Donegal Group (DGICA) vs Heritage Insurance (HRTG)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Heritage Insurance (HRTG) has outperformed Donegal Group (DGICA) over the past year, gaining 35.8% versus a loss of 5.0%. Over five years, HRTG leads with a +405.5% price change compared with +23.6% for DGICA. Heritage Insurance is the larger company by market cap ($1.04 billion vs $676.7 million), about 1.5 times the size.
On valuation, Heritage Insurance trades at a lower forward P/E (6.7x vs 9.7x for Donegal Group). Donegal Group pays a dividend yielding 4.06%, while Heritage Insurance does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | DGICA | HRTG |
|---|---|---|
| Share price | $18.23 | $34.83 |
| Market cap | $676.68M | $1.04B |
| 1-day change | -1.67% | -1.14% |
| YTD return | -8.76% | +19.04% |
| 1-year return | -4.95% | +35.84% |
| 5-year return | +23.59% | +405.52% |
| P/E ratio (TTM) | 9.49 | 4.97 |
| Forward P/E | 9.72 | 6.72 |
| EPS (TTM) | $1.92 | $7.01 |
| Dividend yield | 4.06% | 0.00% |
| Annual dividend | $0.74 | $0.00 |
| Revenue (latest FY) | — | $847.33M |
| Revenue growth (YoY) | — | +3.71% |
| Net income (latest FY) | — | $195.59M |
| Operating margin | — | 31.53% |
| Net margin | — | 23.08% |
| 52-week high | $21.06 | $36.50 |
| 52-week low | $16.11 | $20.48 |
| Distance from 52-week high | -13.44% | -4.58% |
| Analyst consensus | none | buy |
| Avg. price target upside | +15.19% | +11.97% |
| Average volume | 117.97K | 294.90K |
| Shares outstanding | 31.54M | 29.73M |
| Employees | — | 542 |
| Sector | Financial Services | Finance |
| Industry | Insurance - Property & Casualty | Property-Casualty Insurers |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- HRTG has outperformed DGICA by 40.8 percentage points over the past year.
- Donegal Group trades at a higher earnings multiple (9.5x vs 5.0x trailing P/E).
- Donegal Group offers a meaningfully higher dividend yield (4.06% vs 0.00%).
- The two companies sit in different sectors: Donegal Group in Financial Services and Heritage Insurance in Finance.
About Donegal Group
DGICA stock →Donegal Group Inc., an insurance holding company, provides commercial and personal lines of property and casualty coverages. It operates through three segments: Investment Function, Commercial Lines of Insurance, and Personal Lines of Insurance.
Financial Services · Insurance - Property & Casualty
About Heritage Insurance
HRTG stock →Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York.
Finance · Property-Casualty Insurers · 542 employees
DGICA vs HRTG FAQ
Which is bigger, Donegal Group or Heritage Insurance?
Heritage Insurance (HRTG) is larger, with a market capitalization of $1.04B compared with $676.68M for Donegal Group (DGICA).
Which stock has performed better over the past year, DGICA or HRTG?
HRTG returned +35.84% over the past 12 months, compared with -4.95% for DGICA (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, DGICA or HRTG?
HRTG has the lower trailing P/E at 5.0, versus 9.5 for DGICA. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Donegal Group or Heritage Insurance?
Donegal Group pays a dividend yielding 4.06%, while Heritage Insurance does not currently pay a regular dividend.
Are Donegal Group and Heritage Insurance in the same industry?
No. Donegal Group is in the Financial Services sector, while Heritage Insurance is in Finance.