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DGICA 
Donegal Group A Inc (DGICA)
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Upturn Advisory Summary
11/11/2025: DGICA (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $21
1 Year Target Price $21
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 4.11% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 693.83M USD | Price to earnings Ratio 7.97 | 1Y Target Price 21 |
Price to earnings Ratio 7.97 | 1Y Target Price 21 | ||
Volume (30-day avg) 2 | Beta 0.02 | 52 Weeks Range 13.59 - 20.69 | Updated Date 11/11/2025 |
52 Weeks Range 13.59 - 20.69 | Updated Date 11/11/2025 | ||
Dividends yield (FY) 3.69% | Basic EPS (TTM) 2.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-30 | When - | Estimate 0.4408 | Actual 0.52 |
Profitability
Profit Margin 8.72% | Operating Margin (TTM) 10.33% |
Management Effectiveness
Return on Assets (TTM) 2.82% | Return on Equity (TTM) 15.1% |
Valuation
Trailing PE 7.97 | Forward PE 16 | Enterprise Value 690257385 | Price to Sales(TTM) 0.7 |
Enterprise Value 690257385 | Price to Sales(TTM) 0.7 | ||
Enterprise Value to Revenue 0.69 | Enterprise Value to EBITDA - | Shares Outstanding 31064786 | Shares Floating 17726088 |
Shares Outstanding 31064786 | Shares Floating 17726088 | ||
Percent Insiders 2.02 | Percent Institutions 86.66 |
Upturn AI SWOT
Donegal Group A Inc
Company Overview
History and Background
Donegal Group Inc. was founded in 1889 in Marietta, Pennsylvania as Donegal and Conoy Mutual Fire Insurance Company. It has evolved from a small local insurer to a regional property and casualty insurance provider.
Core Business Areas
- Commercial Lines: Provides a range of insurance products for businesses, including commercial auto, property, and liability coverage.
- Personal Lines: Offers personal insurance products such as auto, homeowners, and umbrella policies.
- Investment Management: Manages the investment portfolio to support insurance operations and enhance financial returns.
Leadership and Structure
The company has a traditional corporate structure led by a Chief Executive Officer (CEO) and a board of directors. The organizational structure is divided into functional departments such as underwriting, claims, finance, and marketing.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for vehicles used for business purposes. Market share data is difficult to pinpoint exactly for Donegal, but the commercial auto insurance market is highly competitive with players like Travelers, Progressive, and Liberty Mutual. Revenue from this product is significant, though precise figures are not publicly broken down.
- Homeowners Insurance: Offers protection for homeowners against property damage and liability. Competitors include State Farm, Allstate, and Farmers. Similar to Commercial Auto, specific Donegal market share is hard to isolate, but this is a key product line.
- Commercial Property Insurance: Covers physical damage and loss of income to commercial buildings. Market competitors include Chubb, Zurich, and AIG. Market share data is hard to isolate to Donegal. This product line is a significant contributor.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and heavily regulated. Factors like economic conditions, interest rates, and natural disasters influence market dynamics.
Positioning
Donegal Group Inc. positions itself as a regional insurer with a focus on providing personalized service and building strong relationships with independent agents. Their competitive advantage lies in their local market knowledge and service approach.
Total Addressable Market (TAM)
The total addressable market for property and casualty insurance in the US is estimated to be several hundred billion dollars. Donegal's TAM is the regional portion of that amount. While large, its market share is relatively small and it needs to continue growing to compete.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Regional market expertise
- Conservative underwriting practices
- Solid financial stability
Weaknesses
- Limited geographic reach compared to national players
- Dependence on independent agents
- Smaller market share compared to larger competitors
- Potential vulnerability to regional economic downturns
Opportunities
- Expanding into new geographic markets
- Developing new insurance products
- Leveraging technology to improve efficiency
- Acquiring smaller insurance companies
Threats
- Increased competition from national insurers
- Rising claims costs due to inflation and severe weather events
- Changes in regulatory requirements
- Economic downturns
Competitors and Market Share
Key Competitors
- TRV
- PGR
- AFG
Competitive Landscape
Donegal Group Inc. faces intense competition from larger national insurers. Its advantages include regional expertise and strong agent relationships, but its smaller size limits its scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Historically, Donegal Group Inc.'s growth has been moderate, primarily driven by organic expansion and strategic acquisitions.
Future Projections: Future growth projections are dependent on market conditions, competition, and the company's ability to execute its strategic plans. Analyst estimates are not generally available for smaller regional insurers.
Recent Initiatives: Requires up-to-date information on recent strategic initiatives from the company's website or press releases.
Summary
Donegal Group A Inc. is a regional insurance company with a strong presence in the mid-Atlantic region. The company benefits from a strong network of independent agents and solid financial stability. Its smaller size limits its geographic reach compared to larger national players. Donegal needs to continually evolve its product offerings and technology to remain competitive in a rapidly changing market.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data are estimates and may not be precise. Financial data are based on historical information and are subject to change.
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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