Core Viewpoint - Donegal Group has released its fourth quarter and full year 2025 earnings results, which are available on its Investor Relations website [1]. Group 1: Earnings Release - The earnings release outlines the financial performance of Donegal Group for the fourth quarter and the entire year of 2025 [1]. - A supplemental investor presentation accompanies the earnings release, providing additional insights into the company's performance [1]. Group 2: Management Team - The conference call features key executives including President and CEO Kevin Burke, CFO Jeff Miller, Chief Underwriting Officer Jeff Hay, COO Dan DeLamater, and Chief Investment Officer Tony Viozzi [1]. - The statements made during the call include forward-looking statements that involve risks and uncertainties [1]. Group 3: Regulatory Compliance - Donegal Group disclaims any obligation to update or publicly announce revisions to forward-looking statements after the date of such statements [2].

Donegal Group, Inc. (NASDAQ:DGICA – Get Free Report) gapped down before the market opened on Thursday following a weaker than expected earnings announcement. The stock had previously closed at $18.61, but opened at $17.08. Donegal Group shares last traded at $17.68, with a volume of 21,453 shares. Get Donegal Group alerts: The insurance provider reported $0.50 earnings per share (EPS) for the quarter, missing the consensus estimate of $0.52 by ($0.02). The firm had revenue of $240.14 million during the qua ...

Donegal Group Inc., a US insurance holding company, has reported a net income of $79.3 million for full year 2025, up 56% compared to $50.9 million in 2024, alongside an improved combined ratio of 95.4% versus 98.6%.For the year, net premiums earned totalled $921.2 million, down 1.7% from $936.7 million in 2024.Net premiums written declined 4% to $904.8 million from $942.3 million, representing 2.9% growth in commercial lines net premiums written and a 13.6% decrease in personal lines net premiums written.D ...

EXHIBIT 99.1 Donegal Group Inc. Announces Fourth Quarter and Full Year 2025 Results MARIETTA, Pa., Feb. 19, 2026 (GLOBE NEWSWIRE) -- Donegal Group Inc. (NASDAQ:DGICA) and (NASDAQ:DGICB) today reported its financial results for the fourth quarter and full year ended December 31, 2025. Significant items for fourth quarter of 2025 (all comparisons to fourth quarter of 2024): Significant items for full year of 2025 (all comparisons to full year of 2024): Financial Summary | | | Three Months Ended December | | | ...

Financial Performance Summary - Donegal Group Inc. reported a net income of $17.2 million for Q4 2025, a decrease of 28.4% compared to $24.0 million in Q4 2024, with diluted Class A earnings per share falling to $0.47 from $0.70 [2][3][43] - For the full year 2025, net income increased to $79.3 million, up 56.0% from $50.9 million in 2024, with diluted Class A earnings per share rising to $2.18 from $1.53 [2][3][45] - Total revenues for Q4 2025 were $240.1 million, down 3.9% from $250.0 million in Q4 2024, while full-year revenues decreased by 1.2% to $978.0 million from $989.6 million [2][3][45] Premiums and Underwriting - Net premiums earned decreased by 4.1% to $226.9 million in Q4 2025, and by 1.7% to $921.2 million for the full year [2][3][45] - The combined ratio for Q4 2025 was 96.3%, up from 92.9% in Q4 2024, while the full-year combined ratio improved to 95.4% from 98.6% [3][12] - The loss ratio for Q4 2025 increased to 61.1% from 59.8% in Q4 2024, while the full-year loss ratio decreased to 61.3% from 64.5% [15][19] Investment Performance - Investment income for Q4 2025 was $14.2 million, a 17.5% increase from $12.1 million in Q4 2024, and for the full year, it rose to $52.6 million from $44.9 million [2][26] - Net investment losses for Q4 2025 were $1.7 million, compared to minimal gains in Q4 2024, attributed to realized losses on strategic sales of fixed-maturity securities [27][28] Strategic Focus and Outlook - The company aims for modest premium growth in 2026 through independent agency partners in identified attractive geographies and business classes [5] - Management emphasized the importance of strategic decisions made over the past years that contributed to solid operating performance [5][6] Book Value and Shareholder Returns - Book value per share increased to $17.33 at the end of 2025, up from $15.36 at the end of 2024, driven by net income and unrealized gains in the investment portfolio [29][45] - The company declared quarterly cash dividends of $0.1825 per share for Class A and $0.165 per share for Class B, paid on February 17, 2026 [35]

Group 1 - Donegal Group Inc. plans to release its fourth quarter and full year results for 2025 on February 19, 2026, before the NASDAQ market opens [1] - A supplemental investor presentation will be available on the company's website at the same time as the earnings press release [1] - The company will host a pre-recorded audio webcast featuring management commentary and a Q&A session on February 19, 2026 [2] Group 2 - Donegal Group Inc. is an insurance holding company offering property and casualty insurance in 21 states across the Mid-Atlantic, Midwest, South, and Southwest regions [3] - The company operates under the Donegal Insurance Group, which has an A.M. Best rating of A (Excellent) [3] - The Class A and Class B common stocks of Donegal Group Inc. trade on the NASDAQ under the symbols DGICA and DGICB, respectively [4] Group 3 - The company focuses on achieving sustained excellent financial performance, modernizing operations, growing profitably, and providing superior experiences to agents, customers, and employees [4]

Core Viewpoint - Donegal Group (DGICA) has underperformed with a return of -1.20% compared to the S&P 500's return of 11% since the last coverage, indicating potential investment opportunities due to its lower trading multiples [1]. Group 1: Company Performance - The company continues to trade at lower multiples relative to its peers, suggesting it may be undervalued [1]. - The performance over the past five years has been analyzed, highlighting the company's position in the market [1]. Group 2: Analyst Perspective - The analyst expresses a strong buy rating for Donegal Group, indicating confidence in its future performance despite recent underperformance [1]. - The analyst's background includes a focus on high-quality stocks that are trading at discounted prices, reflecting a strategic investment approach [1].

