Donegal Group第三季度净利1820万美元：每股收益0.49美元、综合成本率96.5%
总部位于宾夕法尼亚州 Marietta 的保险控股公司 Donegal Group Inc.（纳斯达克：DGICA、DGICB）10月29日公布2026年第三季度及前九个月业绩：第三季度净利1,820万美元、摊薄 A 类股每股收益0.49美元，去年同期净利2,010万美元、每股收益0.55美元。
第三季度净承保保费为2.229亿美元，同比下降3.0%；其中商业险净承保保费1.429亿美元，同比增长1.9%；个人险7,997万美元，同比下降10.7%。季度总收入2.377亿美元，同比下降3.4%。
承保综合成本率为96.5%，去年同期为95.9%。季度天气相关损失为1,910万美元、占赔付率8.6个百分点，高于去年同期的1,430万美元；大额火灾损失580万美元，同比减少。投资收益净额1,469万美元，同比增长5.4%；本季含税后净投资损失60万美元，去年同期为净投资收益100万美元。
非 GAAP 经营利润为1,864万美元，去年同期1,908万美元；年化平均股本回报率10.9%，去年同期13.0%。截至2026年9月30日，每股账面价值17.70美元，高于去年同期的17.14美元。前九个月净利5,197万美元，去年同期6,215万美元。
总裁兼首席执行官 Kevin G. Burke 表示，第三季度公司经营地区延续疲软的市场环境，保费增长计划受阻，但公司仍实现稳健盈利；个人汽车险新业务因重新推出12个月保单期限而受益。他说，公司正与独立代理伙伴制定具体行动计划，目标是在2027年实现适度而盈利的保费增长。
Donegal Group 是一家保险控股公司，其保险子公司以 Donegal Insurance Group 之名，在中大西洋、南部、中西部与西南部共21个州经营财产与意外伤害保险业务。
Donegal Group Reports Third-Quarter Net Income of $18.2 Million, or $0.49 Per Diluted Class A Share
MARIETTA, Pennsylvania — Donegal Group Inc. (NASDAQ: DGICA and DGICB), an insurance holding company based in Marietta, Pennsylvania, on October 29 reported financial results for the third quarter and first nine months of 2026, with third-quarter net income of $18.2 million, or $0.49 per diluted Class A share, compared with $20.1 million, or $0.55 per diluted Class A share, in the third quarter of 2025.
Net premiums earned decreased 3.0% to $222.9 million in the quarter. Commercial lines net premiums earned rose 1.9% to $142.9 million, while personal lines fell 10.7% to $80.0 million. Total revenues were $237.7 million, down 3.4%.
The GAAP combined ratio was 96.5%, compared with 95.9% a year earlier. Weather-related losses were $19.1 million, or 8.6 points of the loss ratio, up from $14.3 million a year earlier, while large fire losses fell to $5.8 million. Net investment income rose 5.4% to $14.7 million; the quarter included after-tax net investment losses of $0.6 million, versus gains of $1.0 million a year earlier.
Non-GAAP operating income was $18.6 million, versus $19.1 million a year earlier, and annualized return on average equity was 10.9%, compared with 13.0%. Book value per share was $17.70 at September 30, 2026, compared with $17.14 a year earlier. Net income for the first nine months was $52.0 million, versus $62.2 million a year earlier.
President and Chief Executive Officer Kevin G. Burke said soft market conditions continued across the company's operating regions in the third quarter and impeded its premium growth plan, but the company delivered solid profitability, and personal automobile new business benefited from the reintroduction of a 12-month policy term. He said the company is working with its independent agency partners on action plans aimed at profitable, modest premium growth in 2027.
Donegal Group is an insurance holding company whose subsidiaries conduct business together as the Donegal Insurance Group, offering property and casualty insurance in 21 states across the Mid-Atlantic, the South, the Midwest and the Southwest.
来源：GSM·美国（原文链接）
图片来源：宾夕法尼亚州 Marietta 老市政厅（Donegal Group 总部所在地，资料图）。Smallbones 摄，CC0，经 Wikimedia Commons。 / The Old Town Hall in Marietta, Pennsylvania, home of Donegal Group's headquarters (file photo). Photo by Smallbones, CC0, via Wikimedia Commons.
