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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 $18.00, about 2.5% overvalued vs fair value, -7.0% 1Y return, ranked 450/1037 in sector.
Metrics Rev Growth -1.2% ROE 13.4% Gross Margin 42.3%
$18.00
1.47%
As of April 28, 2026
Previous close • Vol 90d: 23.4%
52-Week Range
Market Cap
$666.10M
Enterprise Value
$674.31M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 51%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Apr 30

Fair Value Snapshot

Bear Base Bull
$10
$18
$33
Current: $18.00 -3% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$978.0M
-1.2%%
Claims & Losses
$-564.3M
-26.2%%
Underwriting Result
$97.6M
56.6%%
Net Income
$79.3M
56%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
57.7%
Good

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$42.0M
52.9% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

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

Overall Moat Strength
45
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Developing
50
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing DGICA's balance between Growth (28.9%), Profitability (24.5%), and Safety (46.5%). Growth 29% Safety 47% Profitability 25%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

34th percentile vs peers
35
Key Signals
EPS Growth YoY 10.26 96p Equity Growth YoY 13.8% 50p Revenue CAGR 3Y 4.9% 21p Rev Growth YoY -1.2% 10p Asset Growth YoY 2.2% 25p
Strengths
  • EPS Growth YoY in top 20% of peers (10.26, 96th percentile)
  • Interest Coverage (EBITDA) in top 20% of peers (73.24, 90th percentile)
Risks
  • Rev Growth YoY in bottom 20% of peers (-1.2%)
  • Growth below peer median (percentile: 34)

Profitability

29th percentile vs peers
29
Key Signals
Strengths
Risks
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Safety

55th percentile vs peers
55
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.

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Bear
-
- - -
- upside
-
Base
$17.55
- - -
-2.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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