DGICA
Donegal Group A·NASDAQ
--
--(--)
--
--(--)
7.11 / 10
Outperform
Fundamental evaluation is positive (7.1/10). Key strengths include a high current assets turnover ratio (1.776) and an exceptional year-over-year profit growth of 134.557%, indicating efficient asset utilization and robust earnings momentum. However, concerns exist in Cash-UP and Asset-MV metrics, which may cap near-term upside. Historical back-tests show group-specific returns; for instance, the Total profit (YoY) factor in group 4 yields 5.64% monthly return with a 65.4% win rate, reinforcing the fundamental strength despite minor weaknesses.
Analysis Checks(6/10)
Revenue-MV
Value0.87
Score1/3
Weight8.42%
1M Return1.86%
Value0.87
Score1/3
Weight8.42%
1M Return1.86%
PB-ROE
Value-0.76
Score1/3
Weight6.11%
1M Return1.44%
Value-0.76
Score1/3
Weight6.11%
1M Return1.44%
Current assets turnover ratio
Value1.78
Score2/3
Weight12.74%
1M Return2.86%
Value1.78
Score2/3
Weight12.74%
1M Return2.86%
Fixed assets turnover ratio
Value7993.84
Score3/3
Weight12.56%
1M Return2.86%
Value7993.84
Score3/3
Weight12.56%
1M Return2.86%
Asset-MV
Value-0.51
Score0/3
Weight1.49%
1M Return0.42%
Value-0.51
Score0/3
Weight1.49%
1M Return0.42%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score3/3
Weight14.04%
1M Return3.19%
Value100.00
Score3/3
Weight14.04%
1M Return3.19%
Total profit (YoY growth rate %)
Value134.56
Score3/3
Weight27.87%
1M Return5.64%
Value134.56
Score3/3
Weight27.87%
1M Return5.64%
Cash-UP
Value0.18
Score0/3
Weight-9.22%
1M Return-2.80%
Value0.18
Score0/3
Weight-9.22%
1M Return-2.80%
Cost of sales ratio (%)
Value70.54
Score3/3
Weight13.17%
1M Return2.99%
Value70.54
Score3/3
Weight13.17%
1M Return2.99%
Current ratio
Value9.94
Score3/3
Weight12.81%
1M Return2.90%
Value9.94
Score3/3
Weight12.81%
1M Return2.90%
Revenue-MV
Value0.87
Score1/3
Weight8.42%
1M Return1.86%
Value0.87
Score1/3
Weight8.42%
1M Return1.86%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score3/3
Weight14.04%
1M Return3.19%
Value100.00
Score3/3
Weight14.04%
1M Return3.19%
PB-ROE
Value-0.76
Score1/3
Weight6.11%
1M Return1.44%
Value-0.76
Score1/3
Weight6.11%
1M Return1.44%
Total profit (YoY growth rate %)
Value134.56
Score3/3
Weight27.87%
1M Return5.64%
Value134.56
Score3/3
Weight27.87%
1M Return5.64%
Current assets turnover ratio
Value1.78
Score2/3
Weight12.74%
1M Return2.86%
Value1.78
Score2/3
Weight12.74%
1M Return2.86%
Cash-UP
Value0.18
Score0/3
Weight-9.22%
1M Return-2.80%
Value0.18
Score0/3
Weight-9.22%
1M Return-2.80%
Fixed assets turnover ratio
Value7993.84
Score3/3
Weight12.56%
1M Return2.86%
Value7993.84
Score3/3
Weight12.56%
1M Return2.86%
Cost of sales ratio (%)
Value70.54
Score3/3
Weight13.17%
1M Return2.99%
Value70.54
Score3/3
Weight13.17%
1M Return2.99%
Asset-MV
Value-0.51
Score0/3
Weight1.49%
1M Return0.42%
Value-0.51
Score0/3
Weight1.49%
1M Return0.42%
Current ratio
Value9.94
Score3/3
Weight12.81%
1M Return2.90%
Value9.94
Score3/3
Weight12.81%
1M Return2.90%
Is DGICA fundamentally strong?
- DGICA scores 7.11/10 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.
