Last 47 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Donegal Group Inc.'s quarterly P/E stands at 10.6x, up 100.6% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 86.7% YoY to 7.5x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 7.90 | 10.63 | 8.08 | 10.88 | 7.01 | 5.30 | 7.37 | 24.77 | 19.64 | — | — | 60.13 | 23.88 |
| — | +100.6% | +9.6% | -56.1% | -64.3% | — | — | -58.8% | -17.7% | — | — | — | +206.2% | |
| P/S Ratio | 0.64 | 0.66 | 0.61 | 0.74 | 0.72 | 0.51 | 0.49 | 0.44 | 0.49 | 0.49 | 0.51 | 0.52 | 0.56 |
| — | +29.1% | +24.4% | +68.8% | +47.1% | +5.2% | -2.8% | -16.2% | -12.5% | -6.2% | -1.2% | -21.2% | +10.5% | |
| P/B Ratio | 0.84 | 0.99 | 0.96 | 1.20 | 1.21 | 0.94 | 0.97 | 0.89 | 0.97 | 0.97 | 1.00 | 0.98 | 1.02 |
| — | +5.7% | -0.6% | +35.1% | +24.1% | -3.5% | -3.6% | -9.4% | -4.5% | +1.4% | +10.4% | -7.1% | +27.0% | |
| P/FCF | 8.91 | 15.92 | 6.74 | 15.00 | 6.86 | 4.54 | 9.73 | 4.96 | 24.52 | 44.87 | 9.14 | 8.68 | — |
| — | +251.0% | -30.7% | +202.2% | -72.0% | -89.9% | +6.5% | -42.8% | — | +566.7% | +24.8% | -8.3% | — | |
| EV / EBITDA | 6.29 | 7.52 | 5.81 | 8.27 | 5.26 | 4.03 | 5.87 | 18.56 | 14.84 | — | 6662.00 | 36.67 | 17.37 |
| — | +86.7% | -1.0% | -55.5% | -64.5% | — | -99.9% | -49.4% | -14.6% | — | — | — | +205.4% | |
| EV / EBIT | 6.49 | 7.55 | 5.90 | 8.49 | 5.38 | 4.12 | 6.04 | 21.35 | 16.47 | — | — | 50.60 | 19.98 |
| — | +83.0% | -2.4% | -60.2% | -67.4% | — | — | -57.8% | -17.6% | — | — | — | +227.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Donegal Group Inc.'s operating margin was 8.7% in Q4 2025, down 1.5 pp QoQ and down 3.1 pp YoY. The trailing four-quarter average of 10.0% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 26.7% | 26.9% | 26.8% | 23.0% | 30.1% | 27.5% | 25.9% | 16.5% | 21.0% | 15.5% | 16.2% | 17.5% | 21.7% |
| — | -2.0% | +3.7% | +39.0% | +43.5% | +77.0% | +59.6% | -5.4% | -3.4% | -6.4% | +59.9% | +29.6% | -18.8% | |
| Operating Margin | 10.0% | 8.7% | 10.2% | 8.3% | 12.7% | 11.9% | 8.1% | 2.0% | 3.0% | -1.0% | -0.4% | 1.0% | 2.8% |
| — | -26.5% | +25.6% | +306.9% | +322.8% | +1245.3% | +1986.5% | +106.6% | +7.3% | -156.7% | +93.2% | +119.0% | -64.2% | |
| Net Margin | 8.1% | 7.2% | 8.2% | 6.8% | 10.3% | 9.6% | 6.7% | 1.7% | 2.5% | -0.8% | -0.3% | 0.9% | 2.3% |
| — | -25.5% | +22.7% | +305.5% | +316.3% | +1267.2% | +2032.7% | +93.1% | +6.7% | -152.8% | +92.9% | +121.7% | -63.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.4% | 2.7% | 3.3% | 2.8% | 4.5% | 4.5% | 3.4% | 0.9% | 1.2% | -0.4% | -0.2% | 0.4% | 1.1% |
| — | -40.2% | -3.0% | +230.7% | +261.2% | +1196.4% | +2100.5% | +110.2% | +15.9% | -157.3% | +92.0% | +125.7% | -57.2% | |
| ROA | 3.4% | 0.7% | 0.8% | 0.7% | 1.1% | 1.0% | 0.7% | 0.2% | 0.3% | -0.1% | -0.0% | 0.1% | 0.2% |
| — | -30.3% | +16.2% | +293.7% | +310.3% | +1277.2% | +2121.8% | +105.0% | +13.5% | -156.1% | +92.3% | +123.9% | -60.7% | |
| ROIC | 12.4% | 2.5% | 3.1% | 2.7% | 4.3% | 4.2% | 3.0% | 0.8% | 1.1% | -0.4% | -0.2% | 0.3% | 0.9% |
| — | -41.8% | +3.1% | +256.1% | +293.4% | +1213.5% | +2063.4% | +124.0% | +16.0% | -161.2% | +92.2% | +121.8% | -60.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Donegal Group Inc.'s Debt/EBITDA ratio is 1.6x, up from 1.4x last quarter — comfortably within a safe range. The current ratio has weakened 11.4% YoY to 0.74x, tightening the short-term liquidity position. Debt/Equity has declined for 7 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.05 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 |
| — | -14.8% | -18.2% | -20.1% | -17.0% | -12.1% | -7.8% | +0.4% | +1.7% | +0.8% | +1.7% | +5.1% | +6.2% | |
| Debt / EBITDA | 0.35 | 1.64 | 1.36 | 1.64 | 1.09 | 1.14 | 1.64 | 5.89 | 4.26 | — | 1921.81 | 10.53 | 4.72 |
| — | +43.4% | -17.0% | -72.1% | -74.5% | — | -99.9% | -44.1% | -9.7% | — | — | — | +136.8% | |
| Current Ratio | 0.74 | 0.74 | 0.74 | 0.72 | 0.69 | 0.84 | 0.67 | — | — | — | — | — | — |
| — | -11.4% | +9.9% | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 0.74 | 0.74 | 0.74 | 0.72 | 0.69 | 0.84 | 0.67 | — | — | — | — | — | — |
| — | -11.4% | +9.9% | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 73.26 | 62.56 | 74.58 | 61.66 | 94.56 | 111.18 | 56.53 | 33.42 | 47.89 | -14.92 | -5.43 | 15.57 | 42.16 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Donegal Group Inc.'s current P/E is 7.9x. The average P/E over the last 4 quarters is 9.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Donegal Group Inc.'s current operating margin is 10.0%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Donegal Group Inc.'s business trajectory between earnings reports.