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Upturn AI SWOT - About
DGICA 
Donegal Group A Inc (DGICA)
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Upturn Advisory Summary
08/28/2025: 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 $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 -1.6% | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 626.31M USD | Price to earnings Ratio 7.39 | 1Y Target Price 20.5 |
Price to earnings Ratio 7.39 | 1Y Target Price 20.5 | ||
Volume (30-day avg) 2 | Beta -0.01 | 52 Weeks Range 13.46 - 20.90 | Updated Date 08/29/2025 |
52 Weeks Range 13.46 - 20.90 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 3.99% | 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 7.39 | Forward PE 16 | Enterprise Value 603876656 | Price to Sales(TTM) 0.63 |
Enterprise Value 603876656 | Price to Sales(TTM) 0.63 | ||
Enterprise Value to Revenue 0.6 | Enterprise Value to EBITDA - | Shares Outstanding 30931900 | Shares Floating 17785544 |
Shares Outstanding 30931900 | Shares Floating 17785544 | ||
Percent Insiders 1.79 | Percent Institutions 85.45 |
Upturn AI SWOT
Donegal Group A Inc
Company Overview
History and Background
Donegal Group Inc. was founded in 1986, as the parent holding company. The company has grown through a combination of organic growth and acquisitions, focusing on providing property and casualty insurance products. It supports independent insurance agents.
Core Business Areas
- Commercial Lines: Provides insurance coverage for businesses, including property, liability, and workers' compensation.
- Personal Lines: Offers insurance coverage for individuals and families, including auto, homeowners, and umbrella policies.
- Investment Management: Manages the investment portfolio of the insurance companies.
Leadership and Structure
The company is led by a board of directors and executive management team. The organizational structure includes various departments such as underwriting, claims, sales, and finance.
Top Products and Market Share
Key Offerings
- Commercial Property Insurance: Provides coverage for business properties against damage or loss. Market share data is not readily available. Competitors include Travelers, The Hartford, and CNA Financial.
- Commercial Auto Insurance: Offers coverage for business vehicles. Market share data is not readily available. Competitors include Progressive, Liberty Mutual, and Nationwide.
- Homeowners Insurance: Provides coverage for personal residences. Market share data is not readily available. Competitors include State Farm, Allstate, and Progressive.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to regulatory oversight. Factors such as economic conditions, natural disasters, and interest rates can impact profitability.
Positioning
Donegal Group operates as a regional insurance provider, focusing on building strong relationships with independent agents. They focus on small to medium sized companies.
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. Donegal Group is positioned to capture a portion of this market through its independent agent network.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Regional focus allows for specialized expertise
- Diversified product offerings in both commercial and personal lines
Weaknesses
- Smaller market share compared to national competitors
- Geographic concentration exposes to regional risks
- Dependence on independent agents can limit control
Opportunities
- Expansion into new geographic areas
- Development of new insurance products
- Leveraging technology to improve efficiency and customer service
Threats
- Increased competition from larger national insurers
- Impact of catastrophic events on underwriting results
- Regulatory changes impacting the insurance industry
Competitors and Market Share
Key Competitors
- The Travelers Companies (TRV)
- Hartford Financial Services (HIG)
- Progressive Corp (PGR)
- Allstate Corp (ALL)
- State Farm (privately held)
- Liberty Mutual (privately held)
Competitive Landscape
Donegal Group faces intense competition from larger national insurers. Its regional focus and independent agent network provide a competitive advantage, but it must continue to innovate and adapt to changing market conditions.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires historical data. Growth is shown by a compound annual growth rate and requires specific data.
Future Projections: Future projections are based on analyst estimates and depend on current financial data and market conditions. Earnings estimates can be gathered through finance sources
Recent Initiatives: Recent initiatives need to be searched from news and financial sources. Examples include expansion plans, product innovations, or strategic partnerships.
Summary
Donegal Group is a regional insurance provider with strong relationships with independent agents, but it faces challenges from larger national competitors and potential catastrophic events. While its diversified product offerings and regional focus are strengths, the company needs to continue to innovate and expand its reach to achieve sustainable growth. Monitor the company's financial data and balance sheet for proper ratings.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data and other financial metrics may vary depending on the source and methodology. Financial information needs to be confirmed on valid financial sources.
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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