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Upturn AI Summary - About
Donegal Group B Inc(DGICB)
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 DGICB
09/25/2026: DGICB (1-star) is a SELL. SELL for 5 days. Simulated Profits (-24.90%). Updated daily EoD!
Donegal Group B Inc is a regional property and casualty insurance holding company that operates primarily through a long-standing relationship with Donegal Mutual Insurance Company. Its primary business strength lies in a deep, agent-based distribution network and a conservative approach to underwriting that emphasizes long-term stability. The company's main growth opportunity involves digital transformation and selective regional expansion. However, investors should monitor risks associated with geographic concentration, increasing weather-related claim costs, and aggressive pricing competition from larger national insurers. The stock may suit dividend-seeking or value-oriented investors who prioritize income and stability over rapid capital appreciation.
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's business model is centered on stability and underwriting consistency rather than high-growth scaling. |
| Momentum investor | Weak fit | The stock typically exhibits low trading volume and steady price patterns rather than explosive momentum signals. |
| Value investor | Strong fit | The company is often priced based on its book value, appealing to those seeking traditional insurance sector valuations. |
| Dividend investor | Strong fit | The company has a consistent history of dividend payments, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | The company's conservative underwriting and focus on regional markets offer a lower-risk profile compared to high-growth tech stocks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock is generally less volatile than the broader market due to its stable, utility-like business model. |
| Valuation risk | Medium | Valuation is sensitive to interest rate environments which impact the company's investment income. |
| Competition risk (National carriers) | High | Large insurers with massive scale and data advantages can exert significant pricing pressure on regional players. |
| Business quality | Medium | Profitability is dependent on disciplined underwriting and managing catastrophic loss events. |
| Dividend income | Medium | Dividend sustainability depends on consistent underwriting profit and interest income. |
| Execution risk | Medium | Successfully integrating regional acquisitions and managing claims requires effective management execution. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Extreme Price Shocks
The stock has experienced exceptionally large and disruptive price movements during the period.
Analysis of Past Performance
Type Stock | Historic Profit -19.97% | Avg. Invested days 46 | Today’s Advisory SELL |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
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 675.57M USD | Price to earnings Ratio 9.48 | 1Y Target Price - |
Price to earnings Ratio 9.48 | 1Y Target Price - | ||
Volume (30-day avg) 1.4K shares | Beta -0.03 | 52 Weeks Range 14.32 - 29.75 | Updated Date 09/26/2026 |
52 Weeks Range 14.32 - 29.75 | Updated Date 09/26/2026 | ||
Dividends yield (FY) 4.25% | Basic EPS (TTM) 1.92 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Insurance Underwriting | Premiums collected from personal and commercial property and casualty policies. | The company earns money by ensuring that the premiums collected exceed the claims paid out and operating expenses. |
| Investment Income | Interest and dividends earned from investing the company's reserve assets (float). | Income generated from a conservative bond portfolio provides a stable secondary stream of earnings. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 9.48 | Forward PE 14.37 | 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 5.58M | Shares Floating 17.44M |
Shares Outstanding 5.58M | Shares Floating 17.44M | ||
Percent Insiders 0.03 | Percent Institutions 93.15 |
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 B Inc
Exchange NASDAQ | Headquarters 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 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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