Donegal Group (DGICA) vs NI (NODK)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
NI (NODK) has outperformed Donegal Group (DGICA) over the past year, gaining 11.0% versus a loss of 5.0%. Over five years, DGICA leads with a +23.6% price change compared with -25.7% for NODK. Donegal Group is the larger company by market cap ($676.7 million vs $301.8 million), about 2.2 times the size.
On valuation, Donegal Group trades at a lower trailing P/E (9.5x vs 38.9x for NI). Donegal Group pays a dividend yielding 4.06%, while NI 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 | NODK |
|---|---|---|
| Share price | $18.23 | $14.79 |
| Market cap | $676.68M | $301.79M |
| 1-day change | -1.67% | -0.67% |
| YTD return | -8.76% | +11.20% |
| 1-year return | -4.95% | +11.04% |
| 5-year return | +23.59% | -25.72% |
| P/E ratio (TTM) | 9.49 | 38.92 |
| Forward P/E | 9.72 | — |
| EPS (TTM) | $1.92 | $0.38 |
| Dividend yield | 4.06% | 0.00% |
| Annual dividend | $0.74 | $0.00 |
| 52-week high | $21.06 | $16.70 |
| 52-week low | $16.11 | $12.37 |
| Distance from 52-week high | -13.44% | -11.44% |
| Analyst consensus | none | — |
| Avg. price target upside | +15.19% | — |
| Average volume | 117.97K | 25.97K |
| Shares outstanding | 31.54M | 20.40M |
| Employees | — | 166 |
| Sector | Finance | Finance |
| Industry | Property-Casualty Insurers | 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
- Donegal Group is about 2.2 times larger than NI by market value ($676.68M vs $301.79M).
- NODK has outperformed DGICA by 16.0 percentage points over the past year.
- NI trades at a higher earnings multiple (38.9x vs 9.5x trailing P/E).
- Donegal Group offers a meaningfully higher dividend yield (4.06% vs 0.00%).
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.
Finance · Property-Casualty Insurers
About NI
NODK stock →NI Holdings, Inc., together with its subsidiaries, underwrites property and casualty insurance products in the United States. Its products include private passenger auto, homeowners, farm owners, commercial multi-peril, crop hail, excess liability, dwelling, and federal multi-peril crop insurance policies, as well as non-standard automobile insurance policies.
Finance · Property-Casualty Insurers · 166 employees
DGICA vs NODK FAQ
Which is bigger, Donegal Group or NI?
Donegal Group (DGICA) is larger, with a market capitalization of $676.68M compared with $301.79M for NI (NODK).
Which stock has performed better over the past year, DGICA or NODK?
NODK returned +11.04% 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 NODK?
DGICA has the lower trailing P/E at 9.5, versus 38.9 for NODK. 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 NI?
Donegal Group pays a dividend yielding 4.06%, while NI does not currently pay a regular dividend.
Are Donegal Group and NI in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.