Profitability
Weight: 25%
A
89
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.3%
- Operating Margin Trend +1.93 pp/yr
DGICA
Donegal Group Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C-
49
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 5.6%
- 5yr Share-Count CAGR 0.1%
Growth Quality
Weight: 10%
A
89
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 7.9%
- 5yr EPS CAGR 28.1%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 2.93x
Balance Sheet
Weight: 30%
A+
100
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 26.8%
- Interest Coverage (EBIT/Int) 73.26x
Stability
Weight: 10%
C-
47
- EPS Volatility (σ/μ) 0.60
- Piotroski F-Score 5
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 1 gurus held; 1 new buy.
- Holders
- 1
- Avg Δ position
- —
- New buys
- 1
- Full exits
- 0
- Cooperman new