DGICA — what changed in the latest 10-Q
A section-by-section comparison of DGICA's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-08-04 vs the prior 10-Q · 2026-05-07
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +11 | −1 | ~18 | 25 |
| Market risk (Item 3) | Text added/removed | 0 | 0 | ~1 | 1 |
| Controls & procedures | Text added/removed | 0 | 0 | ~1 | 3 |
| Risk factors | No material changes reported (points to the 10-K) | — | — | — | — |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Legal proceedings, Other information
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-08-04
Underwriting Expenses. The expense ratio for an insurance company is the ratio of policy acquisition costs and other underwriting expenses to premiums earned. The expense ratio of our insurance subsidiaries was 35.8% for the second quarter of 2026, compared to 32.2% for the second quarter of 2025. T…
Results of Operations - Six Months Ended June 30, 2026 Compared to Six Months Ended June 30, 2025
Net Premiums Earned. Our insurance subsidiaries’ net premiums earned for the first half of 2026 were $443.9 million, a decrease of $20.5 million, or 4.4%, compared to $464.5 million for the first half of 2025, primarily reflecting lower retention and renewal premium increases, offset partially by mo…
Net Premiums Written. Our insurance subsidiaries’ net premiums written for the first half of 2026 were $465.7 million, a decrease of $15.2 million, or 3.2%, from the $480.9 million of net premiums written for the first half of 2025. Commercial lines net premiums written increased $4.7 million, or 1.…
Investment Income. Our net investment income was $28.8 million for the first half of 2026, an increase of $4.3 million, or 17.3%, compared to $24.5 million for the first half of 2025. We attribute the increase primarily to an increase in the average investment yield and higher average invested asset…
Text removed vs the prior filing · source: 10-Q · 2026-05-07
Underwriting Expenses. The expense ratio for an insurance company is the ratio of policy acquisition costs and other underwriting expenses to premiums earned. The expense ratio of our insurance subsidiaries was 35.4% for the first quarter of 2026, compared to 34.6% for the first quarter of 2025. The…
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice