Skip to content
Company Analysis

Donegal Group, Inc. DGICB

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

Overview of Donegal Group Inc.

DGICB NMS
Financial Services Insurance - Property & Casualty Small Cap
Donegal Group Inc. (DGICB), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $15.10, about 16.2% undervalued vs fair value, -2.3% 1Y return, ranked 452/1004 in sector.
$15.10
-1.24%
As of March 13, 2026
Previous close • Vol 90d: 52.9%
52-Week Range
Market Cap
$655.46M
Enterprise Value
$663.67M
Overall Score
Scores locked

Create a free account to see overall and pillar scores for Donegal Group, Inc..

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: $15.10 +16% 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
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

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

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Pricing Power

Moderate
53
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

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 DGICB's balance between Growth (31.8%), Profitability (22.0%), and Safety (46.2%). Growth 32% Safety 46% Profitability 22%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

39th percentile vs peers
39
Key Signals
EPS Growth YoY 10.26 96p EPS CAGR 3Y 22.8% 51p Revenue CAGR 3Y 4.9% 18p TSR 23.4% 47p 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

27th percentile vs peers
27
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

57th percentile vs peers
57
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

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

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$17.55
- - -
+16.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info