DGICB vs HOV

Comparison between Donegal Group Inc - Class B (DGICB, Company) and Hovnanian Enterprises Inc - Class A (HOV, Company).

DGICB is from the Financial Services sector, while HOV is from the Consumer Cyclical sector.

5-Year PerformanceDGICB has outperformed HOV, delivering a return of +11.6% compared to +3.0%

DGICB vs HOV - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	DGICB(COMPANY)	HOV(COMPANY)
Market Cap	$845M	$846M
Max Drawdown	64.25%	99.70%
Sharpe Ratio	0.80	0.78
5Y Beta	0.33	1.37
Industry	Insurance - Property & Casualty	Residential Construction
P/E Ratio	11.65	14.90
Forward P/E	14.37	13.50
Dividend Yield	3.08%	N/A
5Y Dividends CAGR	9.09%	N/A
5Y EPS CAGR	-0.44%	N/A
Debt to Equity	5.39%	109.34%
Free Cash Flow Yield	7.65%	32.10%

Market Cap

DGICB

$845M

Winner

HOV

$846M

Max Drawdown

Winner

DGICB

64.25%

HOV

99.70%

Sharpe Ratio

Winner

DGICB

0.80

HOV

0.78

5Y Beta

Winner

DGICB

0.33

HOV

1.37

Industry

DGICB

Insurance - Property & Casualty

HOV

Residential Construction

P/E Ratio

Winner

DGICB

11.65

HOV

14.90

Forward P/E

DGICB

14.37

Winner

HOV

13.50

Dividend Yield

DGICB

3.08%

HOV

N/A

5Y Dividends CAGR

DGICB

9.09%

HOV

N/A

5Y EPS CAGR

DGICB

-0.44%

HOV

N/A

Debt to Equity

Winner

DGICB

5.39%

HOV

109.34%

Free Cash Flow Yield

DGICB

7.65%

Winner

HOV

32.10%

DGICB vs HOV - Historical Returns

Returns include dividend reinvestment.

Period	DGICB	HOV
1 month	+11.13%	+19.35%
3 months	+16.90%	+14.16%
6 months	+27.66%	+27.63%
1 year	+21.92%	+21.50%
5 years(CAGR)	+11.60%	+2.96%
10 years(CAGR)	+7.22%	+11.92%
Max(CAGR)	+9.37%	+1.72%

DGICB

+11.13%

Winner

HOV

+19.35%

Winner

DGICB

+16.90%

HOV

+14.16%

Winner

DGICB

+27.66%

HOV

+27.63%

Winner

DGICB

+21.92%

HOV

+21.50%

5Y(CAGR)

Winner

DGICB

+11.60%

HOV

+2.96%

10Y(CAGR)

DGICB

+7.22%

Winner

HOV

+11.92%

Max(CAGR)

Winner

DGICB

+9.37%

HOV

+1.72%

DGICB vs HOV - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	DGICB	HOV
2026	+22.28%	+28.44%
2025	+30.82%	-23.82%
2024	+3.36%	-11.87%
2023	-7.61%	+262.67%
2022	+24.64%	-65.25%
2021	+18.61%	+299.65%
2020	+2.01%	+45.85%
2019	+12.41%	+9.84%
2018	-19.54%	-79.40%
2017	-6.47%	+26.89%
2016	-0.76%	+55.11%
2015	-21.35%	-57.11%
2014	-6.31%	-37.42%
2013	+29.14%	-4.20%
2012	+12.30%	+351.61%
2011	-4.38%	-65.80%
2010	+7.26%	+2.76%
2009	+0.85%	+135.58%
2008	-4.54%	-74.93%
2007	+3.13%	-77.61%
2006	+13.46%	-33.42%
2005	+30.08%	+2.46%
2004	+17.14%	+19.47%
2003	+77.01%	+157.73%
2002	+13.59%	+53.59%
2001	+15.54%	+128.50%
2000	+56.28%	+53.27%
1999	-17.74%	+0.00%

DGICB vs HOV Drawdown Comparison

The maximum drawdown for DGICB was -57.72%, occurring on Mar 23, 2020. Recovery took 2760 trading sessions.

The maximum drawdown for HOV was -99.70%, occurring on Aug 9, 2019. This drawdown has not yet recovered.

The current DGICB drawdown is -11.10%. The current HOV drawdown is -93.14%.

Rank	DGICB	HOV
#1	-57.72% Feb 17, 2015 - Feb 6, 2026	-99.70% Jul 20, 2005 - Aug 9, 2019
#2	-37.03% Sep 19, 2007 - Nov 3, 2009	-47.14% May 15, 2001 - Dec 24, 2001
#3	-36.90% Jul 25, 2011 - Mar 15, 2013	-39.28% Dec 8, 2003 - Dec 15, 2004
#4	-35.12% Mar 20, 2013 - Apr 7, 2014	-33.41% Jul 1, 2002 - Sep 9, 2002
#5	-34.34% Nov 3, 2009 - Jul 20, 2011	-30.72% Jun 16, 2003 - Oct 2, 2003
#6	-31.60% Mar 28, 2000 - Oct 27, 2000	-28.20% Sep 17, 2002 - Apr 23, 2003
#7	-31.13% Aug 3, 2001 - Jun 4, 2003	-19.24% Nov 9, 1999 - Aug 7, 2000
#8	-29.91% Apr 7, 2014 - Feb 12, 2015	-19.19% Mar 7, 2005 - May 24, 2005
#9	-26.92% Nov 2, 1999 - Mar 27, 2000	-18.44% Apr 30, 2001 - May 7, 2001
#10	-23.31% Feb 6, 2026 - Apr 24, 2026	-16.47% May 7, 2002 - Jun 6, 2002
#11	-22.55% Feb 20, 2001 - Aug 3, 2001	-14.06% Apr 2, 2001 - Apr 12, 2001
#12	-22.39% Nov 21, 2000 - Feb 16, 2001	-13.97% Feb 8, 2005 - Mar 4, 2005
#13	-20.60% Jun 16, 2026 - Jun 17, 2026	-11.91% Sep 11, 2000 - Nov 6, 2000
#14	-17.75% Apr 15, 2004 - Dec 23, 2004	-11.83% Aug 8, 2000 - Sep 11, 2000
#15	-16.95% May 10, 2006 - Jul 23, 2007	-10.48% Mar 6, 2002 - Apr 8, 2002

Correlation

Correlation between DGICB and HOV is -0.35 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.35

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