Donegal Group Inc. (DGICA) intrinsic value & 10-year financials
Donegal Group Inc. (DGICA) has no Graham intrinsic value right now because the formula needs positive earnings. Over the last 10 fiscal years revenue grew 4.0% a year to $978.0M, with an average return on invested capital of 5.2%.
- Graham intrinsic value
- —
- Share price (Oct 17, 2026)
- $18.68
- Revenue (FY2025)
- $978.0M
- Revenue growth (10-yr CAGR)
- 4.0%
- ROIC (10-yr avg)
- 5.2%
- Free cash flow (FY2025)
- —
DGICA 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $978.0M | $79.3M | — | — | — | 13.4% |
| FY2024 | $989.6M | $50.9M | — | — | — | 9.9% |
| FY2023 | $927.3M | $4.4M | — | — | — | 0.9% |
| FY2022 | $848.2M | -$2.0M | — | — | — | -0.4% |
| FY2021 | $816.5M | $25.3M | — | — | — | 4.8% |
| FY2020 | $777.8M | $52.8M | — | — | — | 10.9% |
| FY2019 | $812.5M | $47.2M | — | — | — | 11.1% |
| FY2018 | $771.8M | -$32.8M | — | — | — | -7.7% |
| FY2017 | $739.0M | $7.1M | — | — | — | 1.6% |
| FY2016 | $688.4M | $30.8M | — | — | — | 7.0% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
DONEGAL GROUP INC has demonstrated mature, steady growth, with revenue compounding at 4.0% annually over the past decade.
DONEGAL GROUP INC 10-year average ROIC is N/A; capital efficiency cannot be assessed from the available history.
DONEGAL GROUP INC capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, DONEGAL GROUP INC is modeled at 4.0% normalized earnings growth with a 5.1% bond-yield adjustment.