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Upturn AI SWOT - About
DGICA 
Donegal Group A Inc (DGICA)
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Upturn Advisory Summary
07/03/2025: DGICA (1-star) is currently NOT-A-BUY. Pass it for now.
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 $19.5
1 Year Target Price $19.5
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -1.59% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 688.88M USD | Price to earnings Ratio 9.39 | 1Y Target Price 19.5 |
Price to earnings Ratio 9.39 | 1Y Target Price 19.5 | ||
Volume (30-day avg) 2 | Beta - | 52 Weeks Range 12.10 - 21.12 | Updated Date 07/4/2025 |
52 Weeks Range 12.10 - 21.12 | Updated Date 07/4/2025 | ||
Dividends yield (FY) 3.64% | 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 9.39 | Forward PE 16 | Enterprise Value 644960493 | Price to Sales(TTM) 0.69 |
Enterprise Value 644960493 | Price to Sales(TTM) 0.69 | ||
Enterprise Value to Revenue 0.65 | Enterprise Value to EBITDA - | Shares Outstanding 30519900 | Shares Floating 17383796 |
Shares Outstanding 30519900 | Shares Floating 17383796 | ||
Percent Insiders 1.78 | Percent Institutions 83.21 |
Upturn AI SWOT
Donegal Group A Inc
Company Overview
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.
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 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
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
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
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.
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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