.82●	15.22	7.83	23.76	—	12.75
P/B	1.10●	1.10	7.83	2.16	2.28	6.20	2.09
EV/EBITDA	2.82●	—	11.94	9.94	14.28	—	7.40
P/S	—	—	—	—	—	—	—

Financial Health
Metric	DGICA	TURSG	ADM	HSX	DFY	GJF	Ind. Median
Current Ratio	0.74	1.36	6.56●	—	1.25	—	0.89
Debt/Equity	5.4%	0.0%●	131.2%	22.8%	43.4%	—	27.1%
NetDebt/EBITDA	-5.67●	—	1.47	0.03	1.65	—	-0.70

Profitability
Metric	DGICA	TURSG	ADM	HSX	DFY	GJF	Ind. Median
Net Margin	6.8%	—	13.5%	13.8%●	6.9%	—	10.8%
ROE	10.6%	49.4%	52.8%●	28.5%	10.5%	—	18.0%
ROA	2.7%	14.1%●	8.8%	9.3%	3.7%	—	4.4%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	DGICA	TURSG	ADM	HSX	DFY	GJF	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-6.4%	55.4%●	12.0%	5.2%	-6.5%	—	42.9%
Div. Yield	3.8%	—	4.3%●	2.7%	1.0%	3.7%	1.9%
Payout	40.1%	—	96.3%	12.5%	23.9%	—	33.8%

Valuation
Metric	DGICA	HIPO	ACIC	SAFT	TRUP	UVE	Ind. Median
P/E	10.86	6.78	5.49●	17.82	45.57	6.33	12.75
P/B	1.10●	1.70	1.73	1.31	2.98	2.12	2.09
EV/EBITDA	2.82	2.53	3.04	4.61	15.65	2.20●	7.40
P/S	—	—	—	—	—	—	—

Financial Health
Metric	DGICA	HIPO	ACIC	SAFT	TRUP	UVE	Ind. Median
Current Ratio	0.74	1.17	1.26	0.82	1.73●	0.56	0.89
Debt/Equity	5.4%●	11.5%	46.0%	7.1%	27.7%	17.2%	27.1%
NetDebt/EBITDA	-5.67	-4.03	-0.47	-7.41●	-4.77	-2.35	-0.70

Profitability
Metric	DGICA	HIPO	ACIC	SAFT	TRUP	UVE	Ind. Median
Net Margin	6.8%	23.4%	31.3%●	5.0%	1.7%	12.2%	10.8%
ROE	10.6%	29.2%	35.4%	7.4%	7.1%	38.9%●	18.0%
ROA	2.7%	6.2%	9.7%●	2.7%	2.9%	7.1%	4.4%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	DGICA	HIPO	ACIC	SAFT	TRUP	UVE	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-6.4%	—	42.6%	-13.1%	—	193.5%●	42.9%
Div. Yield	3.8%	—	6.4%●	4.8%	—	1.5%	1.9%
Payout	40.1%	—	34.9%	85.5%	—	11.4%	33.8%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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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.