All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2026-06-17.
From the record
Donegal Group, Inc.'s filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2026-06-17) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+4% a year over 10 filed years; profitable in 8 of 10.
From the record
Donegal Group, Inc.'s 10 filed years say what it did: revenue went from $688 million in fiscal 2016 to $978 million in fiscal 2025, up 4% a year; it rose in 7 of 9 years; the deepest fall was 4% from fiscal 2019 to fiscal 2020; net income was positive in 8 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
SI estimate 7.5/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Donegal Group, Inc.'s shareholder treatment is put at 7.5 of 10 with a confidence of 35 of 100, because read from one part only, the cash returned against operating cash flow, which ranks in the top 25% of 60 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they doing right now?
Is it financially healthy right now?
ROE 12%: 12¢ of profit per shareholder dollar. Leverage 73%: owes 73¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Donegal Group, Inc. earned about 12 cents of profit for every dollar of shareholders' money. Leverage: it owed about 73 cents per dollar of assets (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 28% of 60 in its family; net margin 8.1%.
From the record
Donegal Group, Inc.'s standing among 60 graded names in its industry family: revenue of $978 million in fiscal 2025 ranks in the bottom 40% by size; a net margin of 8.1% ranks in the bottom 23%; revenue growth of 4.9% a year over the last 3 filed years ranks in the bottom 20% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 28% of 47 in its family for leadership; chief executive since 2015.
From the record
Donegal Group, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Burke, Kevin Gerard (President & Chief Exec Officer, as filed), filing under that title since 2015-08-31, 11.2 years (top 18% of its family); the 25 officers and directors filing in the last fifteen months have been on the record a median of 6.5 years (bottom 46%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 25 people in charge now (top 11%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 37% of 60 in its family for room to expand.
From the record
Donegal Group, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $27 million against no long-term debt tagged leaves 1.1% of its assets as net cash, bottom 42% of its family; cash from operations less capital spending is 7.2% of revenue (bottom 32%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 21% of 56 in its family for growth drivers.
From the record
Donegal Group, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 4.9% a year over the last three filed years against 4% over all 10, speeding up (bottom 30% of its family); the newest year grew -1.2% (bottom 18%); capital spending grew -41.2% a year (bottom 15%) (its annual reports). Donegal Group, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 39% of 56 in its family for expectations against reality.
From the record
Donegal Group, Inc.'s newest year against its own record: revenue of $978 million in fiscal 2025 came in 8.5% below the $1.1 billion its prior three years' pace pointed to (bottom 38% of its family); net income of $79 million against a prior three-year average of $18 million (top 18%); a net margin of 8.1% against 1.8% before (top 37%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made