DGICA
Donegal Group Inc.
There isn't enough reported data to score DGICA yet.
GS
The Goldman Sachs Group, Inc.
GS's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
DGICA Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
DGICA's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like DGICA.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
DGICA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $8.91 | -53% |
| Forward | 9.9x | $18.96 | — |
| Current | 11x | $18.96 | — |
| Fair | 13x | $13.85 | -27% |
| Expensive | 66x | $72.34 | +282% |
Historical ranges are pointers, not guarantees.
DGICA has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
DGICA Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Stable | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect DGICA's profitability to improve, with its earnings and revenue holding steady.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over DGICA on the outlook, with more favorable earnings and revenue expectations.
DGICA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.91 | +74% |
| Q3 2021 | $1.10 | -38% |
| Q2 2021 | $1.68 | +7% |
| Q1 2021 | $1.98 | +106% |
| Q4 2020 | $1.77 | +7.9% |
GS has the stronger earnings trend. Trailing diluted EPS is down 38% for DGICA versus GS up 41%.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS's earnings per share have climbed steadily: $69.58 over the past year, up 41% from the year before, and higher year over year for 10 quarters in a row. Its recent earnings include one-off gains.
DGICA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $237.7M | -3.4% |
| Q2 2026 | $241.1M | -2.4% |
| Q1 2026 | $236M | -3.7% |
| Q4 2025 | $240.1M | -3.9% |
| Q3 2025 | $245.9M | -2.3% |
| Q2 2025 | $247.1M | +0.2% |
| Q1 2025 | $245.2M | +1.7% |
| Q4 2024 | $250M | +4.4% |
DGICA's revenue grew through 2023 and has held roughly level since: $238M last quarter, down 3.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 9.3% | -0.9 points |
| Q2 2026 | 11% | +3.2 points |
| Q1 2026 | 6% | -6.7 points |
| Q4 2025 | 8.7% | -3.1 points |
| Q3 2025 | 10% | +2.1 points |
| Q2 2025 | 8.3% | +6.2 points |
| Q1 2025 | 13% | +9.7 points |
| Q4 2024 | 12% | +13 points |
DGICA's operating margin was 9.3% last quarter, down 0.9 points from the same quarter a year ago.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over DGICA on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over DGICA on profitability, with a higher operating margin.
DGICA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $14.9M | -33% |
| Q2 2026 | $5.9M | -51% |
| Q1 2026 | $20.2M | -22% |
| Q4 2025 | $10M | -65% |
| Q3 2025 | $22.4M | +75% |
| Q2 2025 | $12.1M | -44% |
| Q1 2025 | $25.7M | +434% |
| Q4 2024 | $28.2M | +986% |
DGICA has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
DGICA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.8% | +300K shares |
| 1 year | +2.1% | +778K shares |
| 3 years | +13% | +4.2M shares |
| 5 years | +19% | +6.1M shares |
| Available history | +30% | +8.6M shares |
DGICA has 37M diluted shares, up 2.1% from a year ago.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over DGICA on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
DGICA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.0x | Very low |
| Q2 2026 | 0.1x | Very low |
| Q1 2026 | -0.0x | Net Cash |
| Q4 2025 | 0.1x | Very low |
| Q3 2025 | -0.0x | Net Cash |
| Q2 2025 | -0.2x | Net Cash |
| Q1 2025 | -0.3x | Net Cash |
| Q4 2024 | -0.3x | Net Cash |
DGICA's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like DGICA.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over DGICA on leverage, with a lower net debt burden relative to earnings.
DGICA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.5 | Neutral |
| Stochastic | 48.4 | Neutral |
DGICA's weekly RSI is 55 (neutral) and its Stochastic is 48 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
DGICA PE vs Financial Services Sector
| Metric | DGICA | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 16% below |
| PE % | 46 | 63 | 17 pts below |
DGICA has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
DGICA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $18.6 | 2.2% above |
| 20 week MA | $18.9 | 0.5% above |
| 50 week MA | $18.4 | 3% above |
| 100 week MA | $18.3 | 3.9% above |
| 200 week MA | $16.4 | 16% above |
DGICA has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
DGICA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.7 | $14.2 | -3.3% |
| 2021 | $14.2 | $14.2 | +0.4% |
| 2022 | $14.2 | $14.4 | +0.9% |
| 2023 | $14.4 | $14.0 | -2.6% |
| 2024 | $14.0 | $15.4 | +10% |
| 2025 | $15.4 | $20.1 | +30% |
| 2026 YTD | $20.1 | $19.0 | -5.8% |
DGICA has finished higher in four of the last six years. It's down 5.8% so far in 2026.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has the edge over DGICA on returns for 2026, with the stronger performance.