Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
DGICB 
Donegal Group B Inc (DGICB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/27/2025: DGICB (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.
Analysis of Past Performance
Type Stock | Historic Profit -9.29% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 711.58M USD | Price to earnings Ratio 8.98 | 1Y Target Price - |
Price to earnings Ratio 8.98 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 10.29 - 20.46 | Updated Date 06/29/2025 |
52 Weeks Range 10.29 - 20.46 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.57% | Basic EPS (TTM) 2.06 |
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 8.98 | Forward PE 14.37 | Enterprise Value 682269350 | Price to Sales(TTM) 0.72 |
Enterprise Value 682269350 | Price to Sales(TTM) 0.72 | ||
Enterprise Value to Revenue 0.69 | Enterprise Value to EBITDA - | Shares Outstanding 5576780 | Shares Floating 17383796 |
Shares Outstanding 5576780 | Shares Floating 17383796 | ||
Percent Insiders 0.03 | Percent Institutions 91.09 |
Upturn AI SWOT
Donegal Group B Inc
Company Overview
History and Background
Donegal Group Inc. was founded in 1889 in Marietta, Pennsylvania, as Donegal Mutual Insurance Company. It evolved into a publicly traded holding company, Donegal Group Inc. (DGICA and DGICB), expanding its insurance offerings and geographic footprint through acquisitions and organic growth.
Core Business Areas
- Commercial Lines: Provides a range of property and casualty insurance products for businesses, including commercial auto, workers' compensation, and general liability.
- Personal Lines: Offers personal auto, homeowners, and umbrella insurance to individuals and families.
- Investment Management: Manages the company's investment portfolio to generate income and capital appreciation.
Leadership and Structure
Kevin G. Burke is the President and Chief Executive Officer. The company has a board of directors and operates with a decentralized structure, allowing regional autonomy while maintaining corporate oversight.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for commercial vehicles. Market share is regional and not nationally dominant; competition includes Progressive (PGR), Travelers (TRV), and Hartford Financial Services (HIG). Precise market share data is difficult to obtain as it varies by region.
- Homeowners Insurance: Protects homeowners from financial losses due to property damage or liability. Competitors include State Farm, Allstate (ALL), and Liberty Mutual. Market Share is also regional and not nationally dominant; specific market share data is not readily available.
- Personal Auto Insurance: Protects drivers from financial losses due to property damage or liability. Competitors include State Farm, Progressive (PGR), Allstate (ALL)
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to regulatory changes, economic cycles, and catastrophic events.
Positioning
Donegal Group Inc. operates as a regional property and casualty insurer, focusing on small to medium-sized businesses and individuals in the Mid-Atlantic, Midwestern, Southern, and New England states. It differentiates itself through strong relationships with independent agents.
Total Addressable Market (TAM)
The U.S. property and casualty insurance market is estimated to be worth hundreds of billions of dollars annually. Donegal Group Inc. targets a specific segment of this market, leaving a significant portion untapped.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Regional focus allows for tailored products and services
- Diversified product portfolio
- Conservative underwriting practices
Weaknesses
- Limited geographic reach compared to national players
- Smaller market capitalization
- Potential for higher expense ratios due to regional focus
- Reliance on independent agents
Opportunities
- Expansion into new geographic markets
- Increased adoption of technology to improve efficiency
- Strategic acquisitions of smaller regional insurers
- Development of new insurance products and services
Threats
- Increased competition from larger national insurers
- Catastrophic events can significantly impact profitability
- Regulatory changes could increase compliance costs
- Economic downturns can reduce demand for insurance products
Competitors and Market Share
Key Competitors
- TRV
- HIG
- AFG
- WTM
- ACGL
Competitive Landscape
Donegal Group Inc. faces stiff competition from larger national insurers with greater financial resources and brand recognition. Its advantage lies in its regional focus and strong relationships with independent agents.
Major Acquisitions
Shepherd Insurance Partners
- Year: 2021
- Acquisition Price (USD millions): 22
- Strategic Rationale: Expand presence in the Mid-Atlantic region and grow agency network.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by a combination of organic growth and acquisitions.
Future Projections: Analyst estimates project moderate revenue growth in the coming years.
Recent Initiatives: Recent initiatives include investments in technology to improve underwriting and claims processing, as well as expansion into select new markets.
Summary
Donegal Group B Inc is a regional insurer with moderate growth and profitability. Its strong relationships with independent agents and regional focus are key strengths. However, it faces competition from larger national insurers and is vulnerable to catastrophic events and regulatory changes. The recent strategic initiatives may help with growing presence in the market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on available information. Investment decisions should be made based on individual risk tolerance and financial situation.
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 B Inc
Exchange NASDAQ | Headquaters Marietta, PA, United States | ||
IPO Launch date 1990-03-26 | 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.