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Donegal Group (DGICA)
NASDAQ:DGICA
US Market

Donegal Group (DGICA) Price & Analysis

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DGICA Stock Chart & Stats

$16.97
-$0.04(-0.27%)
At close: 4:00 PM EST
$16.97
-$0.04(-0.27%)

Bulls Say, Bears Say

Bulls Say
Conservative Balance SheetVery low leverage and a materially larger equity base provide durable capital to absorb underwriting volatility and catastrophes, support reinsurance purchasing, sustain dividends and strategic investments, and give management financial flexibility to pursue profitable growth without stressing solvency.
Underwriting Performance ImprovementSustained combined-ratio improvement and consecutive profitable quarters reflect disciplined pricing, selective underwriting and expense control. Improved loss ratios reduce reliance on investment returns, making earnings more resilient and increasing the likelihood that underwriting will contribute positively to long-term ROE.
Stronger Investment Income ProfileMeaningful reinvestment at higher yields and a sizable $100M annual portfolio cash flow create a lasting uplift to investment income. Higher recurring portfolio yields reduce earnings sensitivity to underwriting swings and provide sustainable income to support claims, dividends and technology modernization.
Bears Say
Personal Lines Premium DeclineA double-digit reduction in personal-lines written premium is a structural top-line headwind that raises unit acquisition costs and expense ratios. Restoring scale will require sustained distribution effort, competitive pricing or product changes and may take multiple quarters to materially improve revenue and margin leverage.
Adverse Reserve DevelopmentRepeated unfavorable reserve movements and specific commercial umbrella development signal reserve estimation risk and potential for higher future loss picks. This creates earnings volatility, can erode underwriting margins over time, and necessitates higher capital or stricter pricing in affected lines.
Expense Ratio Pressure From Agency IncentivesRising performance-based agency payouts combined with a smaller premium base increase the expense ratio and shrink underwriting margins. Unless premium growth outpaces incentive costs, this structural cost dynamic will continue to pressure profitability and require sustained premium recovery or expense offsetting actions.

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 $617.52M.
      When is Donegal Group’s upcoming earnings report date?
      Donegal Group’s upcoming earnings report date is Apr 23, 2026 which is in 37 days.
        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 0.6.
                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

                      $19.50
                      ▲(14.91% Upside)
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<span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 5,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 6, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 0</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":14.088,"date":1738368000000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 3,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 4, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 0</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":16.81,"date":1740787200000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            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2,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 8, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 0</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":16.427,"date":1754006400000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 8,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 15, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 0</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":17.545,"date":1756684800000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 9,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 13, \t&nbsp;</span>\n   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                      Ownership Overview

                      61.65%10.05%7.74%9.56%
                      61.65% Insiders
                      7.74% Other Institutional Investors
                      9.56% Public Companies and
                      Individual Investors

                      Options Prices

                      Currently, No data available
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