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Side-by-side financial comparison of DONEGAL GROUP INC (DGICA) and PAMT CORP (PAMT). Click either name above to swap in a different company.
DONEGAL GROUP INC is the larger business by last-quarter revenue ($236.0M vs $141.3M, roughly 1.7× PAMT CORP). DONEGAL GROUP INC runs the higher net margin — 4.9% vs -20.7%, a 25.6% gap on every dollar of revenue. On growth, DONEGAL GROUP INC posted the faster year-over-year revenue change (-3.7% vs -15.1%). Over the past eight quarters, DONEGAL GROUP INC's revenue compounded faster (-2.2% CAGR vs -12.0%).
Donegal Group Inc. is a regional US insurance holding company offering personal and commercial property and casualty insurance products. It serves Mid-Atlantic, Midwest, and Southern US customers, delivering tailored coverage for individuals, families, and small to medium businesses.
DGICA vs PAMT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $236.0M | $141.3M |
| Net Profit | $11.5M | $-29.3M |
| Gross Margin | — | — |
| Operating Margin | — | -27.0% |
| Net Margin | 4.9% | -20.7% |
| Revenue YoY | -3.7% | -15.1% |
| Net Profit YoY | -54.3% | 7.4% |
| EPS (diluted) | — | $-1.38 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $236.0M | — | ||
| Q4 25 | $239.8M | $141.3M | ||
| Q3 25 | $245.9M | $150.3M | ||
| Q2 25 | $247.1M | $151.1M | ||
| Q1 25 | $245.2M | $155.3M | ||
| Q4 24 | $250.0M | $166.5M | ||
| Q3 24 | $251.7M | $182.6M | ||
| Q2 24 | $246.8M | $182.9M |
| Q1 26 | $11.5M | — | ||
| Q4 25 | $17.2M | $-29.3M | ||
| Q3 25 | $20.1M | $-5.6M | ||
| Q2 25 | $16.9M | $-9.6M | ||
| Q1 25 | $25.2M | $-8.1M | ||
| Q4 24 | $24.0M | $-31.6M | ||
| Q3 24 | $16.8M | $2.4M | ||
| Q2 24 | $4.2M | $-2.9M |
| Q1 26 | — | — | ||
| Q4 25 | 8.7% | -27.0% | ||
| Q3 25 | 10.2% | -3.8% | ||
| Q2 25 | 8.3% | -7.3% | ||
| Q1 25 | 12.7% | -5.9% | ||
| Q4 24 | 11.9% | -22.6% | ||
| Q3 24 | 8.1% | 1.3% | ||
| Q2 24 | 2.0% | -0.4% |
| Q1 26 | 4.9% | — | ||
| Q4 25 | 7.2% | -20.7% | ||
| Q3 25 | 8.2% | -3.7% | ||
| Q2 25 | 6.8% | -6.4% | ||
| Q1 25 | 10.3% | -5.2% | ||
| Q4 24 | 9.6% | -19.0% | ||
| Q3 24 | 6.7% | 1.3% | ||
| Q2 24 | 1.7% | -1.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | $-1.38 | ||
| Q3 25 | — | $-0.27 | ||
| Q2 25 | — | $-0.46 | ||
| Q1 25 | — | $-0.37 | ||
| Q4 24 | — | $-1.44 | ||
| Q3 24 | — | $0.11 | ||
| Q2 24 | — | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $83.7M |
| Total DebtLower is stronger | — | $333.9M |
| Stockholders' EquityBook value | $649.1M | $210.5M |
| Total Assets | $2.4B | $697.9M |
| Debt / EquityLower = less leverage | — | 1.59× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $83.7M | ||
| Q3 25 | — | $115.6M | ||
| Q2 25 | — | $117.3M | ||
| Q1 25 | — | $102.7M | ||
| Q4 24 | — | $110.7M | ||
| Q3 24 | — | $92.3M | ||
| Q2 24 | — | $114.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $333.9M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $325.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $649.1M | — | ||
| Q4 25 | $640.4M | $210.5M | ||
| Q3 25 | $627.4M | $239.5M | ||
| Q2 25 | $605.7M | $244.9M | ||
| Q1 25 | $584.7M | $269.6M | ||
| Q4 24 | $545.8M | $277.5M | ||
| Q3 24 | $513.4M | $308.9M | ||
| Q2 24 | $484.1M | $306.7M |
| Q1 26 | $2.4B | — | ||
| Q4 25 | $2.4B | $697.9M | ||
| Q3 25 | $2.4B | $715.2M | ||
| Q2 25 | $2.4B | $707.9M | ||
| Q1 25 | $2.4B | $712.6M | ||
| Q4 24 | $2.3B | $741.7M | ||
| Q3 24 | $2.3B | $756.7M | ||
| Q2 24 | $2.3B | $733.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.59× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.17× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $-5.8M |
| Free Cash FlowOCF − Capex | — | $-25.0M |
| FCF MarginFCF / Revenue | — | -17.7% |
| Capex IntensityCapex / Revenue | — | 13.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-23.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $70.2M | $-5.8M | ||
| Q3 25 | $22.4M | $5.9M | ||
| Q2 25 | $12.1M | $12.2M | ||
| Q1 25 | $25.7M | $5.0M | ||
| Q4 24 | $67.4M | $15.2M | ||
| Q3 24 | $12.7M | $15.5M | ||
| Q2 24 | $21.7M | $18.7M |
| Q1 26 | — | — | ||
| Q4 25 | — | $-25.0M | ||
| Q3 25 | — | $2.5M | ||
| Q2 25 | — | $5.9M | ||
| Q1 25 | — | $-6.8M | ||
| Q4 24 | — | $-39.9M | ||
| Q3 24 | — | $-33.6M | ||
| Q2 24 | — | $4.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | -17.7% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | -4.4% | ||
| Q4 24 | — | -24.0% | ||
| Q3 24 | — | -18.4% | ||
| Q2 24 | — | 2.2% |
| Q1 26 | — | — | ||
| Q4 25 | — | 13.6% | ||
| Q3 25 | — | 2.3% | ||
| Q2 25 | — | 4.2% | ||
| Q1 25 | — | 7.6% | ||
| Q4 24 | — | 33.1% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 8.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.08× | — | ||
| Q3 25 | 1.11× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 1.02× | — | ||
| Q4 24 | 2.81× | — | ||
| Q3 24 | 0.76× | 6.44× | ||
| Q2 24 | 5.22× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DGICA
Segment breakdown not available.
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
