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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
10/08/2026: DGICA (1-star) is currently NOT-A-BUY. Pass it for now.
Donegal Group A Inc is a regional property and casualty insurance provider known for its long-standing relationships with independent agents. The company benefits from a stable ownership structure and a disciplined approach to regional underwriting, which has historically provided reliable, albeit modest, returns. Its primary investment story involves driving premium growth through rate actions and disciplined, small-scale acquisitions. Key risks include the potential for localized catastrophic weather losses, inflationary pressures on claim costs, and intense competition from much larger national carriers. This stock may best suit dividend-focused investors seeking stability, though participants should monitor underwriting margins and weather-related loss trends closely.
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 pursues a slow-growth strategy focused on regional stability rather than high-growth initiatives. |
| Momentum investor | Mixed fit | The stock tends to trade based on long-term underwriting results rather than short-term momentum signals. |
| Value investor | Strong fit | The company often trades at reasonable valuation multiples relative to its book value and dividend yield. |
| Dividend investor | Strong fit | The company provides a consistent and historically reliable dividend income stream for long-term investors. |
| Low-risk investor | Medium | While the business is stable, it remains subject to catastrophic risk and market volatility inherent in the insurance sector. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock price is susceptible to shifts in market sentiment regarding insurance industry profitability. |
| Valuation risk | Low | Shares are generally valued based on fundamental book value, limiting extreme speculative valuation swings. |
| Competition risk (National carrier scale) | High | National carriers often leverage superior technology and data analytics to compete for the same regional policyholders. |
| Business quality | Medium | The company is a stable regional operator, though it lacks the competitive moats associated with the largest national insurance franchises. |
| Dividend income | Low | The dividend record is strong, though earnings volatility occasionally influences dividend payout sustainability. |
| Execution risk | Medium | Successfully integrating acquisitions and maintaining underwriting discipline across disparate regions is critical for profitability. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 5.38% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/08/2026 |
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
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 676.31M USD | Price to earnings Ratio 9.49 | 1Y Target Price 21 |
Price to earnings Ratio 9.49 | 1Y Target Price 21 | ||
Volume (30-day avg) 110.1K shares | Beta -0.05 | 52 Weeks Range 15.95 - 20.42 | Updated Date 10/08/2026 |
52 Weeks Range 15.95 - 20.42 | Updated Date 10/08/2026 | ||
Dividends yield (FY) 4.07% | Basic EPS (TTM) 1.92 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Personal Lines Insurance | Automobile and homeowners policies for individuals. | The company earns premiums from individuals and pays out claims when incidents occur. |
| Commercial Lines Insurance | Liability and property coverage for small businesses. | Small business insurance provides steady, though risk-sensitive, revenue streams. |
| Investment Portfolio | Returns from investing insurance premiums in fixed-income securities. | The 'float' generated from premiums allows the company to earn additional income through conservative investments. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 9.49 | Forward PE 16 | Enterprise Value 686.49M | Price to Sales(TTM) 0.7 |
Enterprise Value 686.49M | Price to Sales(TTM) 0.7 | ||
Enterprise Value to Revenue 0.71 | Enterprise Value to EBITDA - | Shares Outstanding 31.54M | Shares Floating 17.44M |
Shares Outstanding 31.54M | Shares Floating 17.44M | ||
Percent Insiders 1.44 | Percent Institutions 89.57 |
Upturn AI Summary
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.
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.
About Donegal Group A Inc
Exchange NASDAQ | Headquarters 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 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. operates as a subsidiary of Donegal Mutual Insurance Company.
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