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Upturn AI SWOT - About
DGICA 
Donegal Group A Inc (DGICA)
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Upturn Advisory Summary
09/17/2025: DGICA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $20.5
1 Year Target Price $20.5
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -0.09% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 681.52M USD | Price to earnings Ratio 7.97 | 1Y Target Price 20.5 |
Price to earnings Ratio 7.97 | 1Y Target Price 20.5 | ||
Volume (30-day avg) 2 | Beta -0.02 | 52 Weeks Range 13.46 - 20.90 | Updated Date 09/17/2025 |
52 Weeks Range 13.46 - 20.90 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 3.64% | Basic EPS (TTM) 2.39 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.34% | Operating Margin (TTM) 8.4% |
Management Effectiveness
Return on Assets (TTM) 2.71% | Return on Equity (TTM) 15.2% |
Valuation
Trailing PE 7.97 | Forward PE 16 | Enterprise Value 659079879 | Price to Sales(TTM) 0.69 |
Enterprise Value 659079879 | Price to Sales(TTM) 0.69 | ||
Enterprise Value to Revenue 0.66 | Enterprise Value to EBITDA - | Shares Outstanding 30931900 | Shares Floating 17607382 |
Shares Outstanding 30931900 | Shares Floating 17607382 | ||
Percent Insiders 1.79 | Percent Institutions 86.59 |
Upturn AI SWOT
Donegal Group A Inc
Company Overview
History and Background
Donegal Group Inc. was founded in 1986 and is based in Marietta, Pennsylvania. It operates as an insurance holding company for several property and casualty insurance companies located in the Mid-Atlantic, Midwestern, New England, Southern, and Southwestern regions of the United States.
Core Business Areas
- Commercial Lines: Provides a range of commercial property and casualty insurance products, including coverage for businesses, workers' compensation, commercial auto, and general liability.
- Personal Lines: Offers personal lines of insurance, such as homeowners, auto, and umbrella policies to individuals and families.
- Investment Management: Manages the investment portfolios of its insurance subsidiaries.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure includes various departments such as underwriting, claims, marketing, and finance.
Top Products and Market Share
Key Offerings
- Commercial Property Insurance: Provides coverage for businesses against property damage or loss. Market share is relatively small within the highly fragmented commercial insurance market. Competitors include Travelers, Liberty Mutual, and Hartford Financial Services.
- Personal Auto Insurance: Offers coverage for personal vehicles, including liability, collision, and comprehensive coverage. Competitors include State Farm, GEICO, and Progressive.
- Homeowners Insurance: Coverage that provides financial protection against disasters. Market share is relatively small within the highly fragmented homeowners insurance market. Competitors include State Farm, Allstate and Farmers.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to regulatory oversight. Factors such as economic conditions, weather events, and interest rates significantly influence industry performance.
Positioning
Donegal Group A Inc. operates as a regional insurer, focusing on specific geographic markets. It aims to provide personalized service and build strong relationships with independent agents.
Total Addressable Market (TAM)
The total addressable market is in the hundreds of billions of dollars. Donegal Group Inc. focuses on regional markets; therefore, their TAM is significantly smaller. They target markets that will provide steady growth.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Regional focus allows for specialized knowledge
- Conservative underwriting practices
Weaknesses
- Limited geographic diversification
- Smaller size compared to national competitors
- Dependence on independent agents
Opportunities
- Expansion into new geographic markets
- Adoption of new technologies to improve efficiency
- Increased demand for insurance products due to climate change
Threats
- Increased competition from larger national insurers
- Catastrophic weather events
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRV
- HIG
- AFG
Competitive Landscape
Donegal Group A Inc. faces intense competition from larger national insurers. Its competitive advantages include its regional focus and strong relationships with independent agents. A disadvantage is its limited scale compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by organic expansion and acquisitions.
Future Projections: Future growth is expected to be in line with the overall property and casualty insurance market, with potential for outperformance through strategic initiatives.
Recent Initiatives: Recent initiatives include investing in technology to improve efficiency and expanding into new geographic markets.
Summary
Donegal Group A Inc. is a regional insurer with strengths in its relationships with independent agents and regional focus. However, it faces challenges due to its smaller size compared to national competitors and limited geographic diversification. Future growth will depend on successful execution of strategic initiatives and adaptation to changing market conditions. The company must proactively mitigate the threats of increased competition and catastrophic weather events.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Market Research Reports
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Donegal Group A Inc
Exchange NASDAQ | Headquaters Marietta, PA, United States | ||
IPO Launch date 2001-04-24 | President, CEO & Chairman Mr. Kevin Gerard Burke | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees - | Website https://www.donegalgroup.com |
Full time employees - | Website https://www.donegalgroup.com | ||
Donegal Group Inc., an insurance holding company, provides commercial and personal lines of property and casualty coverages. It operates through three segments: Investment Function, Commercial Lines of Insurance, and Personal Lines of Insurance. The company offers 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 for commercial automobile; protection to businesses against perils combining liability and physical damage coverages; and benefits to employees for injuries sustained during employment. It also provides 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 for private passenger automobile; and coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft. The company markets its insurance products primarily to Mid-Atlantic, Midwest, Southern, and Southwestern states through a network of independent insurance agents. The company was incorporated in 1986 and is based in Marietta, Pennsylvania. Donegal Group Inc. is a subsidiary of Donegal Mutual Insurance Company.
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