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DGICA logo DGICA
Upturn stock ratingUpturn stock rating
DGICA logo

Donegal Group A Inc (DGICA)

Upturn stock ratingUpturn stock rating
$20.02
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: DGICA (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

2 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $19.5

1 Year Target Price $19.5

Analysts Price Target For last 52 week
$19.5Target price
Low$11.89
Current$20.02
high$21.12

Analysis of Past Performance

Type Stock
Historic Profit -1.59%
Avg. Invested days 30
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 711.76M USD
Price to earnings Ratio 9.68
1Y Target Price 19.5
Price to earnings Ratio 9.68
1Y Target Price 19.5
Volume (30-day avg) 2
Beta -
52 Weeks Range 11.89 - 21.12
Updated Date 06/30/2025
52 Weeks Range 11.89 - 21.12
Updated Date 06/30/2025
Dividends yield (FY) 3.66%
Basic EPS (TTM) 2.06

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 7.06%
Operating Margin (TTM) 12.85%

Management Effectiveness

Return on Assets (TTM) 2.34%
Return on Equity (TTM) 13.11%

Valuation

Trailing PE 9.68
Forward PE 16
Enterprise Value 682269350
Price to Sales(TTM) 0.72
Enterprise Value 682269350
Price to Sales(TTM) 0.72
Enterprise Value to Revenue 0.69
Enterprise Value to EBITDA -
Shares Outstanding 30519900
Shares Floating 17383796
Shares Outstanding 30519900
Shares Floating 17383796
Percent Insiders 1.78
Percent Institutions 83.21

Analyst Ratings

Rating 2
Target Price 19.5
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold 2
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Donegal Group A Inc

stock logo

Company Overview

overview logo History and Background

Donegal Group Inc. (Donegal) was founded in 1986 as a holding company. It operates through its insurance subsidiaries and affiliates, providing personal and commercial lines of insurance. Over time, it has grown through acquisitions and organic growth to expand its geographic reach and product offerings.

business area logo Core Business Areas

  • Personal Lines Insurance: Provides auto, homeowners, and other personal property and casualty insurance products.
  • Commercial Lines Insurance: Offers commercial auto, workers' compensation, commercial property, and other commercial insurance products.

leadership logo Leadership and Structure

The company's leadership team consists of the CEO, CFO, and other key executives. The organizational structure is designed to support its insurance operations across multiple states.

Top Products and Market Share

overview logo Key Offerings

  • Personal Auto Insurance: Provides coverage for vehicle-related damages and liabilities. Competitors include GEICO (BRK.A), Progressive (PGR), and State Farm. Market share data specific to Donegal is difficult to isolate from overall regional carrier market share, but it competes mainly in the Mid-Atlantic and Southern states.
  • Commercial Property Insurance: Protects businesses from losses due to property damage. Competitors include Travelers (TRV), The Hartford (HIG), and CNA Financial (CNA). Like Personal Auto Insurance, Donegal's market share for Commercial Property is small compared to national players, and is more localized in its core operating regions.

Market Dynamics

industry overview logo Industry Overview

The property and casualty insurance industry is highly competitive and regulated. It is subject to factors such as economic conditions, regulatory changes, and natural disasters.

Positioning

Donegal Group focuses on serving small to medium-sized businesses and individuals through independent insurance agents. Its competitive advantages include strong relationships with agents and a regional focus.

Total Addressable Market (TAM)

The TAM for property and casualty insurance in the US is estimated to be in the hundreds of billions of dollars annually. Donegal Group A Inc. is positioned as a regional player, capturing a small portion of this market.

Upturn SWOT Analysis

Strengths

  • Strong relationships with independent agents
  • Regional market expertise
  • Diversified product offerings within insurance
  • Solid financial stability

Weaknesses

  • Smaller market share compared to national players
  • Limited brand recognition outside its core regions
  • Reliance on independent agents
  • Vulnerability to regional economic downturns

Opportunities

  • Expanding into new geographic markets
  • Developing new insurance products and services
  • Leveraging technology to improve efficiency
  • Acquiring smaller insurance companies

Threats

  • Increased competition from national insurers
  • Regulatory changes
  • Economic downturns
  • Natural disasters

Competitors and Market Share

competitor logo Key Competitors

  • Travelers (TRV)
  • The Hartford (HIG)
  • CNA Financial (CNA)
  • Progressive (PGR)
  • Cincinnati Financial (CINF)

Competitive Landscape

Donegal Group A Inc faces intense competition from larger national insurers. Its advantages include strong relationships with independent agents and a regional focus. Its disadvantages include smaller market share and limited brand recognition outside its core regions.

Growth Trajectory and Initiatives

Historical Growth: Historical growth trends should be discussed, including revenue growth, market share gains, and expansion into new markets.

Future Projections: Future growth projections should be based on analyst estimates and the company's own guidance. This data needs to be retrieved from financial analysts.

Recent Initiatives: Recent strategic initiatives undertaken by the company should be highlighted, such as new product launches or acquisitions.

Summary

Donegal Group A Inc. is a regional property and casualty insurer with a focus on serving small to medium-sized businesses and individuals through independent agents. The company has stable fundamentals, but faces challenges from larger national insurers. Strengths include strong agent relationships and regional expertise. It should focus on expanding its product offerings and geographic reach to improve its competitive position and navigate threats of economic downturns and increased competition.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Industry reports
  • Financial analysis platforms
  • Market share data from NAIC

Disclaimers:

This analysis is based on publicly available information and is not financial advice. Market share data is approximate and may vary by region.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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 -
Full time employees -

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.