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Side-by-side financial comparison of DONEGAL GROUP INC (DGICA) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
DONEGAL GROUP INC is the larger business by last-quarter revenue ($236.0M vs $153.1M, roughly 1.5× CPI Card Group Inc.). DONEGAL GROUP INC runs the higher net margin — 4.9% vs 4.8%, a 0.1% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs -3.7%). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs -2.2%).
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.
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
DGICA vs PMTS — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $236.0M | $153.1M |
| Net Profit | $11.5M | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | — | 12.0% |
| Net Margin | 4.9% | 4.8% |
| Revenue YoY | -3.7% | 22.3% |
| Net Profit YoY | -54.3% | 8.5% |
| EPS (diluted) | — | $0.62 |
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 | $153.1M | ||
| Q3 25 | $245.9M | $138.0M | ||
| Q2 25 | $247.1M | $129.8M | ||
| Q1 25 | $245.2M | $122.8M | ||
| Q4 24 | $250.0M | $125.1M | ||
| Q3 24 | $251.7M | $124.8M | ||
| Q2 24 | $246.8M | $118.8M |
| Q1 26 | $11.5M | — | ||
| Q4 25 | $17.2M | $7.3M | ||
| Q3 25 | $20.1M | $2.3M | ||
| Q2 25 | $16.9M | $518.0K | ||
| Q1 25 | $25.2M | $4.8M | ||
| Q4 24 | $24.0M | $6.8M | ||
| Q3 24 | $16.8M | $1.3M | ||
| Q2 24 | $4.2M | $6.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | 33.2% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | 35.7% |
| Q1 26 | — | — | ||
| Q4 25 | 8.7% | 12.0% | ||
| Q3 25 | 10.2% | 9.4% | ||
| Q2 25 | 8.3% | 7.3% | ||
| Q1 25 | 12.7% | 11.5% | ||
| Q4 24 | 11.9% | 12.7% | ||
| Q3 24 | 8.1% | 14.3% | ||
| Q2 24 | 2.0% | 12.5% |
| Q1 26 | 4.9% | — | ||
| Q4 25 | 7.2% | 4.8% | ||
| Q3 25 | 8.2% | 1.7% | ||
| Q2 25 | 6.8% | 0.4% | ||
| Q1 25 | 10.3% | 3.9% | ||
| Q4 24 | 9.6% | 5.4% | ||
| Q3 24 | 6.7% | 1.0% | ||
| Q2 24 | 1.7% | 5.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | $0.62 | ||
| Q3 25 | — | $0.19 | ||
| Q2 25 | — | $0.04 | ||
| Q1 25 | — | $0.40 | ||
| Q4 24 | — | $0.56 | ||
| Q3 24 | — | $0.11 | ||
| Q2 24 | — | $0.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $649.1M | $-17.3M |
| Total Assets | $2.4B | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $21.7M | ||
| Q3 25 | — | $16.0M | ||
| Q2 25 | — | $17.1M | ||
| Q1 25 | — | $31.5M | ||
| Q4 24 | — | $33.5M | ||
| Q3 24 | — | $14.7M | ||
| Q2 24 | — | $7.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M |
| Q1 26 | $649.1M | — | ||
| Q4 25 | $640.4M | $-17.3M | ||
| Q3 25 | $627.4M | $-25.7M | ||
| Q2 25 | $605.7M | $-29.0M | ||
| Q1 25 | $584.7M | $-29.7M | ||
| Q4 24 | $545.8M | $-35.6M | ||
| Q3 24 | $513.4M | $-42.8M | ||
| Q2 24 | $484.1M | $-44.6M |
| Q1 26 | $2.4B | — | ||
| Q4 25 | $2.4B | $403.2M | ||
| Q3 25 | $2.4B | $407.1M | ||
| Q2 25 | $2.4B | $399.8M | ||
| Q1 25 | $2.4B | $351.9M | ||
| Q4 24 | $2.3B | $349.7M | ||
| Q3 24 | $2.3B | $342.3M | ||
| Q2 24 | $2.3B | $321.4M |
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 | — | $39.6M |
| Free Cash FlowOCF − Capex | — | $35.2M |
| FCF MarginFCF / Revenue | — | 23.0% |
| Capex IntensityCapex / Revenue | — | 2.9% |
| Cash ConversionOCF / Net Profit | — | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | — | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $70.2M | $39.6M | ||
| Q3 25 | $22.4M | $10.0M | ||
| Q2 25 | $12.1M | $4.3M | ||
| Q1 25 | $25.7M | $5.6M | ||
| Q4 24 | $67.4M | $26.7M | ||
| Q3 24 | $12.7M | $12.5M | ||
| Q2 24 | $21.7M | $-4.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | $35.2M | ||
| Q3 25 | — | $5.3M | ||
| Q2 25 | — | $533.0K | ||
| Q1 25 | — | $292.0K | ||
| Q4 24 | — | $21.6M | ||
| Q3 24 | — | $11.1M | ||
| Q2 24 | — | $-6.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 23.0% | ||
| Q3 25 | — | 3.8% | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 17.3% | ||
| Q3 24 | — | 8.9% | ||
| Q2 24 | — | -5.0% |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.9% | ||
| Q3 25 | — | 3.4% | ||
| Q2 25 | — | 2.9% | ||
| Q1 25 | — | 4.3% | ||
| Q4 24 | — | 4.0% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 1.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.08× | 5.39× | ||
| Q3 25 | 1.11× | 4.32× | ||
| Q2 25 | 0.72× | 8.39× | ||
| Q1 25 | 1.02× | 1.17× | ||
| Q4 24 | 2.81× | 3.94× | ||
| Q3 24 | 0.76× | 9.70× | ||
| Q2 24 | 5.22× | -0.79× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DGICA
Segment breakdown not available.
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
