Donegal Group Inc. (NASDAQ: DGICA, DGICB) reported fourth-quarter internet revenue of $17.2 million, or 47 cents per diluted Class A share, for the interval ended December 31, 2025. This represents a 28.4% lower from $24.0 million, or 70 cents per diluted Class A share, within the fourth quarter of 2024. Consolidated income for the quarter declined 3.9% to $240.1 million in comparison with $249.9 million within the prior-year interval.
Within the industrial traces phase, internet premiums earned rose 3.0% to $140.8 million. The phase reported a statutory mixed ratio of 102.2%, in comparison with 97.3% in the identical quarter of 2024. The core loss ratio for industrial traces, which excludes climate and enormous fireplace losses, improved to 52.5% from 55.2%.
The non-public traces phase recorded internet premiums earned of $86.0 million, a 13.9% lower from $99.9 million within the prior-year quarter. The phase’s statutory mixed ratio was 88.5%, an enchancment from 89.5% within the fourth quarter of 2024. The core loss ratio for private traces decreased to 46.8% from 48.4%.
For the complete yr of 2025, Donegal Group reported internet revenue of $79.3 million, a 56.0% enhance from $50.9 million in 2024. Annual complete income reached $978.0 million, representing a 1.2% directional contraction from $989.6 million the earlier yr. Web premiums earned for the yr decreased 1.7% to $921.2 million. The complete-year return on common fairness rose to 13.4% from 9.9% in 2024.
The corporate continued its methods modernization challenge, with prices allotted from Donegal Mutual Insurance coverage Firm representing 1.5 proportion factors of the expense ratio within the fourth quarter of 2025. This challenge reached a milestone within the third quarter of 2025 with the position of the ultimate two software program releases into service.
Within the private traces phase, the corporate is executing an incremental conversion of legacy insurance policies to a brand new platform, with a scheduled completion date of June 2027. For the industrial traces phase, new enterprise writings missed the 2025 marketing strategy goal following a refinement in underwriting urge for food.
Donegal Group has launched new compensation incentives for unbiased brokers, efficient in 202,6 to encourage elevated submissions of high quality accounts. The corporate declared quarterly money dividends of $0.1825 per Class A share and $0.165 per Class B share, paid on February 17, 2026. No M&A transactions had been introduced within the reporting interval.
Administration indicated that the pursuit of modest premium progress by way of unbiased company companions is a spotlight for 2026. Elements to observe embrace the anticipated gradual subsidence of the decline in private traces premiums all through 2026. The corporate expects the expense ratio influence of methods modernization prices to be 1.3 proportion factors for the complete yr 2026.
Fourth-quarter internet revenue was $17.2 million as complete income contracted 3.9%. Business premiums grew 3.0% whereas private traces premiums fell 13.9%. Full-year revenue rose 56.0% regardless of a 1.2% decline in complete annual income. E book worth per share ended 2025 at $17.33.
Donegal Group Inc. (NASDAQ: DGICA, DGICB) reported fourth-quarter internet revenue of $17.2 million, or 47 cents per diluted Class A share, for the interval ended December 31, 2025. This represents a 28.4% lower from $24.0 million, or 70 cents per diluted Class A share, within the fourth quarter of 2024. Consolidated income for the quarter declined 3.9% to $240.1 million in comparison with $249.9 million within the prior-year interval.
Within the industrial traces phase, internet premiums earned rose 3.0% to $140.8 million. The phase reported a statutory mixed ratio of 102.2%, in comparison with 97.3% in the identical quarter of 2024. The core loss ratio for industrial traces, which excludes climate and enormous fireplace losses, improved to 52.5% from 55.2%.
The non-public traces phase recorded internet premiums earned of $86.0 million, a 13.9% lower from $99.9 million within the prior-year quarter. The phase’s statutory mixed ratio was 88.5%, an enchancment from 89.5% within the fourth quarter of 2024. The core loss ratio for private traces decreased to 46.8% from 48.4%.
For the complete yr of 2025, Donegal Group reported internet revenue of $79.3 million, a 56.0% enhance from $50.9 million in 2024. Annual complete income reached $978.0 million, representing a 1.2% directional contraction from $989.6 million the earlier yr. Web premiums earned for the yr decreased 1.7% to $921.2 million. The complete-year return on common fairness rose to 13.4% from 9.9% in 2024.
The corporate continued its methods modernization challenge, with prices allotted from Donegal Mutual Insurance coverage Firm representing 1.5 proportion factors of the expense ratio within the fourth quarter of 2025. This challenge reached a milestone within the third quarter of 2025 with the position of the ultimate two software program releases into service.
Within the private traces phase, the corporate is executing an incremental conversion of legacy insurance policies to a brand new platform, with a scheduled completion date of June 2027. For the industrial traces phase, new enterprise writings missed the 2025 marketing strategy goal following a refinement in underwriting urge for food.
Donegal Group has launched new compensation incentives for unbiased brokers, efficient in 202,6 to encourage elevated submissions of high quality accounts. The corporate declared quarterly money dividends of $0.1825 per Class A share and $0.165 per Class B share, paid on February 17, 2026. No M&A transactions had been introduced within the reporting interval.
Administration indicated that the pursuit of modest premium progress by way of unbiased company companions is a spotlight for 2026. Elements to observe embrace the anticipated gradual subsidence of the decline in private traces premiums all through 2026. The corporate expects the expense ratio influence of methods modernization prices to be 1.3 proportion factors for the complete yr 2026.
Fourth-quarter internet revenue was $17.2 million as complete income contracted 3.9%. Business premiums grew 3.0% whereas private traces premiums fell 13.9%. Full-year revenue rose 56.0% regardless of a 1.2% decline in complete annual income. E book worth per share ended 2025 at $17.33.
