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Donegal (DGICA)
NASDAQ:DGICA
US Market

Donegal Group (DGICA) Price & Analysis

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DGICA Stock Chart & Stats

$17.39
-$0.04(-0.27%)
At close: 4:00 PM EST
$17.39
-$0.04(-0.27%)

Bulls Say, Bears Say

Bulls Say
Strong Free Cash Flow ConversionNearly one-to-one conversion of net income into free cash flow indicates durable cash generation ability. This sustains dividend payments, funds reserve strengthening and working capital needs, reduces reliance on external financing, and provides capital flexibility through underwriting cycles.
Healthy Underwriting ProfitabilityConsistent net and EBIT margins reflect disciplined underwriting and expense control, creating a margin buffer versus claim volatility. Sustainable margins support reinvestment in distribution, steady earnings, and resilience to adverse loss periods over the medium term.
Conservative Balance Sheet LeverageLow leverage provides long-term financial stability, easing regulatory capital pressures and preserving ratings. Conservative debt levels allow the company to absorb underwriting losses, pursue opportunistic growth or M&A, and maintain reserve strength without forcing dilutive capital raises.
Bears Say
Slowing Revenue/premium GrowthA slowing top-line trend constrains long-term earnings expansion and the ability to scale fixed costs. For a P&C insurer, weaker premium growth can limit underwriting diversification and reduce leverage on operating expenses, making it harder to improve ROE and shareholder returns over several quarters.
Only Moderate Return On EquityA mid-teens ROE implies limited capital efficiency relative to higher-performing insurers. Over time, moderate ROE can constrain total shareholder returns and signal room to enhance underwriting discipline, pricing or capital allocation to drive better long-run profitability per unit of capital.
Broad Discretion In Executive IncentivesWhile performance-based plans align pay to targets, broad committee discretion and adjustment clauses can weaken strict pay-for-performance. Over time this may dilute accountability, reduce transparency for investors, and lessen incentives for consistent achievement of combined-ratio and premium-growth goals.

Donegal Group News

DGICA FAQ

What was Donegal’s price range in the past 12 months?
Donegal lowest stock price was $15.26 and its highest was $21.12 in the past 12 months.
    What is Donegal’s market cap?
    Donegal’s market cap is $667.91M.
      When is Donegal’s upcoming earnings report date?
      Donegal’s upcoming earnings report date is Apr 23, 2026 which is in 59 days.
        How were Donegal’s earnings last quarter?
        Donegal released its earnings results on Feb 19, 2026. The company reported $0.5 earnings per share for the quarter, missing the consensus estimate of $0.539 by -$0.039.
          Is Donegal overvalued?
          According to Wall Street analysts Donegal’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
            Does Donegal pay dividends?
            Donegal pays a Quarterly dividend of $0.182 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 0.64.
                How many shares outstanding does Donegal have?
                Donegal has 31,064,787 shares outstanding.
                  What happened to Donegal’s price movement after its last earnings report?
                  Donegal reported an EPS of $0.5 in its last earnings report, missing expectations of $0.539. Following the earnings report the stock price went down -5.642%.
                    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

                      Company Description

                      Donegal

                      Donegal Group Inc., an insurance holding company, provides personal and commercial lines of property and casualty insurance to businesses and individuals. It operates through three segments: Investment Function, Personal Lines of Insurance, and Commercial Lines of Insurance. The company offers private passenger automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents, as well as protection against loss from damage to automobiles; and homeowners policies, which provide coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft, as well as liability of the insured arising from injury to other persons or their property. It also offers commercial automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents and protection against loss from damage to automobiles owned by the insured; commercial multi-peril policies that provide protection to businesses against combining liability and physical damage coverages; and workers' compensation policies, which provide benefits to employees for injuries sustained during employment. The company markets its insurance products primarily to Mid-Atlantic, Midwestern, New England, Southern, and Southwestern regions through approximately 2,300 independent insurance agencies. Donegal Group Inc. was incorporated in 1986 and is headquartered in Marietta, Pennsylvania.

                      Donegal Group (DGICA) Earnings & Revenues

                      DGICA Company Deck

                      DGICA Earnings Call

                      Q4 2026
                      0:00 / 0:00
                      Earnings Call Sentiment|Positive
                      The call emphasized strong full-year financial results and several strategic achievements — notably a record $79.3M net income (up 56%), improved full-year combined ratio (95.4% vs 98.6%), meaningful investment income and yield enhancements, progress on technology modernization, and disciplined commercial rate gains. Offsetting these positives were material declines in personal lines premiums (NPW down ~13.6% for the year), elevated Q4 weather and large-fire impacts, some adverse reserve development in specific commercial lines, a Q4 increase in the expense ratio driven by higher agency incentives and lower premium volume, and a Q4 drop in quarterly net income versus 2024. Overall, the company presents strong underlying profitability and balance-sheet gains, while acknowledging the need to restore quality premium growth and manage specific loss drivers.View all DGICA earnings summaries

                      DGICA Stock 12 Month Forecast

                      Average Price Target

                      $19.50
                      ▲(12.13% Upside)
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1,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 4, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 0</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":18.969,"date":1751328000000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 2,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 8, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 0</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":16.427,"date":1754006400000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 8,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 15, \t&nbsp;</span>\n    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                      Ownership Overview

                      61.65%10.05%7.74%9.56%
                      61.65% Insiders
                      7.74% Other Institutional Investors
                      9.56% Public Companies and
                      Individual Investors

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