Patricia Gilmartin - Donegal Group Director

DGICA Stock  USD 13.44  0.09  0.67%   

Director

Mrs. Patricia A. Gilmartin is Independent Director of the Company, Mrs. Gilmartin was an employee of Associated Donegal Insurance Brokers from 1969 until her retirement in February 2013. That agency has no affiliation with us, except that Associated Donegal Insurance Brokers receives insurance commissions in the ordinary course of business from our insurance subsidiaries and Donegal Mutual in accordance with their standard commission schedules and agency contracts. Mrs. Gilmartin was a Donegal Mutual director for 37 years and provides valuable input to maintain and enhance the relationships between Donegal Mutual and us and our respective insurance agents. Mrs. Gilmartin, who was a registered insurance agent for over 50 years, helps provide us and our insurance subsidiaries with insight into the concerns of agents. We believe the long experience of Mrs. Gilmartin as an insurance agent and her long association as one of our directors qualifies her to serve on our board of directors. since 1986.
Age 78
Tenure 38 years
Address 1195 River Road, Marietta, PA, United States, 17547-0302
Phone800 877 0600
Webhttps://www.donegalgroup.com

Donegal Group Management Efficiency

The current year's Return On Capital Employed is expected to grow to 0.67, whereas Return On Tangible Assets are forecasted to decline to 0. At present, Donegal Group's Other Assets are projected to increase significantly based on the last few years of reporting. The current year's Other Current Assets is expected to grow to about 314.9 M, whereas Total Assets are forecasted to decline to about 958.3 M. Donegal Group's management efficiency ratios could be used to measure how well Donegal Group manages its routine affairs as well as how well it operates its assets and liabilities.
The company has accumulated 35 M in total debt with debt to equity ratio (D/E) of 0.07, which may suggest the company is not taking enough advantage from borrowing. Donegal Group A has a current ratio of 0.49, indicating that it has a negative working capital and may not be able to pay financial obligations in time and when they become due. Debt can assist Donegal Group until it has trouble settling it off, either with new capital or with free cash flow. So, Donegal Group's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Donegal Group A sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Donegal to invest in growth at high rates of return. When we think about Donegal Group's use of debt, we should always consider it together with cash and equity.

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Donegal Group Inc., an insurance holding company, provides personal and commercial lines of property and casualty insurance to businesses and individuals. Donegal Group Inc. was incorporated in 1986 and is headquartered in Marietta, Pennsylvania. Donegal Group operates under InsuranceProperty Casualty classification in the United States and is traded on NASDAQ Exchange. Donegal Group A (DGICA) is traded on NASDAQ Exchange in USA. It is located in 1195 River Road, Marietta, PA, United States, 17547-0302 and employs 29 people. Donegal Group is listed under Property & Casualty Insurance category by Fama And French industry classification.

Management Performance

Donegal Group A Leadership Team

Elected by the shareholders, the Donegal Group's board of directors comprises two types of representatives: Donegal Group inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Donegal. The board's role is to monitor Donegal Group's management team and ensure that shareholders' interests are well served. Donegal Group's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Donegal Group's outside directors are responsible for providing unbiased perspectives on the board's policies.
Jeffrey Miller, CFO, Principal Accounting Officer and Executive VP
William DeLamater, Executive COO
Scott Berlucchi, Director
Robert Bolinger, Independent Director
Philip Glatfelter, Director
Sanjay Pandey, CIO and Sr. VP
Cyril Greenya, Chief Underwriting Officer and Sr. VP
Robert Long, Senior Counsel
Patricia Gilmartin, Director
Jack Hess, Independent Director
Sewell Moore, Independent Director
Francis Haefner, VP
Jeffrey Jacobsen, VP
Donald Nikolaus, Chairman of The Board, CEO and President and Member of Executive Committee
Robert Shenk, Sr. VP of Claims
Richard Wampler, Independent Director
CPCU CIC, Senior President
Dennis Bixenman, Independent Director
Christina Hoffman, Senior Officer
Kevin Kraft, Director
Kristi Altshuler, Senior Officer
Jon Mahan, Director
Kevin Burke, CEO President
Jeffery Hay, Senior President
Vincent Viozzi, Senior Officer
William Folmar, Senior President
Daniel Wagner, Senior Vice President Treasurer of the Company and Donegal Mutual Insurance Co.
Richard Kelley, Senior Vice President
Barry Huber, Director

Donegal Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Donegal Group a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Donegal Group in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Donegal Group's short interest history, or implied volatility extrapolated from Donegal Group options trading.

Pair Trading with Donegal Group

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Donegal Group position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Donegal Group will appreciate offsetting losses from the drop in the long position's value.

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The ability to find closely correlated positions to Donegal Group could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Donegal Group when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Donegal Group - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Donegal Group A to buy it.
The correlation of Donegal Group is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Donegal Group moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Donegal Group A moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Donegal Group can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
When determining whether Donegal Group A offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Donegal Group's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Donegal Group A Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Donegal Group A Stock:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Donegal Group A. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in main economic indicators.
Note that the Donegal Group A information on this page should be used as a complementary analysis to other Donegal Group's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Watchlist Optimization module to optimize watchlists to build efficient portfolios or rebalance existing positions based on the mean-variance optimization algorithm.

Complementary Tools for Donegal Stock analysis

When running Donegal Group's price analysis, check to measure Donegal Group's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Donegal Group is operating at the current time. Most of Donegal Group's value examination focuses on studying past and present price action to predict the probability of Donegal Group's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Donegal Group's price. Additionally, you may evaluate how the addition of Donegal Group to your portfolios can decrease your overall portfolio volatility.
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Is Donegal Group's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Donegal Group. If investors know Donegal will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Donegal Group listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.128
Dividend Share
0.68
Earnings Share
0.16
Revenue Per Share
28.425
Quarterly Revenue Growth
0.073
The market value of Donegal Group A is measured differently than its book value, which is the value of Donegal that is recorded on the company's balance sheet. Investors also form their own opinion of Donegal Group's value that differs from its market value or its book value, called intrinsic value, which is Donegal Group's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Donegal Group's market value can be influenced by many factors that don't directly affect Donegal Group's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Donegal Group's value and its price as these two are different measures arrived at by different means. Investors typically determine if Donegal Group is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Donegal Group's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.