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DGICA Stock Chart & Stats
$17.85
-$0.04(-0.27%)
At close: 4:00 PM EST
$17.85
-$0.04(-0.27%)
Day’s Range― - ―
52-Week Range$16.11 - $21.06
Previous CloseN/A
Volume22.41K
Average Volume (3M)150.38K
Market Cap
$712.39M
Enterprise Value$669.75
Total Cash (Recent Filing)$510.89M
Total Debt (Recent Filing)$35.00M
Price to Earnings (P/E)10.2
Beta0.31
Next Earnings
Jul 30, 2026EPS Estimate
0.42Next Dividend Ex-DateN/A
Dividend Yield3.51%
Share Statistics
EPS (TTM)1.83
Shares Outstanding31,472,828
10 Day Avg. Volume126,566
30 Day Avg. Volume150,379
Financial Highlights & Ratios
PEG Ratio0.20
Price to Book (P/B)0.96
Price to Sales (P/S)0.63
P/FCF Ratio8.75
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$20.00Price Target Upside12.04% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.73
Revenue Forecast (FY)$897.53M
Bulls Say, Bears Say
Bulls Say
Very Conservative Balance Sheet / Very Low LeverageDonegal’s exceptionally low leverage and growing equity provide durable capital to absorb underwriting volatility and catastrophes, support ratings and dividend policy, and give management flexibility for reinsurance, rate actions, or opportunistic investments without stressing solvency metrics.
Strong Cash Generation And Earnings-to-cash ConversionFree cash flow that closely tracks net income underpins sustainable capital returns and reinvestment. Reliable cash conversion lets Donegal fund dividends, underwriting collateral and tech modernization while maintaining conservative capital buffers through insurance cycles.
Improving Core Underwriting And Strong Personal/commercial MetricsUnderlying loss-ratio improvements and high retention indicate durable pricing, risk selection and agent relationships. Commercial rate increases and modest new business growth point to a strategic shift toward higher-margin segments, supporting more consistent underwriting profitability over time.
Bears Say
Severely Weak Recent Revenue TrendA dramatic TTM revenue decline undermines the premium base that drives underwriting scale and spread of fixed acquisition expenses. If sustained, this weak top-line trajectory limits earnings leverage, makes expense ratios harder to manage, and constrains long-term growth options.
Underwriting Volatility From Weather And Large LossesMaterial catastrophe and large-loss swings drove a near-100 combined ratio and halved net income, highlighting that underwriting results remain exposed to concentrated weather and fire events. Persistent volatility can erode capital and force higher reinsurance costs or rate increases, limiting margin stability.
Rising Expense Pressure From Technology MigrationInvesting in Guidewire Cloud and Gen AI is strategically positive but raises near-term operating costs and execution risk. Higher expense ratios reduce underwriting margin headroom and divert capital to IT projects, which could compress returns until efficiencies or scale benefits are realized.
Donegal Group News
DGICA FAQ
What was Donegal’s price range in the past 12 months?
Donegal lowest stock price was $16.11 and its highest was $21.06 in the past 12 months.
What is Donegal’s market cap?
Donegal’s market cap is $712.39M.
When is Donegal’s upcoming earnings report date?
Donegal’s upcoming earnings report date is Jul 30, 2026 which is in 11 days.
How were Donegal’s earnings last quarter?
Donegal released its earnings results on Apr 30, 2026. The company reported $0.32 earnings per share for the quarter, missing the consensus estimate of $0.449 by -$0.129.
Is Donegal overvalued?
According to Wall Street analysts Donegal’s price is currently Undervalued.
Does Donegal pay dividends?
Donegal pays a Quarterly dividend of $0.192 which represents an annual dividend yield of 3.51%. See more information on Donegal dividends here
What is Donegal’s EPS estimate?
Donegal’s EPS estimate is 0.42.
How many shares outstanding does Donegal have?
Donegal has 31,472,828 shares outstanding.
What happened to Donegal’s price movement after its last earnings report?
Donegal reported an EPS of $0.32 in its last earnings report, missing expectations of $0.449. Following the earnings report the stock price went down -4.596%.
Which hedge fund is a major shareholder of Donegal?
Currently, no hedge funds are holding shares in DGICA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Donegal Group Stock Smart Score
Neutral
1
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4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$20.00 (12.04% Upside)
$20.00 (12.04% Upside)
Blogger Sentiment
Bullish
DGICA Sentiment 70%
Sector Average 64%
Sector Average 64%
Hedge Fund Trend
Increased
By 28.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $3.4M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Neutral
Last 7 Days ▼ 1.2%
Last 30 Days ▲ 1.1%
Last 30 Days ▲ 1.1%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
5.44%
12-Months-Change
Fundamentals
Return on Equity
10.41%
Trailing 12-Months
Asset Growth
3.89%
Trailing 12-Months
Company Description
Donegal
Donegal Group, Inc. is an insurance holding company, which engages in the provision of property and casualty insurance to businesses and individuals. It operates through the following segments: Investment Function, Personal Lines of Insurance, and Commercial Lines of Insurance. The Investment Function segment covers investment activities. The Personal Lines of Insurance segment consists of homeowners and private passenger automobile policies. The Commercial Lines of Insurance segment includes commercial automobile, commercial multi-peril, and workers compensation policies. The company was founded on August 26, 1986 and is headquartered in Marietta, PA.
DGICA Stock 12 Month Forecast
Average Price Target
$20.00
▲(12.04% Upside)
Technical Analysis
Safety Insurance Group
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United Fire Group
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Universal Insurance Holdings
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American Coastal Insurance
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Heritage Insurance Holdings
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Ownership Overview
61.58% Insiders
9.76% Mutual Funds
1.35% Other Institutional Investors
16.35% Public Companies and
Individual Investors