DGICA vs CARE

Comparison between Donegal Group Inc - Class A (DGICA, Company) and Carter Bankshares Inc (CARE, Company).

Both DGICA and CARE are from the Financial Services sector.

5-Year PerformanceCARE has outperformed DGICA, delivering a return of +16.0% compared to +7.9%

DGICA vs CARE - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	DGICA(COMPANY)	CARE(COMPANY)
Market Cap	$646M	$645M
Max Drawdown	49.38%	73.36%
Sharpe Ratio	-0.21	2.18
5Y Beta	0.27	0.75
Industry	Insurance - Property & Casualty	Banks - Regional
P/E Ratio	8.91	5.98
Forward P/E	16.00	13.66
PEG Ratio	1.38	0.02
Dividend Yield	4.27%	N/A
5Y Dividends CAGR	8.62%	N/A
5Y EPS CAGR	-0.44%	N/A
Debt to Equity	5.39%	0.00%
Free Cash Flow Yield	10.01%	51.04%
P/S Ratio	0.65	2.54
P/B Ratio	0.98	1.28

Market Cap

Winner

DGICA

$646M

CARE

$645M

Max Drawdown

Winner

DGICA

49.38%

CARE

73.36%

Sharpe Ratio

DGICA

-0.21

Winner

CARE

2.18

5Y Beta

Winner

DGICA

0.27

CARE

0.75

Industry

DGICA

Insurance - Property & Casualty

CARE

Banks - Regional

P/E Ratio

DGICA

8.91

Winner

CARE

5.98

Forward P/E

DGICA

16.00

Winner

CARE

13.66

PEG Ratio

DGICA

1.38

Winner

CARE

0.02

Dividend Yield

DGICA

4.27%

CARE

N/A

5Y Dividends CAGR

DGICA

8.62%

CARE

N/A

5Y EPS CAGR

DGICA

-0.44%

CARE

N/A

Debt to Equity

DGICA

5.39%

Winner

CARE

0.00%

Free Cash Flow Yield

DGICA

10.01%

Winner

CARE

51.04%

P/S Ratio

Winner

DGICA

0.65

CARE

2.54

P/B Ratio

Winner

DGICA

0.98

CARE

1.28

DGICA vs CARE - Historical Returns

Returns include dividend reinvestment.

Period	DGICA	CARE
1 month	+4.08%	+14.16%
3 months	+6.37%	+49.41%
6 months	-11.64%	+50.09%
1 year	-4.94%	+79.67%
5 years(CAGR)	+7.87%	+16.00%
10 years(CAGR)	+5.40%	+9.15%
Max(CAGR)	+8.14%	+9.98%

DGICA

+4.08%

Winner

CARE

+14.16%

DGICA

+6.37%

Winner

CARE

+49.41%

DGICA

-11.64%

Winner

CARE

+50.09%

DGICA

-4.94%

Winner

CARE

+79.67%

5Y(CAGR)

DGICA

+7.87%

Winner

CARE

+16.00%

10Y(CAGR)

DGICA

+5.40%

Winner

CARE

+9.15%

Max(CAGR)

DGICA

+8.14%

Winner

CARE

+9.98%

DGICA vs CARE - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	DGICA	CARE
2026	-7.41%	+54.34%
2025	+36.68%	+14.10%
2024	+14.50%	+18.21%
2023	+1.91%	-8.78%
2022	+3.83%	+6.62%
2021	+5.02%	+45.46%
2020	-1.22%	-51.39%
2019	+12.45%	+55.54%
2018	-17.99%	-13.04%
2017	+0.61%	+32.99%
2016	+28.96%	+2.63%
2015	-8.72%	+13.29%
2014	+5.96%	+18.54%
2013	+17.02%	+24.69%
2012	-2.28%	-1.67%
2011	-3.86%	N/A
2010	-4.56%	N/A
2009	-2.86%	N/A
2008	+2.69%	N/A
2007	-12.26%	N/A
2006	+15.79%	N/A
2005	+36.10%	N/A
2004	+7.02%	N/A
2003	+106.22%	N/A
2002	+7.35%	N/A
2001	+1.62%	N/A

DGICA vs CARE Drawdown Comparison

The maximum drawdown for DGICA was -43.35%, occurring on Aug 24, 2010. Recovery took 2542 trading sessions.

The maximum drawdown for CARE was -73.17%, occurring on Sep 23, 2020. Recovery took 1572 trading sessions.

The current DGICA drawdown is -14.13%.

Rank	DGICA	CARE
#1	-43.35% Apr 19, 2006 - May 24, 2016	-73.17% Dec 31, 2019 - Apr 6, 2026
#2	-36.27% Jun 6, 2001 - Apr 28, 2003	-26.41% Sep 19, 2018 - May 3, 2019
#3	-30.32% Dec 15, 2017 - Apr 15, 2021	-14.66% Jul 27, 2016 - Jan 12, 2017
#4	-30.16% Dec 29, 2003 - Dec 23, 2004	-12.95% Apr 13, 2017 - Aug 28, 2017
#5	-22.29% Jul 1, 2022 - Oct 24, 2024	-9.77% Jul 26, 2013 - Oct 13, 2014
#6	-20.42% Dec 18, 2025 - May 4, 2026	-9.06% Jun 18, 2019 - Nov 18, 2019
#7	-19.72% Feb 16, 2005 - Jul 22, 2005	-8.61% Aug 31, 2017 - Jun 28, 2018
#8	-19.53% Sep 11, 2003 - Oct 30, 2003	-7.80% Mar 24, 2015 - Nov 13, 2015
#9	-18.83% May 19, 2025 - Nov 26, 2025	-7.77% Jul 18, 2018 - Sep 14, 2018
#10	-18.66% Mar 17, 2017 - Nov 20, 2017	-7.57% Mar 31, 2016 - Jul 27, 2016
#11	-16.97% Jun 23, 2003 - Jul 23, 2003	-5.34% Apr 22, 2013 - May 13, 2013
#12	-16.48% Apr 16, 2021 - May 17, 2022	-4.23% Jan 24, 2013 - Feb 20, 2013
#13	-14.90% Dec 2, 2024 - Feb 25, 2025	-4.01% Jun 18, 2013 - Jun 27, 2013
#14	-13.96% May 1, 2003 - Jun 5, 2003	-3.94% May 13, 2013 - Jun 17, 2013
#15	-13.62% Dec 28, 2004 - Feb 11, 2005	-3.71% Jun 27, 2013 - Jul 9, 2013

Correlation

Correlation between DGICA and CARE is 0.58 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.58

-101

Dividend Comparison (2001 - 2026)

DGICA vs CARE dividend yield comparison.

Year	DGICA	CARE
2026	2.13%	0.33%
2025	3.60%	0.00%
2024	4.44%	0.00%
2023	4.82%	0.00%
2022	4.61%	0.00%
2021	4.41%	0.00%
2020	4.23%	1.31%
2019	3.90%	0.00%
2018	4.16%	0.00%
2017	3.22%	0.00%
2016	3.13%	2.26%
2015	3.81%	2.96%
2014	3.27%	2.36%
2013	3.18%	1.82%
2012	3.47%	1.13%
2011	3.35%	0.00%
2010	3.16%	0.00%
2009	2.85%	0.00%
2008	2.42%	0.00%
2007	2.05%	0.00%
2006	1.65%	0.00%
2005	1.68%	0.00%
2004	2.05%	0.00%
2003	1.95%	0.00%
2002	3.72%	0.00%
2001	2.88%	0.00%