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Donegal Group (DGICA) Ratios
Donegal Group Ratios
DGICA's free cash flow for Q2 2026 was $5.90M. For the 2026 fiscal year, DGICA's free cash flow was increased by $0.00 and operating cash flow was $5.90M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.74 | 0.84 | 0.00 | 0.00 | 0.00 |
| Quick Ratio | 0.74 | 0.84 | 0.00 | 0.00 | 0.00 |
| Cash Ratio | 0.02 | 0.03 | 0.00 | 0.00 | 0.00 |
| Solvency Ratio | 0.05 | 0.03 | 0.00 | 0.00 | 0.02 |
| Operating Cash Flow Ratio | 0.04 | 0.04 | 0.00 | 0.00 | 0.00 |
| Short-Term Operating Cash Flow Coverage | 2.01 | 1.93 | 0.82 | 1.92 | 2.19 |
| Net Current Asset Value | $ -456.33M | $ -298.07M | $ -1.79B | $ -1.76B | $ -1.72B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 |
| Debt-to-Equity Ratio | 0.05 | 0.06 | 0.07 | 0.07 | 0.07 |
| Debt-to-Capital Ratio | 0.05 | 0.06 | 0.07 | 0.07 | 0.06 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 3.73 | 4.28 | 4.72 | 4.64 | 4.25 |
| Debt Service Coverage Ratio | 2.30 | 1.55 | 0.26 | 0.10 | 0.89 |
| Interest Coverage Ratio | 72.26 | 65.90 | 8.17 | -5.86 | 33.87 |
| Debt to Market Cap | 0.06 | 0.07 | 0.08 | 0.08 | 0.08 |
| Interest Debt Per Share | 1.18 | 1.09 | 1.08 | 1.11 | 1.16 |
| Net Debt to EBITDA | 0.08 | -0.27 | 1.12 | 5.41 | -0.61 |
| Profitability Margins | |||||
| Gross Profit Margin | 26.68% | 22.75% | 100.00% | 100.00% | 100.00% |
| EBIT Margin | 10.12% | 6.39% | 0.61% | -0.36% | 3.83% |
| EBITDA Margin | 10.43% | 6.79% | 1.08% | 0.22% | 4.54% |
| Operating Profit Margin | 9.98% | 6.30% | 0.55% | -0.43% | 3.72% |
| Pretax Profit Margin | 9.98% | 6.30% | 0.55% | -0.43% | 3.72% |
| Net Profit Margin | 8.11% | 5.14% | 0.48% | -0.23% | 3.09% |
| Continuous Operations Profit Margin | 8.11% | 5.14% | 0.48% | -0.23% | 3.09% |
| Net Income Per EBT | 81.30% | 81.59% | 87.40% | 53.86% | 83.24% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 3.32% | 2.18% | 0.20% | -0.09% | 1.12% |
| Return on Equity (ROE) | 12.39% | 9.32% | 0.92% | -0.41% | 4.76% |
| Return on Capital Employed (ROCE) | 15.06% | 11.25% | 0.22% | -0.16% | 1.35% |
| Return on Invested Capital (ROIC) | 11.61% | 8.64% | 12.64% | -5.60% | 72.15% |
| Return on Tangible Assets | 3.43% | 2.25% | 0.20% | -0.09% | 1.12% |
| Earnings Yield | 12.92% | 9.96% | 0.96% | -0.43% | 5.71% |
| Efficiency Ratios | |||||
| Receivables Turnover | 1.64 | 1.59 | 1.47 | 1.33 | 1.26 |
| Payables Turnover | 205.82 | 175.92 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 419.84 | 399.17 | 352.14 | 307.87 | 276.12 |
| Asset Turnover | 0.41 | 0.42 | 0.41 | 0.38 | 0.36 |
| Working Capital Turnover Ratio | -2.65 | -3.23 | 0.00 | 0.00 | 0.00 |
| Cash Conversion Cycle | 221.26 | 226.84 | 248.97 | 274.92 | 290.40 |
| Days of Sales Outstanding | 223.04 | 228.92 | 248.97 | 274.92 | 290.40 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 1.77 | 2.07 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 223.04 | 228.92 | 248.97 | 274.92 | 290.40 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 2.28 | 2.04 | 0.87 | 2.10 | 2.48 |
| Free Cash Flow Per Share | 2.28 | 2.04 | 0.86 | 2.10 | 2.48 |
| Dividend Paid and CapEx Coverage Ratio | 2.73 | 2.97 | 1.30 | 3.27 | 4.02 |
| Capital Expenditure Coverage Ratio | 165175.21 | 0.00 | 640.34 | 0.00 | 0.00 |
| Operating Cash Flow Coverage Ratio | 2.01 | 1.93 | 0.82 | 1.92 | 2.19 |
| Operating Cash Flow to Sales Ratio | 0.07 | 0.07 | 0.03 | 0.08 | 0.09 |
| Free Cash Flow Yield | 11.43% | 13.21% | 6.18% | 14.78% | 17.34% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.00 | 10.04 | 104.47 | -231.81 | 17.52 |
| Price-to-Sales (P/S) Ratio | 0.63 | 0.52 | 0.50 | 0.54 | 0.54 |
| Price-to-Book (P/B) Ratio | 0.96 | 0.94 | 0.96 | 0.94 | 0.83 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.75 | 7.57 | 16.18 | 6.77 | 5.77 |
| Price-to-Operating Cash Flow Ratio | 8.75 | 7.57 | 16.15 | 6.77 | 5.77 |
| Price-to-Earnings Growth (PEG) Ratio | 0.20 | 0.01 | -0.32 | 2.16 | -0.32 |
| Enterprise Value Multiple | 6.10 | 7.33 | 47.31 | 254.43 | 11.32 |
| Enterprise Value | 622.48M | 492.55M | 473.52M | 464.08M | 419.78M |
| EV to EBITDA | 6.10 | 7.33 | 47.31 | 254.43 | 11.32 |
| EV to Sales | 0.64 | 0.50 | 0.51 | 0.55 | 0.51 |
| EV to Free Cash Flow | 8.87 | 7.30 | 16.57 | 6.92 | 5.47 |
| EV to Operating Cash Flow | 8.87 | 7.30 | 16.54 | 6.92 | 5.47 |
| Tangible Book Value Per Share | 18.38 | 14.12 | 14.32 | 14.91 | 16.94 |
| Shareholders’ Equity Per Share | 20.83 | 16.54 | 14.52 | 15.12 | 17.15 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | 0.18 | 0.13 | 0.46 | 0.17 |
| Revenue Per Share | 31.81 | 29.99 | 28.06 | 26.52 | 26.37 |
| Net Income Per Share | 2.58 | 1.54 | 0.13 | -0.06 | 0.82 |
| Tax Burden | 0.81 | 0.82 | 0.87 | 0.54 | 0.83 |
| Interest Burden | 0.99 | 0.99 | 0.89 | 1.21 | 0.97 |
| 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 | 0.00 |
| Income Quality | 0.88 | 1.33 | 6.47 | -34.25 | 3.04 |
Currency in USD