Profitability
Weight: 25%
C+
62
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 61.3%
- Loss Ratio Trend -0.27 pp/yr
DGICA
Donegal Group Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
D
39
- 5yr Avg ROE 5.4%
- 5yr Share-Count CAGR 1.2%
Growth Quality
Weight: 10%
B-
63
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 4.4%
- Loss Ratio Trend (growth quality check) -0.27 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
A
88
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 1.1%
- Loss Ratio Stability (σ) 0.03
Balance Sheet
Weight: 25%
A+
99
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 1.44x
- Interest Coverage (EBIT/Int) 73.26x
Stability
Weight: 10%
C-
47
- EPS Volatility (σ/μ) 0.60
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Cooperman new