{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-26-000917","form_type":"8-K","ticker":"DGICA","cik":"0000800457","company_name":"DONEGAL GROUP INC","filed_at":"2026-02-19T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.728768+00:00","generated_at":"2026-05-16T01:53:30.332944+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Donegal Group Q4 net income down 28%; full-year EPS up 42% on improved underwriting","bullets":["Q4 net premiums earned $226.9M (-4.1% YoY); combined ratio 96.3% vs 92.9% (worsened).","Q4 net income $17.2M ($0.47 diluted Class A EPS) vs $24.0M ($0.70) – down 32.9% per share.","Full-year net income $79.3M ($2.18 diluted EPS) vs $50.9M ($1.53) – up 42.5% per share.","Full-year combined ratio improved to 95.4% from 98.6% (3.2 point improvement).","Book value per share $17.33 at Dec 31, 2025, up 12.8% from $15.36 at year-end 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-26-000917","json":"https://secwatch.observer/filing/0001171843-26-000917.json","markdown":"https://secwatch.observer/filing/0001171843-26-000917.md","text":"https://secwatch.observer/filing/0001171843-26-000917.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/800457/000117184326000917/0001171843-26-000917-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/800457/000117184326000917/f8k_021826.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T01:53:30.332944+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}