Group 1 - The core viewpoint is that Donegal Group (DGICA) has underperformed, returning -1.20% compared to the S&P's 11% return [1] - The company continues to trade at lower multiples relative to its peers, which may present a buying opportunity [1] Group 2 - The analyst has a background in equity analysis and retail investing, focusing on high-quality stocks at discounted prices [1] - The article emphasizes the importance of analytical insights into global market performance [1]

Financial Performance - Net income for Q3 2025 was $20.1 million, or $0.55 per share, compared to $16.8 million, or $0.51 per share, in Q3 2024[131]. - Net income for the first nine months of 2025 was $62.2 million, or $1.72 per share, compared to $26.9 million, or $0.81 per share, in 2024[140]. - Net cash flows from operating activities were $60.2 million for the first nine months of 2025, up from $39.2 million in 2024[143]. Premiums and Underwriting - Net premiums written for the three months ended September 30, 2025, were $219,615,000, compared to $232,208,000 for the same period in 2024, indicating a decrease of about 5.4%[116]. - Net premiums earned for Q3 2025 were $229.8 million, a decrease of $8.2 million, or 3.4%, compared to Q3 2024[123]. - Net premiums written for Q3 2025 were $219.6 million, a decrease of $12.6 million, or 5.4%, from Q3 2024, with commercial lines increasing by 3.4% and personal lines decreasing by 15.9%[124]. - Net premiums earned for the first nine months of 2025 were $694.3 million, a decrease of $5.7 million, or 0.8%, compared to the same period in 2024[132]. - Net premiums written for the first nine months of 2025 were $700.5 million, a decrease of $30.3 million, or 4.1%, from the same period in 2024[133]. Loss Ratios and Reserves - The loss ratio for Q3 2025 was 62.1%, up from 61.5% in Q3 2024, with a core loss ratio of 51.1% compared to 50.1%[127]. - The loss ratio for the insurance subsidiaries was 61.3% for the first nine months of 2025, down from 66.1% in the same period of 2024[136]. - The core loss ratio, excluding weather-related losses, was 51.8% for the first nine months of 2025, compared to 54.5% for the same period in 2024[136]. - The establishment of loss reserves is inherently uncertain, and the ultimate liability may exceed current estimates, impacting financial results[108]. - For every 1% change in loss and loss expense reserves, the pre-tax impact on results of operations would be approximately $7.2 million[107]. Claims and Expenses - The average claim amount has gradually increased due to rising property and automobile repair costs, with significant impacts from inflation and litigation trends[109]. - The company’s insurance subsidiaries have experienced an increase in claims severity and longer settlement periods for bodily injury claims in recent years[107]. - The combined ratio for Q3 2025 was 95.9%, a decrease from 96.4% in Q3 2024, primarily due to a lower expense ratio[129]. - The expense ratio decreased to 33.4% for the first nine months of 2025 from 34.0% in 2024, reflecting expense management initiatives[137]. - The combined ratio improved to 95.1% for the first nine months of 2025, down from 100.6% in 2024, primarily due to a decrease in the loss ratio[138]. Investment Income - Net investment income for Q3 2025 was $13.9 million, an increase of $3.1 million, or 28.8%, compared to Q3 2024[125]. - Net investment income for the first nine months of 2025 was $38.5 million, an increase of $5.6 million, or 17.0%, compared to the same period in 2024[134]. - Net investment gains for the first nine months of 2025 were $2.3 million, down from $4.7 million in the same period of 2024[135]. Liabilities and Reserves - Total liabilities for losses and loss expenses as of September 30, 2025, amounted to $1,114,302,000, a slight decrease from $1,120,985,000 on December 31, 2024[111]. - The total commercial lines liabilities increased to $578,479,000 as of September 30, 2025, compared to $558,175,000 at the end of 2024, reflecting a growth of approximately 3.8%[111]. - The liabilities for reported losses are evaluated on a case-by-case basis, while unreported claims are based on historical data by line of insurance[106]. Weather and Other Losses - Weather-related losses were $48.7 million, contributing 7.0 percentage points to the loss ratio for the first nine months of 2025, down from $60.0 million and 8.6 percentage points in 2024[136]. - Large fire losses were $29.8 million for the first nine months of 2025, compared to $36.2 million in 2024[136]. Dividends and Borrowings - The insurance subsidiaries paid $10.0 million in dividends to the company during the first nine months of 2025[147]. - The company had no outstanding borrowings under its line of credit as of September 30, 2025, with the ability to borrow up to $20.0 million[144].

Core Viewpoint - The article emphasizes the importance of enabling Javascript and cookies in browsers to prevent access issues, particularly when ad-blockers are enabled [1] Group 1 - The article suggests that users may face restrictions if they have ad-blockers enabled, indicating a need for adjustments in browser settings to ensure smooth access [1]