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DGICA vs EMD

DGICA
Donegal Group Inc.
NEUTRAL
Price
$17.12
Market Cap
$633.5M
Sector
Financial Services
AI Confidence
80%
EMD
Western Asset Emerging Markets Debt Fund Inc.
BULLISH
Price
$10.74
Market Cap
$624.3M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
DGICA
7.85
EMD
6.17
Forward P/E
DGICA
8.15
EMD
--
P/B Ratio
DGICA
0.99
EMD
0.96
P/S Ratio
DGICA
0.65
EMD
9.17
EV/EBITDA
DGICA
5.91
EMD
--

Profitability

Gross Margin
DGICA
10.17%
EMD
100.0%
Operating Margin
DGICA
8.87%
EMD
87.08%
Profit Margin
DGICA
8.11%
EMD
148.51%
ROE
DGICA
13.38%
EMD
15.93%
ROA
DGICA
2.62%
EMD
4.34%

Growth

Revenue Growth
DGICA
-3.9%
EMD
-3.0%
Earnings Growth
DGICA
-33.3%
EMD
48.2%

Financial Health

Debt/Equity
DGICA
0.05
EMD
0.37
Current Ratio
DGICA
0.49
EMD
0.07
Quick Ratio
DGICA
0.15
EMD
0.07

Dividends

Dividend Yield
DGICA
4.26%
EMD
10.61%
Payout Ratio
DGICA
33.03%
EMD
64.22%

AI Verdict

DGICA NEUTRAL

DGICA shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Mixed signals with both opportunities and risks present.

Strengths
Attractive valuation with P/E of 7.9
Undervalued vs Graham Number ($29.15)
Low debt with D/E ratio of 0.05
Risks
Weak financial trend (Piotroski F-Score: 3/9)
Declining revenue (-3.9%)
EMD BULLISH

EMD exhibits strong value characteristics with a stable Piotroski F-Score of 6/9 and significant undervaluation relative to its Graham Number ($20.97) and Intrinsic Value ($51.33). The fund is trading at a low P/E of 6.17 and a Price/Book of 0.96, suggesting a deep discount to its underlying assets. While technical trends and insider sentiment are currently bearish, the combination of a 10.61% dividend yield and robust earnings growth (48.20%) provides a strong fundamental floor.

Strengths
Significant undervaluation relative to Graham Number ($20.97) and Intrinsic Value ($51.33)
High dividend yield of 10.61% with a sustainable payout ratio of 64.22%
Strong earnings growth of 48.20% YoY
Risks
Bearish technical trend (0/100) indicating short-term price pressure
Weak insider sentiment (40/100) suggesting lack of internal confidence
Extremely low current and quick ratios (0.07), though typical for closed-end funds

Compare Another Pair

DGICA vs EMD: Head-to-Head Comparison

This page compares Donegal Group Inc. (DGICA) and Western Asset Emerging Markets Debt Fund Inc. (EMD) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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