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DONEGAL GROUP INC（DGICA）与Heritage Insurance Holdings, Inc.（HRTG）财务数据对比。点击上方公司名可切换其他公司
DONEGAL GROUP INC的季度营收约是Heritage Insurance Holdings, Inc.的1.1倍（$239.8M vs $215.3M），Heritage Insurance Holdings, Inc.净利率更高（31.0% vs 7.2%，领先23.8%），Heritage Insurance Holdings, Inc.同比增速更快（2.4% vs -4.1%），过去两年Heritage Insurance Holdings, Inc.的营收复合增速更高（6.1% vs -0.3%）
多尼戈尔集团是一家美国地区性保险控股企业，提供个人及商业财产和意外伤害保险产品，主要服务美国中大西洋、中西部及南部地区客户，为个人、家庭及中小型企业提供定制化保障方案。
该公司是一家位于美国佛罗里达州的财产意外保险公司，在美国多个沿海州开展业务，主要为客户提供商业保险、住宅保险、房主保险以及洪水保险等各类财产意外保障产品。
DGICA vs HRTG — 直观对比
营收规模更大
DGICA
是对方的1.1倍
$215.3M
营收增速更快
HRTG
高出6.5%
-4.1%
净利率更高
HRTG
高出23.8%
7.2%
两年增速更快
HRTG
近两年复合增速
-0.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $239.8M | $215.3M |
| 净利润 | $17.2M | $66.7M |
| 毛利率 | — | — |
| 营业利润率 | 8.7% | 41.6% |
| 净利率 | 7.2% | 31.0% |
| 营收同比 | -4.1% | 2.4% |
| 净利润同比 | -28.4% | 228.6% |
| 每股收益（稀释后） | — | $2.15 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收DGICAHRTG
| Q4 25 | $239.8M | $215.3M | ||
| Q3 25 | $245.9M | $212.5M | ||
| Q2 25 | $247.1M | $208.0M | ||
| Q1 25 | $245.2M | $211.5M | ||
| Q4 24 | $250.0M | $210.3M | ||
| Q3 24 | $251.7M | $211.8M | ||
| Q2 24 | $246.8M | $203.6M | ||
| Q1 24 | $241.1M | $191.3M |
净利润DGICAHRTG
| Q4 25 | $17.2M | $66.7M | ||
| Q3 25 | $20.1M | $50.4M | ||
| Q2 25 | $16.9M | $48.0M | ||
| Q1 25 | $25.2M | $30.5M | ||
| Q4 24 | $24.0M | $20.3M | ||
| Q3 24 | $16.8M | $8.2M | ||
| Q2 24 | $4.2M | $18.9M | ||
| Q1 24 | $6.0M | $14.2M |
营业利润率DGICAHRTG
| Q4 25 | 8.7% | 41.6% | ||
| Q3 25 | 10.2% | 33.0% | ||
| Q2 25 | 8.3% | 31.2% | ||
| Q1 25 | 12.7% | 20.1% | ||
| Q4 24 | 11.9% | 15.0% | ||
| Q3 24 | 8.1% | 5.5% | ||
| Q2 24 | 2.0% | 13.6% | ||
| Q1 24 | 3.0% | 11.9% |
净利率DGICAHRTG
| Q4 25 | 7.2% | 31.0% | ||
| Q3 25 | 8.2% | 23.7% | ||
| Q2 25 | 6.8% | 23.1% | ||
| Q1 25 | 10.3% | 14.4% | ||
| Q4 24 | 9.6% | 9.7% | ||
| Q3 24 | 6.7% | 3.8% | ||
| Q2 24 | 1.7% | 9.3% | ||
| Q1 24 | 2.5% | 7.4% |
每股收益（稀释后）DGICAHRTG
| Q4 25 | — | $2.15 | ||
| Q3 25 | — | $1.63 | ||
| Q2 25 | — | $1.55 | ||
| Q1 25 | — | $0.99 | ||
| Q4 24 | — | $0.66 | ||
| Q3 24 | — | $0.27 | ||
| Q2 24 | — | $0.61 | ||
| Q1 24 | — | $0.47 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $559.3M |
| 总债务越低越好 | — | $78.4M |
| 股东权益账面价值 | $640.4M | $505.3M |
| 总资产 | $2.4B | $2.2B |
| 负债/权益比越低杠杆越低 | — | 0.16× |
8季度趋势，按日历期对齐
现金及短期投资DGICAHRTG
| Q4 25 | — | $559.3M | ||
| Q3 25 | — | $560.4M | ||
| Q2 25 | — | $473.5M | ||
| Q1 25 | — | $425.9M | ||
| Q4 24 | — | $452.7M | ||
| Q3 24 | — | $509.9M | ||
