COMP <GO>
DGICA vs ROOT // 10Y YIELD & FRED MACRO BETA
Donegal Group Inc. (Class A) (NASDAQ) VS. Root Inc. (Class A) (NASDAQ) • 15-METRIC TALLY: DGICA 3
— ROOT 6
■ METRIC PARITY
LAST: $18.83 (+1.07%) • MKT CAP: $699.0M
macro-sensitivity
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LAST: $53.73 (+3.13%) • MKT CAP: $832.5M
macro-sensitivity
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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (DGICA VS. ROOT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | DGICA | ROOT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 12.40% | 85.00% | -72.60 | ROOT | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 6.7x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 10.04% | 24.81% | -14.77 | ROOT | /fcf-yield <GO> |
| Operating Margin | — | 4.10% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 8.10% | 2.60% | +5.50 | DGICA | /net-margins <GO> |
| Revenue Growth (YoY) | -1.20% | 29.00% | -30.20 | ROOT | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.67% | 0.00% | +3.67 | DGICA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 6/9 | -2.00 | ROOT | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.8 | 52.5 | -0.78 | ROOT | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 8.2x | 17.5x | -9.30 | DGICA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $699.0M | $832.5M | -$133.5M | ROOT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | DGICA REV | ROOT REV | DGICA GROSS % | ROOT GROSS % | DGICA FCF | ROOT FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $978.0M | $1.52B | — | — | $70.2M | $206.5M |
| FY 2024 | $989.6M | $1.18B | — | — | $67.4M | $195.3M |
| FY 2023 | $927.3M | $455.0M | — | — | $28.6M | -$33.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
DGICA // BETA —
ROOT // BETA —