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

121 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
Conservative Balance Sheet And Improving ROEVery low leverage and a materially stronger equity base give Donegal durable capital flexibility to absorb underwriting volatility, support continued dividend increases and reinvestment, and maintain rating-equivalent conservatism. Higher ROE signals improving franchise profitability versus recent years, reducing solvency and refinancing risks over the medium term.
Sustained Underwriting Improvement And ProfitabilityA sub-100 combined ratio sustained over multiple quarters indicates effective pricing and underwriting discipline, reducing reliance on investment returns for profitability. Combined with targeted commercial rate increases and high retention, this supports more predictable underwriting margins and long-term earnings stability if maintained.
Stronger Investment Yield And Reinvestment ProgramMeaningful improvement in portfolio yield and active reinvestment of proceeds at higher rates materially boosts recurring investment income. With ~$100M portfolio cash flow and a reinvestment rate north of 5%, investment earnings now provide a steadier earnings cushion to offset underwriting cycles and fund dividends or strategic initiatives over the medium term.
Bears Say
Large Decline In Personal Lines PremiumsA double-digit reduction in personal-lines written premiums materially erodes scale and diversification in a core business segment. Lower personal volume increases expense ratio sensitivity, can weaken agent relationships and retention economics, and may require sustained new-business investments or pricing adjustments to restore long-term growth and margin stability.
Adverse Reserve Development And Rising Liability SeverityUnfavorable reserve development and noted upward pressure on liability severity highlight reserve adequacy and loss-cost risks. These factors increase earnings volatility, can require higher future reserving or reinsurance usage, and complicate underwriting profitability in commercial auto and umbrella lines over the medium term.
2025 Cash-flow Anomaly Reduces Financial ClarityA major cash-flow reporting inconsistency undermines confidence in assessing the company's cash generation and funding capacity. Even if anomalous, this complicates evaluation of sustainable free cash flow for dividends, reserve funding and modernization investments, increasing medium-term uncertainty until reconciled.

Donegal Group News

DGICA FAQ

What was Donegal Group’s price range in the past 12 months?
Donegal Group lowest stock price was $16.43 and its highest was $21.12 in the past 12 months.
    What is Donegal Group’s market cap?
    Donegal Group’s market cap is $667.70M.
      When is Donegal Group’s upcoming earnings report date?
      Donegal Group’s upcoming earnings report date is Apr 30, 2026 which is tomorrow.
        How were Donegal Group’s earnings last quarter?
        Donegal Group 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 Group overvalued?
          According to Wall Street analysts Donegal Group’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
            Does Donegal Group pay dividends?
            Donegal Group pays a Quarterly dividend of $0.182 which represents an annual dividend yield of 3.51%. See more information on Donegal Group dividends here
              What is Donegal Group’s EPS estimate?
              Donegal Group’s EPS estimate is 0.45.
                How many shares outstanding does Donegal Group have?
                Donegal Group has 31,426,190 shares outstanding.
                  What happened to Donegal Group’s price movement after its last earnings report?
                  Donegal Group 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 Group?
                    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 Group

                      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

                      $19.00
                      ▲(6.44% Upside)
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                      Ownership Overview

                      61.02%9.68%1.77%16.57%
                      61.02% Insiders
                      1.77% Other Institutional Investors
                      16.57% Public Companies and
                      Individual Investors

                      Options Prices

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