COMP <GO>
DGICB vs MS // FREE CASH FLOW YIELD
Donegal Group Inc. (Class B) (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: DGICB 5
— MS 4
▲ FREE CASH FLOW YIELD LEADER: DGICB
LAST: $24.99 (+5.44%) • MKT CAP: $879.7M
fcf-yield
7.98%
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
fcf-yield
-7.25%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (DGICB VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | DGICB | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 12.40% | 3.00% | +9.40 | DGICB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 7.98% | -7.25% | +15.23 | DGICB | /fcf-yield <GO> |
| Operating Margin | — | 24.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 8.10% | 20.20% | -12.10 | MS | /net-margins <GO> |
| Revenue Growth (YoY) | -1.20% | 5.50% | -6.70 | MS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.92% | 2.21% | +0.71 | DGICB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | MS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 58.2 | 51.0 | +7.20 | DGICB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.3x | 16.5x | -6.20 | DGICB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $879.7M | $298.41B | -$297.53B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | DGICB REV | MS REV | DGICB GROSS % | MS GROSS % | DGICB FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $978.0M | $0 | — | — | $70.2M | -$17.89B |
| FY 2024 | $989.6M | $0 | — | — | $67.4M | $1.36B |
| FY 2023 | $927.3M | $0 | — | — | $28.6M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
DGICB // BETA —
MS // BETA 1.04