NASDAQ$DGICA

Donegal Group Inc · Q4 2025 earnings

Q4 2025 earnings · · Before market open

Briefing

Donegal Group reported Q4 2025, revenue of $240.1M, net income of $17.2M, diluted EPS of $0.47.

For Q4 2025, Donegal Group reported revenue of $240.1M, net income of $17.2M, diluted EPS was $0.47. Management discusses segment performance, capital allocation, and outlook in the earnings release.

  • Revenue $240.1M.
  • Net income $17.2M.
  • Diluted EPS $0.47.

Headline financials

Total Revenue

$240M

No prior period
EPS (adj)

$0.47

No prior period
Net premiums earned

$227M

No prior period
Investment income, net

$14.2M

No prior period
Net investment (losses) gains

-$1.73M

No prior period
Lease income

$74K

No prior period
Installment payment fees

$749K

No prior period
Net losses and loss expenses

$139M

No prior period
Amortization of deferred acquisition costs

$36.8M

No prior period
Other underwriting expenses

$42.4M

No prior period
Policyholder dividends

$701K

No prior period
Interest

$340K

No prior period
Other expenses, net

$291K

No prior period
Income before income tax expense

$21M

No prior period
Income tax expense

$3.77M

No prior period
Net income per common share: Class A - basic

$0.47

No prior period
Net income per common share: Class A - diluted

$0.47

No prior period
Net income per common share: Class B - basic and diluted

$0.43

No prior period
Weighted-average shares outstanding: Class A - basic

31.2M

No prior period
Weighted-average shares outstanding: Class A - diluted

31.8M

No prior period
Weighted-average shares outstanding: Class B - basic and diluted

5.6M

No prior period
Net premiums written

$204M

No prior period
Book value per common share at end of period

$17.33

No prior period
Combined ratio

96.3%

No prior period
Annualized return on average equity

10.8%

No prior period
Loss ratio

61.1%

No prior period
Expense ratio

34.9%

No prior period
Dividend ratio

0.3%

No prior period
Average investment yield

3.6%

No prior period
Average tax-equivalent investment yield

3.7%

No prior period
Average fixed-maturity duration (years)

5.5

No prior period
Net Income

$17.2M

No prior period
Operating Income

$18.6M

No prior period

Revenue & EPS history

Donegal Group Inc · Revenue · Quarterly

$240M

Q4 2025
Beat estimate in 0 of 1 quarters(0%)
ActualEstimate

Forward guidance

The release discusses Donegal Group's outlook for upcoming periods, including capital allocation, operating priorities, and market risks, without relying solely on numeric EPS bridges.

Tailwinds

  • Donegal Group cites operational execution and demand trends supporting the outlook.
  • Balance sheet and liquidity actions aim to fund growth and returns.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

+0.0%

Avg return

Earnings day

+0.1%

Avg return

5 days after

+1.1%

Avg return

30 days after

55%

17 / 31 earnings

Positive

+3.6%

Q2 2019

Best reaction

-5.6%

Q4 2025

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-4.6%-6.2%-3.7%
Q4 2025-5.6%-6.3%-9.3%
Q3 2025-1.1%+1.3%+8.3%
Q2 2025+0.4%-3.0%-13.1%
Q1 2025-0.9%-1.4%-2.2%
Q3 2024+1.4%+2.6%+6.4%
Q2 2024+0.8%+0.6%+8.6%
Q1 2024+0.2%-1.1%-2.1%
Q3 2023+1.0%+0.2%-1.3%
Q2 2023-1.1%-1.5%-1.6%
Q1 2023+1.4%-1.2%+4.7%
Q3 2022+1.1%+3.3%-0.5%
Q2 2022+0.8%+2.6%+0.3%
Q1 2022+1.3%+4.3%+14.8%
Q3 2021+2.3%+2.0%-3.1%
Q2 2021+0.0%+0.0%-1.2%
Q1 2021-0.5%-3.9%+0.4%
Q3 2020+0.7%+2.7%+1.5%
Q2 2020+1.0%+3.9%+3.7%
Q1 2020+1.9%-6.7%+7.8%
Q3 2019-0.6%+1.9%-0.1%
Q2 2019+3.6%+3.2%+1.8%
Q1 2019+0.0%-2.0%+0.4%
Q3 2018+0.0%-0.1%-5.5%
Q2 2018+0.0%+1.5%+0.0%
Q1 2018-0.9%+1.1%+2.0%
Q3 2017-0.3%+0.4%+3.6%
Q2 2017+0.4%+0.6%+2.4%
Q1 2017-5.4%-4.9%-4.0%
Q3 2016+2.9%+10.4%+12.5%
Q2 2016+0.6%+0.3%+2.7%

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