DGICA
NEUTRAL
$17.12
Live
Donegal Group Inc. · NASDAQ
Target $20.5
(+19.7%)
$16.43
52W Range
$21.12
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 08, 2026
Market cap
$633.49M
P/E
7.85
ROE
13.4%
Profit margin
8.1%
Debt/Equity
0.05
Dividend yield
4.26%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
DGICA shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Mixed signals with both opportunities and risks present.
Key Strengths
Attractive valuation with P/E of 7.9
Undervalued vs Graham Number ($29.15)
Low debt with D/E ratio of 0.05
Key Risks
Weak financial trend (Piotroski F-Score: 3/9)
Declining revenue (-3.9%)
AI Fair Value Estimate
Based on comprehensive analysis
$15.26
-10.9% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
53
Moderate
75
35
50
35
70
AI Verdict
DGICA shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Mixed signals with both opportunities and risks present.
Key drivers: Attractive valuation with P/E of 7.9, Undervalued vs Graham Number ($29.15), Weak financial trend (Piotroski F-Score: 3/9)
Confidence
40%
Value
75/100
Rule-based valuation (P/E + Graham).
Positives
- Trades at attractive 7.9x trailing earnings.
- Trades below Graham Number.
Watchpoints
No urgent risks highlighted.
Future
35/100
Rule-based growth outlook.
Positives
- Insufficient data for clear positives.
Watchpoints
- Revenue is contracting.
Past
50/100
Historical performance + price trend: Shares moved +39.8% over 5Y and -0.2% over 1Y.
Positives
- Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.
Health
35/100
Balance sheet & liquidity (Z-Score: N/A).
Positives
- Low D/E ratio (0.05).
Watchpoints
No urgent risks highlighted.
Dividend
70/100
Dividend policy fallback.
Positives
- Strong dividend profile (Score: 70/100).
- Yield: 4.3%.
Watchpoints
No urgent risks highlighted.
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$17.12
Analyst Target
$20.5
Upside/Downside
+19.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for DGICA and closest competitors.
Updated 2026-04-07
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
DGICA
Donegal Group Inc.
Primary
|
+39.8% | +28.3% | -0.2% | -11.2% | +0.8% | -0.3% |
|
CWBC
Community West Bancshares
Peer
|
+37.9% | +33.4% | +43.2% | +13.4% | +2.0% | -0.3% |
|
AMSF
AMERISAFE, Inc.
Peer
|
-24.1% | -19.1% | -31.7% | -23.1% | -14.5% | -4.4% |
|
BUI
BlackRock Utilities, Infrastructure & Power Opportunities Trust
Peer
|
+47.1% | +52.3% | +25.0% | +8.1% | +4.1% | +0.8% |
|
ALRS
Alerus Financial Corporation
Peer
|
-13.5% | +59.7% | +34.4% | +5.7% | -5.8% | -1.3% |
DGI
Donegal Group Inc.
Primary
5Y
+39.8%
3Y
+28.3%
1Y
-0.2%
6M
-11.2%
1M
+0.8%
1W
-0.3%
CWB
Community West Bancshares
Peer
5Y
+37.9%
3Y
+33.4%
1Y
+43.2%
6M
+13.4%
1M
+2.0%
1W
-0.3%
AMS
AMERISAFE, Inc.
Peer
5Y
-24.1%
3Y
-19.1%
1Y
-31.7%
6M
-23.1%
1M
-14.5%
1W
-4.4%
BUI
BlackRock Utilities, Infrastructure & Power Opportunities Trust
Peer
5Y
+47.1%
3Y
+52.3%
1Y
+25.0%
6M
+8.1%
1M
+4.1%
1W
+0.8%
ALR
Alerus Financial Corporation
Peer
5Y
-13.5%
3Y
+59.7%
1Y
+34.4%
6M
+5.7%
1M
-5.8%
1W
-1.3%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
7.85
Forward P/E
8.15
PEG Ratio
N/A
P/B Ratio
0.99
P/S Ratio
0.65
EV/Revenue
0.62
EV/EBITDA
5.91
Market Cap
$633.49M
Profitability
Profit margins and return metrics
Profit Margin
8.11%
Operating Margin
8.87%
Gross Margin
10.17%
ROE
13.38%
ROA
2.62%
Growth
Revenue and earnings growth rates
Revenue Growth
-3.9%
Earnings Growth
-33.3%
Q/Q Revenue Growth
-3.93%
Q/Q Earnings Growth
-28.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.05
Low debt
Current Ratio
0.49
Weak
Quick Ratio
0.15
Poor
Cash/Share
$1.77
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.2B
Net Margin
7.2%
Total Assets
$2.4B
Liabilities
$1.7B
Equity
$0.6B
Debt/Equity
2.73x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-30
$N/A
2026-02-19
$0.5
-5.7% surprise
2025-10-30
$0.52
+2.0% surprise
2025-07-24
$0.43
+10.3% surprise
Financial Services Sector Comparison
Comparing DGICA against 258 companies in the Financial Services sector
(38 bullish, 113 neutral, 107 bearish)
P/E Ratio
7.85
This Stock
vs
27.04
Sector Avg
-71.0%
(Discount)
Return on Equity (ROE)
13.38%
This Stock
vs
-2.62%
Sector Avg
-610.9%
(Below Avg)
Profit Margin
8.11%
This Stock
vs
77.23%
Sector Avg
-89.5%
(Weaker)
Debt to Equity
0.05
This Stock
vs
1.48
Sector Avg
-96.3%
(Less Debt)
Revenue Growth
-3.9%
This Stock
vs
31.62%
Sector Avg
-112.3%
(Slower)
Current Ratio
0.49
This Stock
vs
3.39
Sector Avg
-85.6%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
DGICA
Donegal Group Inc.
