Protective Insurance (PTVCB) versus Donegal Group (DGICB) Financial Survey

Protective Insurance (NASDAQ:PTVCB) and Donegal Group (NASDAQ:DGICB) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their profitability, risk, institutional ownership, valuation, dividends, earnings and analyst recommendations.

Profitability

This table compares Protective Insurance and Donegal Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Protective Insurance 1.59% -0.37% -0.11%
Donegal Group -2.65% -4.19% -1.00%

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Protective Insurance and Donegal Group, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Protective Insurance 0 0 0 0 N/A
Donegal Group 0 0 0 0 N/A

Earnings and Valuation

This table compares Protective Insurance and Donegal Group’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Protective Insurance $371.23 million 0.82 $18.32 million N/A N/A
Donegal Group $739.03 million 0.53 $7.11 million N/A N/A

Protective Insurance has higher earnings, but lower revenue than Donegal Group.

Dividends

Protective Insurance pays an annual dividend of $1.12 per share and has a dividend yield of 5.5%. Donegal Group pays an annual dividend of $0.50 per share and has a dividend yield of 3.6%.

Volatility & Risk

Protective Insurance has a beta of 0.45, meaning that its stock price is 55% less volatile than the S&P 500. Comparatively, Donegal Group has a beta of 0.59, meaning that its stock price is 41% less volatile than the S&P 500.

Insider & Institutional Ownership

48.0% of Protective Insurance shares are held by institutional investors. Comparatively, 1.4% of Donegal Group shares are held by institutional investors. 38.1% of Protective Insurance shares are held by insiders. Comparatively, 7.2% of Donegal Group shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Summary

Protective Insurance beats Donegal Group on 8 of the 10 factors compared between the two stocks.

About Protective Insurance

Protective Insurance Corporation, through its subsidiaries, engages in marketing and underwriting property and casualty insurance products. The company offers a range of fleet transportation insurance products, including commercial motor vehicle liability, physical damage, and general liability insurance; workers compensation insurance; medical and indemnity insurance products; non-trucking motor vehicle liability insurance; fidelity and surety bonds; and inland marine products consisting of cargo insurance. It also provides various additional services, such as risk surveys and analyses, safety program design and monitoring, government compliance assistance, loss control, and cost studies; research, development, and consultation in connection with new insurance programs that comprise development of systems to assist customers in monitoring their accident data; and claims handling services to clients with self-insurance programs. It serves trucking and public transportation fleets, as well as independent contractors in the trucking industry. The company primarily operates in the United States, Canada, Bermuda, and Puerto Rico. Protective Insurance Corporation was founded in 1930 and is headquartered in Carmel, Indiana.

About Donegal Group

Donegal Group Inc., an insurance holding company, provides property and casualty insurance to businesses and individuals in the Mid-Atlantic, Midwestern, New England, and southern states. It operates through four segments: Investment Function, Personal Lines of Insurance, Commercial Lines of Insurance, and Investment in DFSC. The company offers private passenger automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents, as well as protection against loss from damage to automobiles. It also offers homeowners policies, which provide coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft; and liability of the insured arising from injury to other persons or their property. In addition, the company offers commercial automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents and protection against loss from damage to automobiles owned by the insured; commercial multi-peril policies that provide protection to businesses against various perils, primarily combining liability and physical damage coverages; and workers' compensation policies, which provide benefits to employees for injuries sustained during employment. Donegal Group Inc., through its interest in Donegal Financial Services Corporation, operates a savings bank. The company markets its insurance products through a network of approximately 2,400 independent insurance agencies. Donegal Group Inc. was founded in 1986 and is headquartered in Marietta, Pennsylvania. Donegal Group Inc. is a subsidiary of Donegal Mutual Insurance Company.

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