Donegal (DGICA)
NASDAQ:DGICA
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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)124.98K
Market Cap
$642.26M
Enterprise Value$621.42M
Total Cash (Recent Filing)$510.89M
Total Debt (Recent Filing)$35.00M
Price to Earnings (P/E)9.5
Beta0.32
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. Volume131,729
30 Day Avg. Volume124,978
Financial Highlights & Ratios
PEG Ratio0.18
Price to Book (P/B)0.96
Price to Sales (P/S)0.63
P/FCF Ratio8.75
Enterprise Value/Market Cap0.97
Enterprise Value/Revenue0.64
Enterprise Value/Gross Profit2.21
Enterprise Value/Ebitda7.40
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 durable capital flexibility for underwriting volatility, absorbing catastrophe shocks, supporting reinsurance purchase and enabling consistent dividend/capital returns without forcing disruptive capital raises.
Rising Investment Income & YieldsHigher portfolio yields and increasing investment income create a durable earnings cushion that offsets underwriting cycles, improves cash generation and supports dividends and reserves. This recurring cash flow reduces reliance on underwriting for profitability over multi-quarter horizons.
High Personal Lines Profitability & RetentionA consistently profitable personal book with high retention provides stable underwriting margins and predictable premium cash flow. This durable line supports overall company results, financing investments and offsetting commercial volatility while leveraging agent distribution strength.
Bears Say
Elevated Weather & Cat LossesMaterially higher weather and catastrophe impacts increase underwriting volatility and strain combined ratios. Persistent or worsening climate-driven losses raise reinsurance costs and require sustained underwriting discipline, pressuring long-term margin predictability.
Weak Top-line DurabilityA dramatic decline in reported revenue undermines scale economics and questions premium base stability. If persistent, shrinking premiums reduce underwriting leverage, raise expense ratios and limit capacity to grow more profitable lines over the next several quarters.
Commercial Underwriting Weakness & Liability SeverityRising liability severity and a commercial underwriting loss force limit cuts and tighter risk appetite, constraining growth in higher-margin commercial classes. These structural shifts can persistently lower premium opportunity and raise loss-adjustment and reinsurance costs.
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 $642.26M.
When is Donegal’s upcoming earnings report date?
Donegal’s upcoming earnings report date is Jul 23, 2026 which is in 43 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 $3.1M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 4.1%
Last 30 Days ▼ 4.1%
News Sentiment
Very Bullish
Bullish news 99%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-7.85%
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. functions as an insurance holding company, delivering both personal and commercial property and casualty coverage to individuals and businesses. Its operations are organized into three distinct divisions: Investment Operations, Personal Insurance Offerings, and Commercial Insurance Offerings. For personal clients, the firm furnishes private passenger automobile policies, which shield policyholders against financial responsibility for injuries or property harm stemming from car accidents, alongside safeguarding against damage to their own vehicles. It also extends homeowners policies, covering losses to residences and their contents due to various dangers such as fire, lightning, windstorms, and theft, in addition to the policyholder's accountability for injury to others or their possessions. On the commercial front, Donegal Group Inc. offers vehicle insurance for businesses, providing safeguards against accident-related bodily harm and property damage, as well as loss from damage to company-owned automobiles. Furthermore, it supplies commercial multi-peril policies that consolidate both liability and physical damage coverages for businesses, and workers' compensation policies that provide benefits to employees injured during their employment. The company distributes its insurance products mainly to clients in the Mid-Atlantic, Midwestern, New England, Southern, and Southwestern regions, leveraging a network of approximately 2,300 independent insurance agencies. Established in 1986, Donegal Group Inc.'s main office is situated in Marietta, Pennsylvania.
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
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Ownership Overview
61.50% Insiders
9.78% Mutual Funds
7.19% Other Institutional Investors
10.28% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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