| Q2 24 | — | $480.9M | ||
| Q1 24 | — | $386.1M |
总债务DGICAHRTG
| Q4 25 | — | $78.4M | ||
| Q3 25 | — | $79.3M | ||
| Q2 25 | — | $92.4M | ||
| Q1 25 | — | $94.8M | ||
| Q4 24 | — | $116.3M | ||
| Q3 24 | — | $118.6M | ||
| Q2 24 | — | $120.8M | ||
| Q1 24 | — | $123.0M |
股东权益DGICAHRTG
| Q4 25 | $640.4M | $505.3M | ||
| Q3 25 | $627.4M | $437.3M | ||
| Q2 25 | $605.7M | $383.3M | ||
| Q1 25 | $584.7M | $329.0M | ||
| Q4 24 | $545.8M | $290.8M | ||
| Q3 24 | $513.4M | $279.3M | ||
| Q2 24 | $484.1M | $255.3M | ||
| Q1 24 | $485.1M | $234.9M |
总资产DGICAHRTG
| Q4 25 | $2.4B | $2.2B | ||
| Q3 25 | $2.4B | $2.4B | ||
| Q2 25 | $2.4B | $2.5B | ||
| Q1 25 | $2.4B | $2.2B | ||
| Q4 24 | $2.3B | $2.5B | ||
| Q3 24 | $2.3B | $2.4B | ||
| Q2 24 | $2.3B | $2.6B | ||
| Q1 24 | $2.3B | $2.1B |
负债/权益比DGICAHRTG
| Q4 25 | — | 0.16× | ||
| Q3 25 | — | 0.18× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.29× | ||
| Q4 24 | — | 0.40× | ||
| Q3 24 | — | 0.42× | ||
| Q2 24 | — | 0.47× | ||
| Q1 24 | — | 0.52× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $70.2M | $182.2M |
| 自由现金流经营现金流 - 资本支出 | — | $174.2M |
| 自由现金流率自由现金流/营收 | — | 80.9% |
| 资本支出强度资本支出/营收 | — | 3.7% |
| 现金转化率经营现金流/净利润 | 4.08× | 2.73× |
| 过去12个月自由现金流最近4个季度 | — | $337.4M |
8季度趋势，按日历期对齐
经营现金流DGICAHRTG
| Q4 25 | $70.2M | $182.2M | ||
| Q3 25 | $22.4M | $124.3M | ||
| Q2 25 | $12.1M | $43.3M | ||
| Q1 25 | $25.7M | $837.0K | ||
| Q4 24 | $67.4M | $87.1M | ||
| Q3 24 | $12.7M | $-13.4M | ||
| Q2 24 | $21.7M | $152.2M | ||
| Q1 24 | $4.8M | $4.3M |
自由现金流DGICAHRTG
| Q4 25 | — | $174.2M | ||
| Q3 25 | — | $122.7M | ||
| Q2 25 | — | $41.8M | ||
| Q1 25 | — | $-1.3M | ||
| Q4 24 | — | $78.9M | ||
| Q3 24 | — | $-16.3M | ||
| Q2 24 | — | $149.8M | ||
| Q1 24 | — | $4.1M |
自由现金流率DGICAHRTG
| Q4 25 | — | 80.9% | ||
| Q3 25 | — | 57.8% | ||
| Q2 25 | — | 20.1% | ||
| Q1 25 | — | -0.6% | ||
| Q4 24 | — | 37.5% | ||
| Q3 24 | — | -7.7% | ||
| Q2 24 | — | 73.6% | ||
| Q1 24 | — | 2.1% |
资本支出强度DGICAHRTG
| Q4 25 | — | 3.7% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 3.9% | ||
| Q3 24 | — | 1.4% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 0.1% |
现金转化率DGICAHRTG
| Q4 25 | 4.08× | 2.73× | ||
| Q3 25 | 1.11× | 2.47× | ||
| Q2 25 | 0.72× | 0.90× | ||
| Q1 25 | 1.02× | 0.03× | ||
| Q4 24 | 2.81× | 4.29× | ||
| Q3 24 | 0.76× | -1.64× | ||
| Q2 24 | 5.22× | 8.07× | ||
| Q1 24 | 0.81× | 0.30× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
DGICA
| Commercial Lines Segment | $140.8M | 59% |
| Personal Lines Segment | $86.0M | 36% |
| Investments Function Segment | $12.4M | 5% |
HRTG
暂无分部数据
