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Donegal (DGICA)
NASDAQ:DGICA
US Market
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Donegal Group (DGICA) Price & Analysis

122 Followers

DGICA Stock Chart & Stats

$17.85
-$0.04(-0.27%)
At close: 4:00 PM EST
$17.85
-$0.04(-0.27%)

Bulls Say, Bears Say

Bulls Say
Balance Sheet StrengthVery low leverage and materially strengthened equity provide durable capital cushioning for underwriting volatility and catastrophes. This conservative capital structure supports dividend increases, strategic investments (IT modernization) and reinsurance programs without materially impairing financial flexibility over the next 2–6 months.
Investment Portfolio & Yield ReinvestmentHigher reinvestment rates and meaningful portfolio cash flow create a durable earnings tailwind as maturing cash is redeployed north of 5%. This structural improvement in investment income supports underwriting profitability, recurring cash generation and the company’s ability to fund dividends and modernization investments over coming quarters.
Underwriting Discipline & Commercial PricingSustained commercial rate increases and targeted new business indicate disciplined underwriting that should protect margins long term. Growing commercial book and focus on higher-profit classes enhance premium quality and make underwriting results less reliant on volatile personal lines, aiding durable combined-ratio improvement.
Bears Say
Weak Top-Line / Personal Lines DeclineMaterial declines in earned and written personal premiums reduce scale and revenue diversification, pressuring long-term premium growth. A smaller premium base magnifies expense ratio volatility, limits underwriting leverage and slows margin recovery unless new-business trends or retention materially improve over the next several quarters.
Adverse Reserve DevelopmentReported unfavorable development in commercial lines and umbrella coverages signals reserve risk and potential for protracted loss emergence. Persistent adverse development increases loss-ratio volatility and could require reserve strengthening or higher future pricing, creating earnings headwinds and capital use over coming quarters.
Expense Ratio Pressure From Agency IncentivesRising performance-based commissions and a shrinking premium base push the expense ratio higher, reducing sustainable underwriting margins. If incentives remain necessary to retain/drive agency distribution, elevated expense levels could persist and dampen earnings leverage even as investment income improves.

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 $21.12 in the past 12 months.
    What is Donegal’s market cap?
    Donegal’s market cap is $647.90M.
      When is Donegal’s upcoming earnings report date?
      Donegal’s upcoming earnings report date is Jul 23, 2026 which is in 64 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. 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 0.42.
                How many shares outstanding does Donegal have?
                Donegal has 31,426,190 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

                      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

                      Q1 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

                      $18.00
                      ▲(0.84% Upside)
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                      Ownership Overview

                      61.23%9.68%7.20%10.58%
                      61.23% Insiders
                      7.20% Other Institutional Investors
                      10.58% Public Companies and
                      Individual Investors

                      Options Prices

                      Currently, No data available
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