DGICA
Donegal Group A·NASDAQ
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7.71 / 10
Outperform
DGICA's fundamental standing is solid (7.7/10). Key strengths include an impressive 112.2% YoY growth in basic earnings per share and a 134.6% YoY surge in total profit, both ranking in the top performance quartile. Cash-flow from operations also improved by 53.5% YoY. However, the stock underperforms on asset and revenue efficiency (Asset-MV and Revenue-MV factors) and shows only average current-asset turnover. The Net profit attributable to parent company shareholders ratio is 100%, indicating full profit retention, yet the Cash-UP factor remains weak. These mixed signals justify an 'Outperform' but with caveats regarding valuation and efficiency.
Analysis Checks(7/10)
Revenue-MV
Value0.88
Score1/3
Weight1.67%
1M Return0.69%
Value0.88
Score1/3
Weight1.67%
1M Return0.69%
ROE (diluted) (YoY growth rate %)
Value9.16
Score3/3
Weight16.20%
1M Return5.25%
Value9.16
Score3/3
Weight16.20%
1M Return5.25%
Basic earnings per share (YoY growth rate %)
Value112.20
Score3/3
Weight16.40%
1M Return5.12%
Value112.20
Score3/3
Weight16.40%
1M Return5.12%
Net cash flow from operating activities (YoY growth rate %)
Value53.51
Score3/3
Weight17.83%
1M Return5.60%
Value53.51
Score3/3
Weight17.83%
1M Return5.60%
Cash-UP
Value0.18
Score0/3
Weight-6.21%
1M Return-2.91%
Value0.18
Score0/3
Weight-6.21%
1M Return-2.91%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score2/3
Weight7.85%
1M Return2.83%
Value100.00
Score2/3
Weight7.85%
1M Return2.83%
Profit-MV
Value1.33
Score3/3
Weight18.70%
1M Return5.77%
Value1.33
Score3/3
Weight18.70%
1M Return5.77%
Total profit (YoY growth rate %)
Value134.56
Score3/3
Weight16.90%
1M Return5.23%
Value134.56
Score3/3
Weight16.90%
1M Return5.23%
Current assets turnover ratio
Value1.78
Score2/3
Weight7.44%
1M Return2.59%
Value1.78
Score2/3
Weight7.44%
1M Return2.59%
Asset-MV
Value-0.50
Score1/3
Weight3.22%
1M Return1.32%
Value-0.50
Score1/3
Weight3.22%
1M Return1.32%
Revenue-MV
Value0.88
Score1/3
Weight1.67%
1M Return0.69%
Value0.88
Score1/3
Weight1.67%
1M Return0.69%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score2/3
Weight7.85%
1M Return2.83%
Value100.00
Score2/3
Weight7.85%
1M Return2.83%
ROE (diluted) (YoY growth rate %)
Value9.16
Score3/3
Weight16.20%
1M Return5.25%
Value9.16
Score3/3
Weight16.20%
1M Return5.25%
Profit-MV
Value1.33
Score3/3
Weight18.70%
1M Return5.77%
Value1.33
Score3/3
Weight18.70%
1M Return5.77%
Basic earnings per share (YoY growth rate %)
Value112.20
Score3/3
Weight16.40%
1M Return5.12%
Value112.20
Score3/3
Weight16.40%
1M Return5.12%
Total profit (YoY growth rate %)
Value134.56
Score3/3
Weight16.90%
1M Return5.23%
Value134.56
Score3/3
Weight16.90%
1M Return5.23%
Net cash flow from operating activities (YoY growth rate %)
Value53.51
Score3/3
Weight17.83%
1M Return5.60%
Value53.51
Score3/3
Weight17.83%
1M Return5.60%
Current assets turnover ratio
Value1.78
Score2/3
Weight7.44%
1M Return2.59%
Value1.78
Score2/3
Weight7.44%
1M Return2.59%
Cash-UP
Value0.18
Score0/3
Weight-6.21%
1M Return-2.91%
Value0.18
Score0/3
Weight-6.21%
1M Return-2.91%
Asset-MV
Value-0.50
Score1/3
Weight3.22%
1M Return1.32%
Value-0.50
Score1/3
Weight3.22%
1M Return1.32%
Is DGICA fundamentally strong?
- DGICA scores 7.71/10 on fundamentals and holds a Discounted valuation at present. Backed by its 10.60% ROE, 8.72% net margin, 8.07 P/E ratio, 1.11 P/B ratio, and 222.37% earnings growth, these metrics solidify its Outperform investment rating.
