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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)121.98K
Market Cap
$715.04M
Enterprise Value$641.95M
Total Cash (Recent Filing)$510.89M
Total Debt (Recent Filing)$35.00M
Price to Earnings (P/E)10.3
Beta0.30
Next Earnings
Jul 23, 2026EPS Estimate
0.42Next Dividend Ex-DateN/A
Dividend Yield3.51%
Share Statistics
EPS (TTM)1.83
Shares Outstanding31,472,828
10 Day Avg. Volume109,907
30 Day Avg. Volume121,978
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 Cap0.90
Enterprise Value/Revenue0.66
Enterprise Value/Gross Profit2.28
Enterprise Value/Ebitda7.65
Forecast
1Y Price Target
$18.00Price Target Upside0.84% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.8
Revenue Forecast (FY)$901.98M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetVery low leverage and meaningful equity growth provide a durable capital cushion for underwriting volatility and catastrophe shocks. This conservative capital structure supports reinsurance flexibility, dividend policy and the ability to deploy capital for targeted growth or reserve strengthening without straining liquidity.
Strong Cash GenerationFree cash flow that closely tracks earnings means the company converts underwriting and investment results into real cash, sustaining dividends and funding technology and operational investments. Reliable cash conversion improves financial flexibility across underwriting cycles despite some recent volatility in FCF growth.
Improved Investment Income And YieldsRising portfolio yields and planned bond cash flows (projected $135M at ~4.45%) create a structurally stronger investment income stream that cushions underwriting volatility. Higher recurring investment returns support net income, book value accretion and the sustainability of the increased dividend over coming quarters.
Bears Say
Combined Ratio DeteriorationA near-100 combined ratio signals that underwriting profitability has weakened materially, compressing operating earnings and limiting capital generation from core operations. If sustained, higher combined ratios force either significant rate increases, tighter underwriting or reduced growth to restore structural profitability.
Elevated Weather & Cat LossesSignificantly higher weather and large-fire impacts increase loss volatility and raise reinsurance and pricing needs. Persistent climate-driven loss frequency/severity makes underwriting results less predictable, potentially increasing margin pressure and forcing more conservative exposure management over multiple quarters.
Material Personal Premium ContractionA sharp contraction in personal premiums reduces scale and can elevate the expense ratio as fixed acquisition and servicing costs spread over a smaller base. Even with strong personal profitability, sustained premium declines threaten top-line durability and customer mix, requiring several quarters of targeted new business and retention improvements to reverse.
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 $715.04M.
When is Donegal’s upcoming earnings report date?
Donegal’s upcoming earnings report date is Jul 23, 2026 which is in 22 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 $0.193 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
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Analyst Consensus
Hold
Average Price Target:
$18.00 (0.84% Upside)
$18.00 (0.84% Upside)
Blogger Sentiment
Bullish
DGICA Sentiment 70%
Sector Average ―
Sector Average ―
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
Very Negative
Last 7 Days ▼ 0.9%
Last 30 Days ▼ 3.9%
Last 30 Days ▼ 3.9%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-1.54%
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 Company Deck
DGICA Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presented a mix of positive strategic and financial developments alongside meaningful near-term underwriting headwinds. Positives include a strong investment income increase (+19%), improved yields, continued technology modernization with a cloud migration and Gen AI plans, solid core underwriting metrics, strong personal lines profitability (statutory combined ratio 85.7%) and healthy retention rates (commercial 82.3%, personal 88.7%). Negatives were driven primarily by elevated weather and fire losses that doubled the weather impact year-over-year, a higher combined ratio (99.8% vs 91.6% prior year), a commercial underwriting loss (statutory combined 104.6%), a 13.1% decline in personal premiums written, and a ~54% drop in after-tax net income to $11.5 million. Overall, management emphasized disciplined underwriting, targeted growth, expense control and long-term investments to address these challenges.View all DGICA earnings summariesDGICA Stock 12 Month Forecast
Average Price Target
$18.00
▲(0.84% 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
61.56% Insiders
9.76% Mutual Funds
7.19% Other Institutional Investors
10.55% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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