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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
10/23/2026: DGICB (1-star) is currently NOT-A-BUY. Pass it for now.
Donegal Group B Inc is a regional property and casualty insurance company that focuses on personal and commercial lines across several US territories. Its primary strength lies in its long-standing, collaborative relationships with independent insurance agents, which foster steady distribution. The company's growth story centers on maintaining disciplined underwriting while expanding its footprint in the small-to-medium-sized business market. Investors face risks regarding geographic weather exposure and intense competition from large national carriers. The stock may best suit dividend-seeking or conservative investors who value stability and consistent income, though they should monitor underwriting results and catastrophe-related losses as key performance drivers.
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 is a slow-growth, mature insurer rather than a high-growth technology or market disruptor. |
| Momentum investor | Weak fit | The stock typically exhibits low trading volume and limited price momentum. |
| Value investor | Mixed fit | Value investors may be attracted to its steady book value, though liquidity is limited. |
| Dividend investor | Strong fit | The company has a consistent history of paying dividends, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | As an established, regulated insurer, it offers lower beta and relative stability for conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock has historically lower trading volume and sensitivity to broad market swings. |
| Valuation risk | Low | The stock generally trades in line with its book value, limiting extreme overvaluation risks. |
| Competition risk | Medium / high | Intense competition from major national insurance carriers puts pressure on pricing power. |
| Business quality | Medium | The franchise has long-term stability but faces challenges in growing market share. |
| Dividend income | Medium | Dividend reliability is high, though growth of the dividend depends on insurance underwriting results. |
| Execution risk | Medium | Maintaining underwriting discipline while pursuing growth requires consistent operational 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 -21.11% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
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 890.49M USD | Price to earnings Ratio 12.49 | 1Y Target Price - |
Price to earnings Ratio 12.49 | 1Y Target Price - | ||
Volume (30-day avg) 3.0K shares | Beta -0.05 | 52 Weeks Range 14.76 - 29.75 | Updated Date 10/25/2026 |
52 Weeks Range 14.76 - 29.75 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 3.07% | Basic EPS (TTM) 1.92 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Personal Lines Insurance | Auto and home insurance premiums. | The company earns money by collecting premiums from individuals in exchange for insurance coverage. |
| Commercial Lines Insurance | Liability and property coverage for small businesses. | The company earns money by insuring business risks against unexpected loss. |
| Investment Income | Interest and dividends from the bond and equity portfolio. | The company invests the cash it collects from premiums to generate additional profit. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.49 | Forward PE 14.37 | Enterprise Value 736.50M | Price to Sales(TTM) 0.92 |
Enterprise Value 736.50M | Price to Sales(TTM) 0.92 | ||
Enterprise Value to Revenue 0.76 | 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 |
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.
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