Donegal Group
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
14.42
Price/Sales ratio
0.50
Earnings per Share (EPS)
$1.03

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
29.3214.5215.0366.55-11.788.807.1617.20-227.81104.4620.83-11.78
Price/Sales ratio
0.720.610.670.640.500.510.480.53982.99K0.490.520.50
Price/Book Value ratio
1.020.951.051.050.960.920.730.810.920.961.010.96
Price/Cash Flow ratio
9.575.857.715.846.055.433.745.666.6516.1512.396.05
Price/Free Cash Flow ratio
10.055.877.765.926.065.443.740.334.6716.17-183.715.44
Price/Earnings Growth ratio
-0.650.190.76-0.850.02-0.030.43-0.292.11-0.33-0.46-0.03
Dividend Yield
3.18%3.71%3.04%3.12%4.05%3.87%4.48%4.39%4.59%4.73%4.45%4.05%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%99.99%100%
Operating Profit Margin
3.04%4.51%6.25%1.85%-5.97%6.97%8.07%3.66%-1866699.65%N/A19.42%-5.97%
Pretax Profit Margin
2.78%5.25%6.01%1.64%-6.27%7.02%8.13%3.71%-801321.58%0.54%3.08%-6.27%
Net Profit Margin
2.48%4.21%4.48%0.96%-4.25%5.80%6.79%3.09%-431497.79%0.47%2.54%-4.25%
Effective Tax Rate
10.71%19.78%25.47%41.25%32.08%17.39%16.52%16.75%46.15%12.59%17.55%17.55%
Return on Assets
0.99%1.74%1.89%0.40%-1.78%2.45%2.44%1.11%-0.08%0.19%1.06%-1.78%
Return On Equity
3.49%6.55%7.02%1.58%-8.21%10.45%10.20%4.75%-0.40%0.92%5.07%-8.21%
Return on Capital Employed
-0.03%-0.03%-0.06%-0.02%-2.59%3.00%3.03%1.34%-0.38%N/A11.58%-2.59%
Liquidity Ratios
Current Ratio
0.400.350.350.360.390.421.14N/AN/AN/A0.530.39
Quick Ratio
1.220.010.010.0121.3738.4318.5340.2335.600.440.5338.43
Cash ratio
0.000.000.000.000.811.321.161.480.570.030.041.32
Days of Sales Outstanding
N/AN/AN/A89.35246.47239.43271.46287.17N/AN/AN/A239.43
Days of Inventory outstanding
N/A-689.68B187.69B467.69BN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/A-689.68B187.69B467.69BN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
17.03M-43.61M11.64M22.09MN/AN/AN/AN/AN/AN/A15.88KN/A
Cash Conversion Cycle
-17.03M-689.64B187.68B467.67BN/AN/AN/AN/AN/AN/A-15.88KN/A
Debt Ratios
Debt Ratio
0.070.100.080.070.000.000.000.010.010.030.010.00
Debt Equity Ratio
0.260.400.320.270.010.010.000.060.070.140.060.01
Long-term Debt to Capitalization
0.120.170.140.120.010.010.000.060.060.06N/A0.01
Total Debt to Capitalization
0.210.290.240.210.010.010.000.060.060.120.060.01
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A52.88N/AN/AN/A228.43N/A
Cash Flow to Debt Ratio
0.390.390.410.6512.7515.2720.222.191.910.401.1915.27
Company Equity Multiplier
3.503.763.703.874.594.264.174.244.634.724.574.57
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.070.100.080.100.080.090.130.09147.81K0.030.040.09
Free Cash Flow / Operating Cash Flow Ratio
0.950.990.990.980.990.990.9916.961.420.99-0.060.99
Cash Flow Coverage Ratio
0.390.390.410.6512.7515.2720.222.191.910.401.1915.27
Short Term Coverage Ratio
0.830.810.871.37N/AN/AN/AN/AN/A0.811.19N/A
Dividend Payout Ratio
93.37%53.99%45.73%208.29%-47.79%34.12%32.14%75.62%-1046.59%494.71%90.32%-47.79%