Donegal Group (NASDAQ:DGICA – Get Free Report) and RSA Insurance Group (OTCMKTS:RSNAY – Get Free Report) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, earnings, institutional ownership, profitability, dividends, valuation and risk.
Analyst Ratings
This is a breakdown of recent ratings and recommmendations for Donegal Group and RSA Insurance Group, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Donegal Group | 0 | 2 | 2 | 0 | 2.50 |
| RSA Insurance Group | 0 | 0 | 0 | 0 | 0.00 |
Donegal Group currently has a consensus target price of $20.00, suggesting a potential upside of 1.32%. Given Donegal Group’s stronger consensus rating and higher possible upside, research analysts clearly believe Donegal Group is more favorable than RSA Insurance Group.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Donegal Group | 7.38% | 10.77% | 2.84% |
| RSA Insurance Group | N/A | N/A | N/A |
Valuation and Earnings
This table compares Donegal Group and RSA Insurance Group”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Donegal Group | $978.01 million | 0.75 | $79.34 million | $1.79 | 11.03 |
| RSA Insurance Group | N/A | N/A | N/A | N/A | N/A |
Donegal Group has higher revenue and earnings than RSA Insurance Group.
Insider & Institutional Ownership
28.0% of Donegal Group shares are owned by institutional investors. 2.8% of Donegal Group shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Summary
Donegal Group beats RSA Insurance Group on 9 of the 9 factors compared between the two stocks.
About Donegal Group
Donegal Group Inc., an insurance holding company, provides property and casualty insurance to businesses and individuals. It operates through three segments: Investment Function, Personal Lines of Insurance, and Commercial Lines of Insurance. The company offers private passenger automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents, as well as protection against loss from damage to automobiles; and homeowners policies, which provide coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft, as well as liability of the insured arising from injury to other persons or their property. It also offers commercial automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents and protection against loss from damage to automobiles owned by the insured; commercial multi-peril policies that provide protection to businesses against combining liability and physical damage coverages; and workers’ compensation policies, which provide benefits to employees for injuries sustained during employment. The company markets its insurance products primarily to Mid-Atlantic, Midwestern, New England, Southern, and Southwestern regions through independent insurance agencies. Donegal Group Inc. was incorporated in 1986 and is based in Marietta, Pennsylvania. Donegal Group Inc. operates as a subsidiary of Donegal Mutual Insurance Company.
About RSA Insurance Group
RSA Insurance Group plc provides personal and commercial general insurance products. It operates through Scandinavia, Canada, and UK & International segments. The company offers a range of personal insurance products, including home, car, pet, and travel insurance products directly to individuals and families, as well as through brokers and agents. It also provides commercial insurance products, such as property, vehicle and fleet, professional liability, and indemnity and travel insurance, as well as marine, renewable energy, construction and engineering, and rail insurance for small to medium sized enterprises, multinational companies, and sole traders. The company was formerly known as Royal & Sun Alliance Insurance Group plc and changed its name to RSA Insurance Group plc in May 2008. RSA Insurance Group plc was founded in 1706 and is headquartered in London, the United Kingdom.
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