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Upturn AI Summary - About
Donegal Group A Inc(DGICA)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for DGICA
11/13/2026: DGICA (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Donegal Group A Inc is a regional property and casualty insurance holding company that primarily serves individuals and small-to-medium-sized businesses through a network of independent agents. The company's strengths lie in its long-standing history, deep regional market ties, and conservative underwriting approach. Its primary investment story centers on steady, modest growth achieved through regional expansion and disciplined underwriting, supported by consistent dividend payments. However, the company faces significant risks from intense competition with national insurance carriers, geographic concentration vulnerabilities to severe weather, and the ongoing need for digital transformation. Donegal Group may best suit conservative, income-oriented investors who value steady performance and are willing to monitor the company's underwriting results and technological progress.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company focuses on steady, conservative underwriting rather than high-growth initiatives. |
| Momentum investor | Weak fit | The stock typically exhibits low volume and steady performance rather than rapid, momentum-driven price action. |
| Value investor | Mixed fit | It may appeal to value investors looking for a stable insurance entity trading at reasonable multiples. |
| Dividend investor | Strong fit | The company has a consistent history of paying dividends, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | The conservative nature of the insurance business and dividend history aligns with lower-risk preferences. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can react sharply to major catastrophe news or changes in underwriting results. |
| Valuation risk | Low | As a smaller insurer, it typically trades at valuations reflective of its growth potential and stability. |
| Competition risk (national insurance carriers) | High | National carriers have superior scale and technology that can erode regional market share. |
| Business quality | Medium | The business model is stable but highly dependent on underwriting discipline. |
| Dividend income | Low | The dividend is generally secure but subject to capital requirements. |
| Execution risk | Medium | Effectively integrating acquisitions and managing technology upgrades is critical for long-term success. |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 709.47M USD | Price to earnings Ratio 10.19 | 1Y Target Price 21 |
Price to earnings Ratio 10.19 | 1Y Target Price 21 | ||
Volume (30-day avg) 110.7K shares | Beta -0.05 | 52 Weeks Range 15.79 - 20.21 | Updated Date 11/13/2026 |
52 Weeks Range 15.79 - 20.21 | Updated Date 11/13/2026 | ||
Dividends yield (FY) 3.96% | Basic EPS (TTM) 1.86 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Insurance - Property & Casualty
- BUY participation
- 80.0%
- Active BUY / eligible
- 8 / 10
- 30-Day BUY Count Change
- +6
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 13.13% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Personal Lines | Auto and Homeowners insurance premiums. | Most of the company's money comes from individuals paying for car and home protection. |
| Commercial Lines | Business liability and property insurance. | The company also insures small businesses against risks like property damage and liability claims. |
| Investment Income | Interest and dividends from a portfolio of bonds and stocks. | The company invests the money it collects from premiums to earn extra profit. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-29 | When Before Market | Estimate 0.33 | Actual 0.5 |
Profitability
Profit Margin 7.24% | Operating Margin (TTM) 9.01% |
Management Effectiveness
Return on Assets (TTM) 2.2% | Return on Equity (TTM) 10.73% |
Valuation
Trailing PE 10.19 | Forward PE 16 | Enterprise Value 759.28M | Price to Sales(TTM) 0.74 |
Enterprise Value 759.28M | Price to Sales(TTM) 0.74 | ||
Enterprise Value to Revenue 0.79 | Enterprise Value to EBITDA - | Shares Outstanding 31.84M | Shares Floating 17.72M |
Shares Outstanding 31.84M | Shares Floating 17.72M | ||
Percent Insiders 1.42 | Percent Institutions 89.03 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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