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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Donegal Group (DGICA) investor relations material
Donegal Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $16.9M, up from $4.2M in Q2 2024, with EPS (Class A, diluted) up to $0.46; combined ratio improved to 97.7% from 103.0% year-over-year, reflecting better underwriting performance.
Net premiums earned for Q2 2025 were $231.8M, down 1.1% year-over-year, mainly due to planned attrition and lower new business in personal lines.
Book value per share increased to $16.62 at June 30, 2025, up 14.8% year-over-year.
Strategic focus on underwriting discipline, technology modernization, and profitable growth, with a major commercial lines systems release completed.
Six-month net income rose to $42.1M from $10.1M year-over-year.
Financial highlights
Net premiums written in Q2 2025 were $233.8M, down 5.4% year-over-year; commercial lines grew 1.9% while personal lines fell 15.3%.
Net investment income rose 13.3% to $12.5M in Q2 2025.
Combined ratio improved to 97.7% from 103% in Q2 2024; loss ratio decreased to 65.1% from 70.6%.
Expense ratio was 32.2% for Q2 2025, up slightly from 31.9% in Q2 2024.
Annualized return on average equity reached 11.3% in Q2 2025, up from 3.4%.
Outlook and guidance
Action plans from August strategy sessions will guide 2026 business plans, focusing on closing new business gaps and sustaining bottom-line strength.
Management expects systems modernization costs' impact on expense ratio to subside gradually over several years.
Enhanced technology platform rollout to continue through H2 2025, aiming for full deployment by H1 2026.
Expense ratio targeted to decrease by two points from 2024 projections by year-end 2025.
No material changes in risk factors or guidance reported for the remainder of 2025.
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Next Donegal Group earnings date
Q3 202530 Oct, 2025
Next Donegal Group earnings date
Q3 202530 Oct, 2025
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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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