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Donegal Group (DGICA) investor relations material
Donegal Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income for Q3 2025 was $20.1 million, up 19.9% year-over-year, with diluted EPS of $0.55 for Class A shares and $0.51 for Class B shares, reflecting improved profitability and strong underwriting.
Net premiums earned for Q3 2025 were $229.8 million, down 3.4% year-over-year, with net premiums written declining 5.4% to $219.6 million; commercial lines grew 3.4% while personal lines fell 15.9%.
Book value per share increased 12.6% to $17.14 as of September 30, 2025, supported by net income and after-tax unrealized gains.
Favorable weather led to the lowest Q3 weather loss ratio in 20 years, supporting profitability.
Major systems modernization and technology initiatives, including Guidewire migration and generative AI projects, were completed to drive future operational efficiencies.
Financial highlights
Net income for Q3 2025 increased 20% year-over-year to $20.1 million; nine-month net income rose 131% to $62.2 million.
Net investment income for Q3 2025 rose 28.8% to $13.9 million; year-to-date investment income up 17%.
Combined ratio improved to 95.9% from 96.4% in Q3 2024, with expense ratio down to 33.5%.
Book value per share increased to $17.14, up from $15.36 at year-end 2024.
Quarterly cash dividends declared: $0.1825 per Class A share, $0.165 per Class B share.
Outlook and guidance
2026 business plan will prioritize agency engagement, new business growth, and leveraging technology for operational improvements.
Expense ratio expected to improve as software development costs from modernization project taper off.
Management expects modest declines in personal lines premiums through 2025 and into 2026, with a focus on stable, profitable growth.
Commercial lines portfolio is positioned for measured growth following systems transformation.
Projecting $115 million in portfolio cash flow over the next 12 months with a 3.95% average yield.
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Next Donegal Group earnings date
Q4 202527 Feb, 2026
Next Donegal Group earnings date
Q4 202527 Feb, 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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