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  • DONEGAL GROUP INC Financial Overview

  • Income Statement: DGICA

      2008 2007 Change ( 2007 - 2008  )
    Net Sales/Revenues 373.51 M 341.09 M 32.42 M 8.68%
    Gross Profit —%
    Net Income Before Extra Items/Preferred Div 25.54 M 38.28 M -12.74 M -49.87%
    Operating Income 35.11 M 56.20 M -21.09 M -60.06%
  • Cash Flow: DGICA

      2008 2007 Change ( 2007 - 2008  )
    Net Cash Flow - Financing -24.46 M -8.54 M -15.92 M 65.09%
    Net Cash Flow - Investing 30.97 M 14.36 M 16.62 M 53.65%
    Net Cash Flow/Operating Activities 52.97 M 26.65 M 26.32 M 49.69%
  • Balance Sheet: DGICA

      2008 2007 Change ( 2007 - 2008  )
    Total Assets 869.11 M 827.07 M 42.05 M 4.84%
    Total Liabilities 507.24 M 481.35 M 25.89 M 5.10%
    Shareholders Equity 361.87 M 345.72 M 16.15 M 4.46%
  • Key Ratios / Statistics: DGICA

    • Valuation

      Price/Earnings (TTM) 16.77
      Price/Sales (TTM) 1.15
      Price/Book (MRQ) 1.06
      Price/Cash Flow (TTM) 12.25
    • Profitability

      Gross Margin
      Operating Margin 9.40
      Profit Margin 6.84
    • Dividends

      Dividend Paid (TTM) 0.44
      Payout Ratio % (TTM) 70.24
    • Financial Strength

      Quick Ratio (MRQ)
      Current Ratio (MRQ)
      Long Term Debt-to-Equity (MRQ) 4.20
    • Management Effectiveness

      Return on Equity (TTM) 7.19
      Return on Assets (TTM) 2.10
      Return on Investments (TTM) 6.99