|
NEUTRAL | $633.49M | 7.85 | 13.4% | 8.1% | $17.12 | |
|
CWBC
Community West Bancshares
|
BULLISH | $629.89M | 11.61 | 9.9% | 26.7% | $23.22 | Compare |
|
AMSF
AMERISAFE, Inc.
|
BEARISH | $621.67M | 13.3 | 18.5% | 14.9% | $32.85 | Compare |
|
BUI
BlackRock Utilities,...
|
BEARISH | $603.53M | 6.22 | -% | -% | $26.57 | Compare |
|
ALRS
Alerus Financial Corporation
|
BEARISH | $598.45M | 34.65 | 3.3% | 7.8% | $23.56 | Compare |
DGICA
Donegal Group Inc.
NEUTRAL
Mkt Cap
$633M
P/E
7.9
ROE
13.4%
Price
$17.12
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-03 | DONEGAL MUTUAL INSURANCE COMPANY | Beneficial Owner of more than 10% of a Class of Security | Purchase | 9,000 | $158,652 |
| 2026-03-03 | DELAMATER WILLIAM DANIEL | Chief Operating Officer | Sale | 9,000 | $158,652 |
| 2026-03-03 | DELAMATER WILLIAM DANIEL | Chief Operating Officer | Option Exercise | 9,000 | $129,510 |
| 2026-01-02 | MOORE SEWELL TREZEVANT JR. | Director | Stock Award | 1,200 | $23,976 |
| 2026-01-02 | MILLER JEFFREY DEAN | Chief Financial Officer | Stock Award | 1,200 | $23,976 |
| 2026-01-02 | HUBER BARRY C | Director | Stock Award | 1,200 | $23,976 |
| 2026-01-02 | KRAFT KEVIN MICHAEL SR. | Director | Stock Award | 1,200 | $23,976 |
| 2026-01-02 | BURKE KEVIN GERARD | Chief Executive Officer | Stock Award | 1,200 | $23,976 |
| 2026-01-02 | MAHAN JON MARSHALL | Director | Stock Award | 1,200 | $23,976 |
| 2026-01-02 | HESS JACK LEE | Director | Stock Award | 1,200 | $23,976 |
| 2026-01-02 | BIXENMAN DENNIS JOSEPH | Director | Stock Award | 1,200 | $23,976 |
| 2026-01-02 | SZADY ANNETTE BROOKENS | Director | Stock Award | 1,200 | $23,976 |
| 2026-01-02 | KING DAVID CHARLES | Director | Stock Award | 1,200 | $23,976 |
| 2026-01-02 | SCHATZ BRITTA HARRIS | Director | Stock Award | 1,200 | $23,976 |
| 2025-12-11 | BAWEL DAVID BENJAMIN | Officer | Sale | 674 | $13,745 |
DONEGAL MUTUAL INSURANCE COMPANY
Beneficial Owner of more than 10% of a Class of Security
2026-03-03
9,000 shares
·
$158,652
DELAMATER WILLIAM DANIEL
Chief Operating Officer
2026-03-03
9,000 shares
·
$158,652
DELAMATER WILLIAM DANIEL
Chief Operating Officer
2026-03-03
9,000 shares
·
$129,510
MOORE SEWELL TREZEVANT JR.
Director
2026-01-02
1,200 shares
·
$23,976
MILLER JEFFREY DEAN
Chief Financial Officer
2026-01-02
1,200 shares
·
$23,976
HUBER BARRY C
Director
2026-01-02
1,200 shares
·
$23,976
KRAFT KEVIN MICHAEL SR.
Director
2026-01-02
1,200 shares
·
$23,976
BURKE KEVIN GERARD
Chief Executive Officer
2026-01-02
1,200 shares
·
$23,976
MAHAN JON MARSHALL
Director
2026-01-02
1,200 shares
·
$23,976
HESS JACK LEE
Director
2026-01-02
1,200 shares
·
$23,976
BIXENMAN DENNIS JOSEPH
Director
2026-01-02
1,200 shares
·
$23,976
SZADY ANNETTE BROOKENS
Director
2026-01-02
1,200 shares
·
$23,976
KING DAVID CHARLES
Director
2026-01-02
1,200 shares
·
$23,976
SCHATZ BRITTA HARRIS
Director
2026-01-02
1,200 shares
·
$23,976
BAWEL DAVID BENJAMIN
Officer
2025-12-11
674 shares
·
$13,745
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
2 analysts
Keefe, Bruyette & Woods
2026-04-07
Market Perform
Market Perform
Keefe, Bruyette & Woods
2026-02-20
Market Perform
Market Perform
Keefe, Bruyette & Woods
2026-01-06
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning DGICA from our newsroom.
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