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DGICA vs GLRE

DGICA
Donegal Group Inc.
NEUTRAL
Price
$17.12
Market Cap
$633.5M
Sector
Financial Services
AI Confidence
80%
GLRE
Greenlight Capital Re, Ltd.
NEUTRAL
Price
$18.78
Market Cap
$638.2M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
DGICA
7.85
GLRE
8.46
Forward P/E
DGICA
8.15
GLRE
11.74
P/B Ratio
DGICA
0.99
GLRE
0.9
P/S Ratio
DGICA
0.65
GLRE
0.89
EV/EBITDA
DGICA
5.91
GLRE
7.15

Profitability

Gross Margin
DGICA
10.17%
GLRE
13.34%
Operating Margin
DGICA
8.87%
GLRE
24.31%
Profit Margin
DGICA
8.11%
GLRE
10.37%
ROE
DGICA
13.38%
GLRE
11.14%
ROA
DGICA
2.62%
GLRE
2.23%

Growth

Revenue Growth
DGICA
-3.9%
GLRE
39.7%
Earnings Growth
DGICA
-33.3%
GLRE
--

Financial Health

Debt/Equity
DGICA
0.05
GLRE
0.01
Current Ratio
DGICA
0.49
GLRE
1.65
Quick Ratio
DGICA
0.15
GLRE
0.13

Dividends

Dividend Yield
DGICA
4.26%
GLRE
--
Payout Ratio
DGICA
33.03%
GLRE
0.0%

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%)
GLRE NEUTRAL

GLRE presents a classic value trap profile: fundamentally undervalued but plagued by poor earnings quality and bearish internal sentiment. The Piotroski F-Score of 4/9 indicates stable but mediocre financial health, while the stock trades at a significant discount to its Graham Number ($32.3) and below book value (P/B 0.90). Despite strong top-line revenue growth of 39.7%, the catastrophic YoY EPS decline of -134.3% and consistent earnings misses suggest operational instability. The valuation is attractive, but the combination of bearish insider selling and poor earnings track record offsets the value proposition.

Strengths
Trading below book value (P/B 0.90)
Extremely low leverage (Debt/Equity 0.01)
Strong YoY revenue growth of 39.70%
Risks
Severe YoY EPS contraction (-134.3%)
Consistent failure to meet earnings estimates (1/4 beats in last 4 quarters)
Bearish insider activity with multiple officer sales

Compare Another Pair

DGICA vs GLRE: Head-to-Head Comparison

This page compares Donegal Group Inc. (DGICA) and Greenlight Capital Re, Ltd. (GLRE) 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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