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DGICB vs GDOT

DGICB
Donegal Group Inc.
NEUTRAL
Price
$17.69
Market Cap
$687.5M
Sector
Financial Services
AI Confidence
80%
GDOT
Green Dot Corporation
BEARISH
Price
$12.20
Market Cap
$677.9M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
DGICB
8.11
GDOT
--
Forward P/E
DGICB
--
GDOT
7.31
P/B Ratio
DGICB
1.02
GDOT
0.76
P/S Ratio
DGICB
0.7
GDOT
0.33
EV/EBITDA
DGICB
6.12
GDOT
--

Profitability

Gross Margin
DGICB
10.17%
GDOT
0.0%
Operating Margin
DGICB
8.87%
GDOT
-2.66%
Profit Margin
DGICB
8.11%
GDOT
-4.77%
ROE
DGICB
13.38%
GDOT
-11.21%
ROA
DGICB
2.62%
GDOT
-1.73%

Growth

Revenue Growth
DGICB
-3.9%
GDOT
14.8%
Earnings Growth
DGICB
-33.3%
GDOT
--

Financial Health

Debt/Equity
DGICB
0.05
GDOT
--
Current Ratio
DGICB
0.49
GDOT
--
Quick Ratio
DGICB
0.15
GDOT
--

Dividends

Dividend Yield
DGICB
3.73%
GDOT
--
Payout Ratio
DGICB
29.82%
GDOT
0.0%

AI Verdict

DGICB NEUTRAL

DGICB 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 8.1
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%)
GDOT BEARISH

GDOT exhibits severe fundamental weakness, highlighted by a Piotroski F-Score of 2/9, indicating poor financial health and deteriorating operational efficiency. While the stock appears undervalued on a Price-to-Book (0.76) and Price-to-Sales (0.33) basis, this is offset by negative profit margins and a catastrophic -120% year-over-year EPS growth. Despite consistent revenue growth of 14.8%, the company is failing to translate top-line gains into bottom-line profitability. The combination of bearish insider activity and a long-term 5-year price collapse of 72.8% suggests a value trap rather than a recovery play.

Strengths
Strong revenue growth (14.8% YoY)
Trading below book value (P/B 0.76)
Low Price-to-Sales ratio (0.33)
Risks
Critical financial health (Piotroski F-Score 2/9)
Severe earnings collapse (-120% YoY EPS growth)
Negative Return on Equity (-11.21%) and Profit Margin (-4.77%)

Compare Another Pair

DGICB vs GDOT: Head-to-Head Comparison

This page compares Donegal Group Inc. (DGICB) and Green Dot Corporation (GDOT) 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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