HOV vs DGICB

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

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

5-Year PerformanceDGICB has outperformed HOV, delivering a return of +13.7% compared to +6.4%

HOV vs DGICB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

HOV

$846M

DGICB

$845M

Max Drawdown

HOV

99.70%

Winner

DGICB

64.25%

Sharpe Ratio

HOV

0.78

Winner

DGICB

0.80

5Y Beta

HOV

1.37

Winner

DGICB

0.33

Industry

HOV

Residential Construction

DGICB

Insurance - Property & Casualty

P/E Ratio

HOV

14.90

Winner

DGICB

11.65

Forward P/E

Winner

HOV

13.50

DGICB

14.37

Dividend Yield

HOV

N/A

DGICB

3.08%

5Y Dividends CAGR

HOV

N/A

DGICB

9.09%

5Y EPS CAGR

HOV

N/A

DGICB

-0.44%

Debt to Equity

HOV

109.34%

Winner

DGICB

5.39%

Free Cash Flow Yield

Winner

HOV

32.10%

DGICB

7.65%

HOV vs DGICB - Historical Returns

Returns include dividend reinvestment.

Period	HOV	DGICB
1 month	+36.33%	+23.43%
3 months	+25.30%	+46.93%
6 months	+24.29%	+37.43%
1 year	+44.04%	+43.50%
5 years(CAGR)	+6.44%	+13.73%
10 years(CAGR)	+12.18%	+8.50%
Max(CAGR)	+1.90%	+9.72%

Winner

HOV

+36.33%

DGICB

+23.43%

HOV

+25.30%

Winner

DGICB

+46.93%

HOV

+24.29%

Winner

DGICB

+37.43%

Winner

HOV

+44.04%

DGICB

+43.50%

5Y(CAGR)

HOV

+6.44%

Winner

DGICB

+13.73%

10Y(CAGR)

Winner

HOV

+12.18%

DGICB

+8.50%

Max(CAGR)

HOV

+1.90%

Winner

DGICB

+9.72%

HOV vs DGICB - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	HOV	DGICB
2026	+34.77%	+32.73%
2025	-23.82%	+30.82%
2024	-11.87%	+3.36%
2023	+262.67%	-7.61%
2022	-65.25%	+24.64%
2021	+299.65%	+18.61%
2020	+45.85%	+2.01%
2019	+9.84%	+12.41%
2018	-79.40%	-19.54%
2017	+26.89%	-6.47%
2016	+55.11%	-0.76%
2015	-57.11%	-21.35%
2014	-37.42%	-6.31%
2013	-4.20%	+29.14%
2012	+351.61%	+12.30%
2011	-65.80%	-4.38%
2010	+2.76%	+7.26%
2009	+135.58%	+0.85%
2008	-74.93%	-4.54%
2007	-77.61%	+3.13%
2006	-33.42%	+13.46%
2005	+2.46%	+30.08%
2004	+19.47%	+17.14%
2003	+157.73%	+77.01%
2002	+53.59%	+13.59%
2001	+128.50%	+15.54%
2000	+53.27%	+56.28%
1999	+0.00%	-17.74%

HOV vs DGICB Drawdown Comparison

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

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

The current HOV drawdown is -92.80%. The current DGICB drawdown is -3.50%.

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

Correlation

Correlation between HOV and DGICB is -0.34 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.34

-101