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Upturn AI SWOT - About
DGICB 
Donegal Group B Inc (DGICB)
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Upturn Advisory Summary
10/15/2025: 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 10/15/2025 |
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 and is headquartered in Marietta, Pennsylvania. Initially a local mutual fire insurance company, it has evolved into a regional property-casualty insurance provider operating in multiple states.
Core Business Areas
- Commercial Lines: Provides property and liability insurance coverages for businesses. These include coverage for commercial auto, workers' compensation, and general liability.
- Personal Lines: Offers personal property and liability insurance, including auto and homeowners insurance.
- Investment Management: Manages the investment portfolio of the insurance operations.
Leadership and Structure
Kevin G. Burke serves as the President and Chief Executive Officer. The company operates with a traditional corporate structure, featuring various executive officers overseeing key departments and reporting to the CEO and Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for business vehicles. Market share is not publicly available, and this segment competes with companies such as Travelers (TRV) and Progressive (PGR).
- Homeowners Insurance: Covers damage or loss to residential property. Market share is not publicly available, and the competitors include State Farm, Allstate (ALL), and Liberty Mutual.
- Workers' Compensation Insurance: Provides coverage for employee injuries and illnesses sustained during work. Market share not publicly available. Competitors include The Hartford (HIG) and Berkshire Hathaway (BRK.A).
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to regulatory oversight and economic fluctuations. The industry faces emerging risks related to climate change, cybersecurity, and evolving legal landscapes.
Positioning
Donegal Group Inc. is positioned as a regional player focusing on providing tailored insurance solutions primarily through independent agents. Its competitive advantages include a strong network of independent agents, regional expertise, and a focus on customer service.
Total Addressable Market (TAM)
The total addressable market for property and casualty insurance in the U.S. is estimated to be in the hundreds of billions of dollars annually. Donegal Group Inc. holds a small percentage of this TAM, focusing on its regional target markets.
Upturn SWOT Analysis
Strengths
- Strong network of independent agents
- Regional expertise
- Focus on customer service
- Conservative underwriting practices
- Stable financial position
Weaknesses
- Smaller scale compared to national competitors
- Limited geographic diversification
- Dependence on independent agents
- Lower brand recognition compared to national players
Opportunities
- Expansion into new geographic markets
- Strategic acquisitions
- Development of new insurance products
- Leveraging technology for improved efficiency
- Capitalizing on the increasing demand for specialized insurance coverages
Threats
- Increased competition from national insurers
- Economic downturn
- Changes in regulatory requirements
- Catastrophic events (e.g., hurricanes, floods)
- Rising claims costs
Competitors and Market Share
Key Competitors
- TRV
- PGR
- ALL
- HIG
Competitive Landscape
Donegal faces strong competition from national players with greater resources and brand recognition. Its competitive advantage lies in its regional focus and strong relationships with independent agents.
Major Acquisitions
Sheboygan Falls Insurance Services
- Year: 2021
- Acquisition Price (USD millions):
- Strategic Rationale: Expanded agency network.
Growth Trajectory and Initiatives
Historical Growth: Analysis unavailable without real-time data access.
Future Projections: Analysis unavailable without real-time data access.
Recent Initiatives: Analysis unavailable without real-time data access.
Summary
Donegal Group Inc. is a regional property-casualty insurer with a strong network of independent agents. Its regional focus allows for tailored service, but its smaller scale compared to national competitors presents challenges. The company faces threats from economic downturns and catastrophic events but can capitalize on opportunities for geographic expansion and technology adoption. A balanced approach to growth and risk management is essential for sustained success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Market Data Aggregators
Disclaimers:
The information provided is based on available data and is for informational purposes only. It should not be considered financial advice. Market share data is often estimated and can vary across sources. Financial data analysis and projections require real-time access and is omitted. The AI based rating is based on current market data and should be used with caution.
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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