Donegal Group Earnings Calls

Mar 31, 2025
$0.720 (100.00%)
Release date Apr 24, 2025
EPS estimate $0.360
EPS actual $0.720
EPS Surprise 100.00%
Revenue estimate 249.364M
Revenue actual 245.174M
Revenue Surprise -1.68%
Dec 31, 2024
$0.690 (130.00%)
Release date Feb 20, 2025
EPS estimate $0.300
EPS actual $0.690
EPS Surprise 130.00%
Revenue estimate 255.036M
Revenue actual 249.954M
Revenue Surprise -1.99%
Sep 30, 2024
$0.460 (360.00%)
Release date Oct 24, 2024
EPS estimate $0.100
EPS actual $0.460
EPS Surprise 360.00%
Revenue estimate 249.828M
Revenue actual 251.737M
Revenue Surprise 0.764%
Jun 30, 2024
$0.110 (57.14%)
Release date Jul 25, 2024
EPS estimate $0.0700
EPS actual $0.110
EPS Surprise 57.14%
Revenue estimate 241.93M
Revenue actual 246.773M
Revenue Surprise 2.00%

Last 4 Quarters for Donegal Group

Below you can see how DGICA performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.

Jun 30, 2024 Beat
Release date Jul 25, 2024
Price on release $14.82
EPS estimate $0.0700
EPS actual $0.110
EPS surprise 57.14%
Date Price
Jul 19, 2024 $13.60
Jul 22, 2024 $13.74
Jul 23, 2024 $14.00
Jul 24, 2024 $14.03
Jul 25, 2024 $14.82
Jul 26, 2024 $14.88
Jul 29, 2024 $14.83
Jul 30, 2024 $14.97
Jul 31, 2024 $14.73
4 days before 8.97%
4 days after -0.607%
On release day 0.405%
Change in period 8.31%
Sep 30, 2024 Beat
Release date Oct 24, 2024
Price on release $15.79
EPS estimate $0.100
EPS actual $0.460
EPS surprise 360.00%
Date Price
Oct 18, 2024 $14.88
Oct 21, 2024 $14.60
Oct 22, 2024 $14.45
Oct 23, 2024 $14.54
Oct 24, 2024 $15.79
Oct 25, 2024 $15.16
Oct 28, 2024 $15.42
Oct 29, 2024 $15.65
Oct 30, 2024 $15.46
4 days before 6.12%
4 days after -2.09%
On release day -3.99%
Change in period 3.90%
Dec 31, 2024 Beat
Release date Feb 20, 2025
Price on release $15.58
EPS estimate $0.300
EPS actual $0.690
EPS surprise 130.00%
Date Price
Feb 13, 2025 $15.32
Feb 14, 2025 $15.21
Feb 18, 2025 $15.19
Feb 19, 2025 $15.17
Feb 20, 2025 $15.58
Feb 21, 2025 $15.58
Feb 24, 2025 $15.96
Feb 25, 2025 $16.62
Feb 26, 2025 $16.99
4 days before 1.70%
4 days after 9.05%
On release day 0%
Change in period 10.90%
Mar 31, 2025 Beat
Release date Apr 24, 2025
Price on release $19.55
EPS estimate $0.360
EPS actual $0.720
EPS surprise 100.00%
Date Price
Apr 17, 2025 $18.24
Apr 21, 2025 $17.85
Apr 22, 2025 $18.64
Apr 23, 2025 $18.55
Apr 24, 2025 $19.55
Apr 25, 2025 $19.16
Apr 28, 2025 $19.43
Apr 29, 2025 $19.42
Apr 30, 2025 $19.35
4 days before 7.18%
4 days after -1.02%
On release day -1.99%
Change in period 6.09%

Donegal Group Earnings Call Transcript Summary of Q1 2025

Donegal Group First Quarter 2025 Earnings Call Summary for Investors

1. Record Earnings: Donegal Group reported record earnings for the first quarter of 2025, surpassing previous quarters, driven by lower weather-related and large fire losses, alongside improvements in core loss ratios for both commercial and personal lines.

