DGICB

NEUTRAL

$17.69 Live

Donegal Group Inc. · NASDAQ

$13.84 52W Range $20.46

DGICB Donegal Group Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

DGICB Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Insurance - Property & Casualty

Current Price Live

$17.69

52W High

$20.46

52W Low

$13.84

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 08, 2026

Market cap

$687.47M

P/E

8.11

ROE

13.4%

Profit margin

8.1%

Debt/Equity

0.05

Dividend yield

3.73%

AI Analysis

AI-powered fundamental assessment

Confidence

80%

DGICB 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 8.1

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

-13.7% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

DGICB 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 8.1, 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 8.1x 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 +51.0% over 5Y and +12.1% 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

35/100

Dividend policy fallback.

Positives

Yield: 3.7%.

Watchpoints

Weak dividend profile (Score: 35/100).

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$17.69

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for DGICB and closest competitors.

Updated 2026-04-06

Company	5Y	3Y	1Y	6M	1M	1W
DGICB Donegal Group Inc. Primary	+51.0%	+32.2%	+12.1%	+7.2%	+14.7%	+1.8%
BHK BlackRock Core Bond Trust Peer	-14.3%	+11.3%	+0.6%	+6.0%	+1.2%	-0.2%
BOE BlackRock Enhanced Global Dividend Trust Peer	+56.8%	+49.1%	+15.2%	+8.2%	+2.2%	+0.4%
ACP Abrdn Income Credit Strategies Fund Peer	+10.2%	+16.0%	+7.4%	+0.4%	+3.3%	+0.4%
ASGI Abrdn Global Infrastructure Income Fund Peer	+81.9%	+71.2%	+44.0%	+13.2%	+0.7%	+4.0%

DGI

Donegal Group Inc.

Primary

+51.0%

+32.2%

+12.1%

+7.2%

+14.7%

+1.8%

BHK

BlackRock Core Bond Trust

Peer

-14.3%

+11.3%

+0.6%

+6.0%

+1.2%

-0.2%

BOE

BlackRock Enhanced Global Dividend Trust

Peer

+56.8%

+49.1%

+15.2%

+8.2%

+2.2%

+0.4%

ACP

Abrdn Income Credit Strategies Fund

Peer

+10.2%

+16.0%

+7.4%

+0.4%

+3.3%

+0.4%

ASG

Abrdn Global Infrastructure Income Fund

Peer

+81.9%

+71.2%

+44.0%

+13.2%

+0.7%

+4.0%

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

8.11

N/A

1.02

0.7

0.64

6.12

$687.47M

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

2014-02-21

$0.35

+29.6% surprise

2013-10-25

$0.26

+13.8% surprise

2013-07-26

$0.09

-47.1% surprise

Financial Services Sector Comparison

Comparing DGICB against 258 companies in the Financial Services sector (38 bullish, 113 neutral, 107 bearish)

P/E Ratio

8.11

This Stock

27.04

Sector Avg

-70.0% (Discount)

Return on Equity (ROE)

13.38%

This Stock

-2.62%

Sector Avg

-610.9% (Below Avg)

Profit Margin

8.11%

This Stock

77.23%

Sector Avg

-89.5% (Weaker)

Debt to Equity

0.05

This Stock

1.48

Sector Avg

-96.3% (Less Debt)

Revenue Growth

-3.9%

This Stock

31.62%

Sector Avg

-112.3% (Slower)

Current Ratio

0.49

This Stock

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
DGICB Donegal Group Inc.	NEUTRAL	$687.47M	8.11	13.4%	8.1%	$17.69
BHK BlackRock Core Bond Trust	BEARISH	$690.46M	16.48	6.0%	74.3%	$9.56	Compare
BOE BlackRock Enhanced Global...	NEUTRAL	$678.61M	10.08	9.4%	432.8%	$11.9	Compare
ACP Abrdn Income Credit Strategies Fund	NEUTRAL	$698.87M	17.41	5.0%	42.9%	$5.57	Compare
ASGI Abrdn Global...	BEARISH	$714.98M	8.13	-%	-%	$22.61	Compare

DGICB Donegal Group Inc.

NEUTRAL

Mkt Cap

$687M

P/E

8.1

ROE

13.4%

Price

$17.69

BHK BlackRock Core...

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Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2025-11-21	DONEGAL MUTUAL INSURANCE COMPANY	Beneficial Owner of more than 10% of a Class of Security	Purchase	43,404	$759,570

DONEGAL MUTUAL INSURANCE COMPANY

Beneficial Owner of more than 10% of a Class of Security

Buy

2025-11-21

43,404 shares · $759,570

Insider transactions can signal confidence or concerns about company prospects

Past News Coverage

Recent headlines mentioning DGICB from our newsroom.

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DGICB

DGICB Donegal Group Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

Past News Coverage

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