Donegal Group Inc (NASDAQ:DGICA)
Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.
Profitable, but on a thin margin.
- Revenue
- $963.2M
- Net income
- $71.1M
- Net margin
- 7.4%
Little or no net debt.
- Total debt
- $35.0M
- Cash
- $23.7M
- Net debt / EBITDA
- 0.12x
Owes more within a year than it holds to pay it.
- Current assets
- $1.34B
- Current liabilities
- $1.81B
- Current ratio
- 0.74
The business funds itself from operations.
- Operating cash flow
- $58.4M
- Free cash flow
- $58.4M
- FCF margin
- 6.1%
Not funding itself by issuing shares.
- Shares outstanding
- 31.5M
- Share growth (1y)
- -11.9%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
DGICA Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 241.12 M | 236.00 M | 240.14 M | 245.92 M | 247.15 M | 245.17 M |
| Revenue Growth (YoY) | -2.44 % | -3.74 % | -3.93 % | -2.31 % | 0.15 % | 1.67 % |
| Cost of Revenue | 168.68 M | 178.30 M | 175.50 M | 179.93 M | 190.42 M | 171.26 M |
| Gross Profit | 72.44 M | 57.70 M | 64.64 M | 65.99 M | 56.73 M | 73.91 M |
| SG&A Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 44.89 M | 43.58 M | 43.68 M | 40.94 M | 36.31 M | 42.75 M |
| Operating Income | 27.55 M | 14.12 M | 20.96 M | 25.05 M | 20.42 M | 31.16 M |
| Pretax Income | 27.55 M | 14.12 M | 20.96 M | 25.05 M | 20.42 M | 31.16 M |
| Tax Provision | 5.24 M | 2.61 M | 3.77 M | 4.97 M | 3.56 M | 5.96 M |
| Net Income | 22.31 M | 11.51 M | 17.19 M | 20.08 M | 16.87 M | 25.21 M |
| EPS (Basic) | 0.61 | 0.32 | 0.48 | 0.56 | 0.47 | 0.71 |
| EPS (Diluted) | 0.60 | 0.31 | 0.47 | 0.60 | 0.46 | 0.70 |
| Shares Outstanding | 31.45 M | 36.45 M | 31.21 M | 30.59 M | 35.70 M | 35.70 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.