2. Financial Highlights:

  • Net Premiums Earned: Increased by 2.2% to $232.7 million.
  • Net Premiums Written: Decreased by 1.7%, attributed to lower new business volume and planned attrition, though offset by substantial premium rate increases.
  • Combined Ratio: Improved significantly to 91.6%, a 10.8 percentage point improvement year-over-year.
  • Net Investment Income: $12 million for the quarter, contributing to strong after-tax net income of $25.2 million, up from $6 million in the prior year.

3. Commercial Lines:

  • Net premiums written rose by 3.3% with rate increases averaging 11.5%.
  • Strong growth was seen despite increased competition and margin pressures in workers' compensation.

4. Personal Lines:

  • Experienced a 9.9% decrease in net premiums written due to strategic non-renewals and limited new business to improve profitability.
  • Retention rate was healthy at 86.7%.

5. Underwriting Improvements:

  • Significant improvements in core loss ratios across major lines, with substantial decreases in both personal and commercial lines due to premium rate adjustments and lower loss frequencies.

6. Systems Modernization:

  • Progress is ongoing with the technology roadmap and modernization efforts, successfully deploying parts of the software for personal and commercial lines, enhancing operational capabilities.

7. Economic Monitoring:

  • The company is carefully monitoring potential impacts of economic uncertainty, tariff policies, and inflation on claims costs, particularly in auto repairs and construction.

8. Strategic Initiatives:

  • Emphasis on underwriting discipline and the pruning of less profitable business segments to position for sustainable growth.

9. Dividend Announcement:

  • A cash dividend increase was announced, reflecting confidence in ongoing business strategies and commitment to financial performance.

10. Forward Guidance:

  • The management expressed optimism about continued performance improvements and strategic initiatives aimed at leveraging technology for competitive advantage in the insurance market.

Conclusion

Donegal Group demonstrates robust performance with a focus on disciplined underwriting, operational efficiency, and strategic modernization. Investors should note the strong financial metrics, forward guidance, and commitment to returning value through dividends, all contributing to a positive outlook for the company.

Donegal Group Earnings History

Earnings Calendar

FAQ

When is the earnings report for DGICA?
Donegal Group (DGICA) has scheduled its earnings report for Jul 24, 2025 before the markets open.

What is the DGICA price-to-earnings (P/E) ratio?
DGICA P/E ratio as of Jun 20, 2025 (TTM) is 9.65.

What is the DGICA EPS forecast?
The forecasted EPS (Earnings Per Share) for Donegal Group (DGICA) for the first fiscal quarter 2025 is $0.390.

What are Donegal Group's retained earnings?
On its balance sheet, Donegal Group reported retained earnings of $245.17 million for the latest quarter ending Mar 31, 2025.

What Is an Earnings Report?
An earnings report is usually issued quarterly (Q1, Q2, Q3 & Q4) by public companies to report their performance. Earnings reports typically include net income, earnings per share, earnings from continuing operations, and net sales. Looking at the earnings report investors can start gauge the financial health of the company and make even better decisions whether to buy, sell, or stay in the company. Fundamental analysts and value investors will typically hunt for stocks that continue to show good financial ratios and use a decline as an exit point. One of the most anticipated numbers for analysis is earnings per share because it indicates how much the company earned for its shareholders. The report will also indicate a possible dividend.

Earnings Report Content
Earnings reports generally provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. These figures are typically measured against previous quarters/years. Furthermore, the earnings report usually includes a summary and analysis from the CEO or company spokesman, alongside a more general view of the financials and future forecast.

What To Know About Earnings Reports?
Announcement of earnings for a stock, particularly for well followed large-capitalization stocks, can move the market. Stock prices can fluctuate wildly on days when the quarterly earnings report is released. Despite good reports, stocks may very well fall if the investors were expecting more or they believe the next quarter will not be as good. Investors always try to be ahead of the market and future earnings/losses are often discounted into the current price of the stock. It is natural for stocks to start to move in either direction a few days before the release of an earnings report.
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ABOUT DONEGAL GROUP
Donegal Group
Donegal Group Inc., an insurance holding company, provides personal and commercial lines of property and casualty insurance to businesses and individuals. It operates through three segments: Investment Function, Personal Lines of Insurance, and Commercial Lines of Insurance. The company offers private passenger automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents, as...
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