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DGICA Stock Chart & Stats
$18.76
$0.25(1.33%)
At close: 4:00 PM EDT
$18.76
$0.25(1.33%)
Day’s Range― - ―
52-Week Range$16.11 - $21.06
Previous CloseN/A
Volume16.98K
Average Volume (3M)147.02K
Market Cap
$720.25M
Enterprise Value$722.83
Total Cash (Recent Filing)$492.61M
Total Debt (Recent Filing)$35.00M
Price to Earnings (P/E)9.4
Beta0.28
Next Earnings
Oct 22, 2026EPS Estimate
0.43Next Dividend Ex-DateN/A
Dividend Yield4.03%
Share Statistics
EPS (TTM)1.97
Shares Outstanding31,542,507
10 Day Avg. Volume108,872
30 Day Avg. Volume147,016
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 Upside6.61% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.73
Revenue Forecast (FY)$887.62M
Bulls Say, Bears Say
Bulls Say
Underwriting ProfitabilityA sub-100% combined ratio indicates profitable underwriting before investment income. Continued pricing discipline, selective growth in targeted commercial classes and favorable reserve development can support earnings quality over the medium term.
Conservative Balance SheetLow leverage and expanding equity provide financial flexibility to absorb catastrophe volatility, support underwriting capacity and maintain resilience through insurance cycles. This capital position reduces reliance on debt while supporting stronger returns.
Investment Income And ModernizationHigher reinvestment yields can strengthen recurring investment income from the insurer’s float, while cloud migration and claims automation may reduce legacy costs and improve operating efficiency as transformation spending moderates.
Bears Say
Premium And Revenue ContractionShrinking premiums weaken scale, limit operating leverage and make it harder to grow underwriting income. Persistent personal-lines softness, market pressure and retention challenges could offset profitability improvements if selective growth does not recover.
Elevated Operating ExpensesA higher expense ratio absorbs more premium revenue and constrains underwriting margins, particularly while the premium base is declining. Legacy systems, transformation costs and incentive compensation may continue pressuring results before efficiencies arrive.
Claims Severity And Loss VolatilityRising severity in commercial fire and personal auto claims can erode underwriting gains and create reserve uncertainty. Although reinsurance limits larger exposures, recurring deterioration could require higher pricing, tighter selection or reduced growth.
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 $720.25M.
When is Donegal’s upcoming earnings report date?
Donegal’s upcoming earnings report date is Oct 22, 2026 which is in 64 days.
How were Donegal’s earnings last quarter?
Donegal released its earnings results on Jul 30, 2026. The company reported $0.53 earnings per share for the quarter, beating the consensus estimate of $0.42 by $0.11.
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 4.03%. See more information on Donegal dividends here
What is Donegal’s EPS estimate?
Donegal’s EPS estimate is 0.43.
How many shares outstanding does Donegal have?
Donegal has 31,542,507 shares outstanding.
What happened to Donegal’s price movement after its last earnings report?
Donegal reported an EPS of $0.53 in its last earnings report, beating expectations of $0.42. Following the earnings report the stock price went up 2.333%.
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:
$20.00 (6.61% Upside)
$20.00 (6.61% Upside)
Blogger Sentiment
Bullish
DGICA Sentiment 80%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 28.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $1.8M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Negative
Last 7 Days ▼ 1.7%
Last 30 Days >0.1%
Last 30 Days >0.1%
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.56%
12-Months-Change
Fundamentals
Return on Equity
4.03%
Trailing 12-Months
Asset Growth
3.15%
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The quarter shows a generally positive financial and operational trajectory: solid underwriting profitability and a lower combined ratio, strong year-over-year net income growth (+32%), and improved investment income and portfolio yields. Key achievements include favorable reserve development, materially lower weather losses, meeting commercial new business goals, and early signs of recovery in personal lines new business. Offsetting challenges include top-line pressure from declining premiums (personal lines down 9.7%), an elevated expense ratio (+3.6 pts) due to transformation and incentive costs, and heightened large-fire severity that increased loss volatility. Management is pursuing targeted underwriting discipline, technology migrations (Guidewire Cloud, GenAI), and agency engagement to address market softness and operational inefficiencies. Overall, positive momentum in profitability and investments outweighs the headwinds from premium softness and temporary elevated expenses.View all DGICA earnings summariesDGICA Stock 12 Month Forecast
Average Price Target
$20.00
▲(6.61% 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
61.50% Insiders
9.74% Mutual Funds
7.25% Other Institutional Investors
10.32% Public Companies and
Individual Investors