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Company Analysis

Donegal Group, Inc. DGICA

A comprehensive view of key metrics, scores, and financial health for Donegal Group, Inc.

Overview of Donegal Group Inc.

DGICA NMS
Financial Services Insurance - Property & Casualty Small Cap
Donegal Group Inc. (DGICA), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $16.97, about 3.4% undervalued vs fair value, -8.5% 1Y return, ranked 425/1004 in sector.
$16.97
1.31%
As of March 13, 2026
Previous close • Vol 90d: 23.0%
52-Week Range
Market Cap
$621.81M
Enterprise Value
$630.02M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.donegalgroup.com
HQ Marietta, PA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$10
$18
$33
Current: $16.97 +3% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$1.4M
Net Interest Income
$-946.0K
-52.6%%
Total Revenue
$978.0M
-1.2%%
Fee/Non-Interest Income
$979.0M
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.3%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$42.0M
82.6% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Donegal Group, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
46
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
50
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing DGICA's balance between Growth (32.0%), Profitability (22.6%), and Safety (45.4%). Growth 32% Safety 45% Profitability 23%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

40th percentile vs peers
41
Key Signals
EPS Growth YoY 10.26 96p EPS CAGR 3Y 22.8% 51p TSR 26.8% 55p Revenue CAGR 3Y 4.9% 21p Rev Growth YoY -1.2% 10p
Strengths
  • Eps Growth Yoy in top 20% of peers (10.26, 96th percentile)
  • Interest Coverage Ratio in top 20% of peers (66.90, 87th percentile)
  • Quick Ratio in top 20% of peers (709.78, 96th percentile)
  • Strong liquidity position vs peers
Risks
  • Rev Growth Yoy in bottom 20% of peers (-1.2%)

Profitability

28th percentile vs peers
29
Key Signals
Strengths
Risks
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Safety

58th percentile vs peers
58
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Donegal Group, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$17.55
- - -
+3.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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