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DGICB 
Donegal Group B Inc (DGICB)
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Upturn Advisory Summary
12/26/2025: DGICB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -17.35% | Avg. Invested days 34 | 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 12/26/2025 |
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 B Inc. (DGII), formerly known as Donegal Insurance Group, was founded in 1986. It has grown from a regional insurance provider to a publicly traded company serving multiple states. The company has undergone several strategic expansions and acquisitions to broaden its product offerings and geographic reach.
Core Business Areas
- Insurance Underwriting: Donegal Group B Inc. underwrites and markets a broad range of property and casualty insurance products. This includes commercial and personal lines, primarily through its subsidiaries. The company focuses on delivering competitive products and excellent customer service.
- Claims Management: A critical component of Donegal's operations is its robust claims management system. This segment ensures efficient and fair processing of claims, aiming to minimize losses and maintain customer satisfaction.
- Investment Income: The company also generates income from its investment portfolio, which consists of a mix of fixed-income securities and other investments.
Leadership and Structure
Donegal Group B Inc. is led by a Board of Directors and a senior management team. The organizational structure is designed to support its insurance underwriting and claims operations across its various subsidiaries.
Top Products and Market Share
Key Offerings
- Commercial Insurance: Includes a variety of coverages such as general liability, commercial property, commercial auto, workers' compensation, and umbrella policies. Competitors include major insurance carriers like The Hartford, Travelers, and Chubb. Market share data for specific product lines is not publicly detailed for Donegal.
- Personal Insurance: Offers homeowners, auto, and umbrella insurance policies for individuals. Key competitors in this space include State Farm, Geico, and Progressive. Specific market share for Donegal's personal lines is not readily available.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and cyclical, influenced by economic conditions, natural disasters, and regulatory changes. Insurers face challenges related to pricing, risk management, and technological advancements.
Positioning
Donegal Group B Inc. positions itself as a reliable regional insurer with a focus on niche markets and strong agency relationships. Its competitive advantages lie in its experienced underwriting, claims handling, and a dedicated agent network.
Total Addressable Market (TAM)
The TAM for the US property and casualty insurance market is vast, estimated to be hundreds of billions of dollars annually. Donegal Group B Inc. operates within specific segments of this market, aiming to capture a significant share of its targeted niches rather than the entire TAM.
Upturn SWOT Analysis
Strengths
- Strong regional presence and established brand.
- Experienced underwriting and claims management teams.
- Loyal network of independent insurance agents.
- Diversified product portfolio within P&C insurance.
Weaknesses
- Limited national brand recognition compared to larger competitors.
- Potential susceptibility to regional economic downturns.
- Reliance on independent agents can create distribution challenges.
Opportunities
- Expansion into new geographic markets.
- Development of new insurance products to meet evolving customer needs.
- Leveraging technology for improved efficiency and customer experience.
- Strategic acquisitions to enhance market position.
Threats
- Increased competition from national and global insurers.
- Adverse impacts from natural catastrophes and climate change.
- Rising claims costs due to inflation and economic factors.
- Evolving regulatory landscape and compliance burdens.
Competitors and Market Share
Key Competitors
- The Hartford Financial Services Group Inc. (HIG)
- The Travelers Companies Inc. (TRV)
- Chubb Limited (CB)
Competitive Landscape
Donegal Group B Inc. competes in a fragmented market dominated by larger national and international insurers. Its advantages include specialization in certain niches and strong regional relationships, while disadvantages relate to scale and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Donegal Group B Inc. has demonstrated historical growth through organic premium increases and strategic acquisitions, expanding its geographic footprint and product lines. The company has focused on profitable growth within its core insurance segments.
Future Projections: Future projections for Donegal Group B Inc. are typically provided by financial analysts and depend on industry trends, management strategies, and economic outlook. Analysts often forecast continued premium growth and stable profitability.
Recent Initiatives: Recent initiatives may include enhancing digital capabilities, expanding into new commercial lines, or optimizing operational efficiency through technology.
Summary
Donegal Group B Inc. is a stable player in the P&C insurance market, leveraging its regional strengths and agent relationships. Its diversified product offerings and focus on underwriting discipline are key strengths. However, it faces challenges from larger competitors and the inherent volatility of the insurance industry. Continued investment in technology and strategic expansion will be crucial for future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Outlets
- Industry Analysis Reports
Disclaimers:
This information is for informational purposes only and does not constitute financial advice. Market share data is an estimation based on general industry knowledge and may not reflect precise figures for Donegal Group B Inc. Specific financial figures and projections should be verified with official company reports and qualified financial advisors.
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.
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