Donegal Group Inc. cash flow to debt ratio of 200.57% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Donegal Group Inc.'s free cash flow has increased 4.09% from $67.44M last year to $70.20M, signaling increasing performance

Donegal Group Inc.'s debt to equity ratio is 0.05, which means that the company's assets are healthy financed, signaling financial stability.

Donegal Group Inc.'s debt has decreased relative to shareholder equity from 0.06 last year to 0.05 today, signaling strengthened financials

Donegal Group Inc. has a net cash position, so leverage is healthy.

Donegal Group Inc.'s interest coverage ratio of 64.91 indicates that earnings with good margin can cover interest payments on company debt

Donegal Group Inc.'s profit margin has increased (43.60%) in the last year from 5.14% to 7.38%, signaling increasing performance

Donegal Group Inc.'s short-term liabilities of $1.74B exceed its short-term assets of $1.29B, signaling financial risk

Donegal Group Inc.'s return on assets of 3.80% is lower than the 5.00% threshold, indicating inefficient asset utilization

Donegal Group Inc.'s return on equity of 11.01%, is lower than 15.00%, indicating bad performance

Donegal Group Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Donegal Group Inc. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

Donegal Group Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Donegal Group Inc. has a free cash flow yield of 10.20%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Donegal Group Inc.'s yearly earnings has increased 55.99% since last year from $50.86M to $79.34M, signaling increasing performance

Donegal Group Inc.'s yearly revenue has decreased 1.17% since last year from $989.61M to $978.01M, signaling decreasing performance

ROIC -8.65% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Donegal Group Inc.'s 3-year revenue CAGR of 4.86% is positive, indicating growing revenue over the past 3 years

Donegal Group Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Donegal Group Inc. had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

Donegal Group Inc. is undervalued relative to its fair value price of 34.31K based on Discounted Cash Flow model

Donegal Group Inc. has an earnings yield of 12.11%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Donegal Group Inc. is undervalued relative to its fair value price of 19.44 based on EBITDA multiple model

Donegal Group Inc. has an EV/EBITDA ratio of 1.98x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Donegal Group Inc. is overvalued relative to its fair value price of 17.13 based on Earnings Fair Value model

Donegal Group Inc. has a PEG-ratio over 1 which is considered overvalued

Donegal Group Inc. has a price-to-book ratio of 10.67x, which exceeds the 5.00x threshold, indicating the stock may be overvalued relative to its book value

Donegal Group Inc. has a price-to-sales ratio of 0.61x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue