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Donegal Group
Donegal Group (DGICA) investor relations material
Donegal Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary19 Feb, 2026
Executive summary
Achieved record net income of $79.3 million for 2025, up 56% year-over-year, despite a 1.7% decline in net premiums earned, with strong Q4 profitability and improved underwriting.
Q4 2025 net income was $17.2 million, down 28.4% year-over-year, mainly due to lower premiums and higher expenses.
Combined ratio for Q4 2025 was 96.3%, reflecting excellent underwriting profitability, though higher than the prior year due to increased loss and expense ratios.
Book value per share increased 12.8% to $17.33 at year-end 2025, supported by net income and unrealized gains.
Strategic focus for 2026 is on modest premium growth, agent engagement, and maintaining profitability, especially in commercial lines.
Financial highlights
Net premiums earned in Q4 2025 were $226.9 million, down 4.1% year-over-year; net premiums written decreased 3.4%.
Net investment income rose 17.5% in Q4 to $14.2 million, and 17.2% for the full year to $52.6 million.
Commercial lines net premiums written grew 3.2% in Q4 and 2.9% for the year; personal lines net premiums written declined 12.7% in Q4 and 13.6% for the year.
Commercial lines renewal premium increases averaged 9.7% (excluding workers' comp); personal lines averaged 2.9% with 88.7% retention.
Full year 2025 net income: $79.3 million ($2.18 per diluted Class A share), up from $50.9 million ($1.53) in 2024.
Outlook and guidance
2026 business plan targets higher new business submissions, especially in commercial lines, and full migration to cloud-based systems by mid-2027.
Personal lines premium decline expected to subside in 2026 as new business initiatives take effect.
Projected $3 million decrease in reinsurance costs for 2026 due to lower property exposures and rates.
Expense ratio impact from systems modernization project expected to be 1.3 percentage points in 2026, gradually declining thereafter.
Focused on selective, profitable growth and maintaining rate adequacy across all lines.
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Next Donegal Group earnings date
Q1 202623 Apr, 2026
Donegal Group
Next Donegal Group earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Donegal Group Inc is an insurance holding company offering personal and commercial property and casualty insurance through its subsidiaries. The company markets its products in multiple U.S. states, focusing on small to mid-sized businesses and individuals. The company is headquartered in Marietta, Pennsylvania, and its shares are listed on the NASDAQ.
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