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Upturn AI SWOT - About
DGICB 
Donegal Group B Inc (DGICB)
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Upturn Advisory Summary
07/03/2025: 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.
Number of Analysts
0 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
Analysis of Past Performance
Type Stock | Historic Profit 4.71% | Avg. Invested days 51 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/03/2025 |
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 1986. It operates as an insurance holding company, primarily focused on property and casualty insurance in the Mid-Atlantic, Midwestern, New England, and Southern states.
Core Business Areas
- Commercial Lines: Provides a range of commercial property and casualty insurance products, including coverage for small businesses, farms, and contractors.
- Personal Lines: Offers personal lines insurance products such as homeowners, auto, and umbrella policies.
- Investment Management: Manages the investment portfolio for the company to optimize returns and ensure financial stability.
Leadership and Structure
The company is led by a board of directors and a management team. Kevin G. Burke is the President and CEO. The organizational structure consists of various departments overseeing underwriting, claims, sales, and finance.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for vehicles used for business purposes. Market share data is not publicly available in a concise format. Competitors include Progressive (PGR), Travelers (TRV), and The Hartford (HIG).
- Homeowners Insurance: Offers protection against property damage and liability claims. Market share data is not publicly available in a concise format. Competitors include State Farm, Allstate (ALL), and Liberty Mutual.
- Farmowners Insurance: Provides insurance coverage to farmers. Market share data is not publicly available in a concise format. Competitors include Nationwide, Farmers Mutual Hail Insurance and Rural Community Insurance Services
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and heavily influenced by factors such as economic conditions, regulatory changes, and catastrophic events.
Positioning
Donegal Group Inc. operates as a regional insurance carrier focusing on specific geographic markets. Its competitive advantage lies in its strong relationships with independent agents and local market knowledge.
Total Addressable Market (TAM)
The U.S. property and casualty insurance market is estimated to be hundreds of billions of dollars annually. Donegal Group Inc. captures a small percentage of this TAM, focusing on regional and niche markets.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Regional focus
- Diversified product portfolio
- Stable financial performance
Weaknesses
- Limited geographic reach compared to national carriers
- Smaller scale may impact pricing competitiveness
- Reliance on independent agents
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Leveraging technology to improve efficiency
Threats
- Increased competition from national carriers
- Catastrophic events impacting claims
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRV
- ALL
- PGR
- HIG
- SFM
Competitive Landscape
Donegal Group Inc. faces intense competition from larger national carriers. Its advantages include regional expertise and strong agent relationships, while its disadvantages include limited scale and brand recognition.
Major Acquisitions
Sheboygan Falls Insurance Company
- Year: 2014
- Acquisition Price (USD millions): 34.1
- Strategic Rationale: Expanded Donegal Group's market presence in Wisconsin.
Growth Trajectory and Initiatives
Historical Growth: Donegal Group Inc.'s historical growth has been moderate, driven by organic growth and strategic acquisitions.
Future Projections: Future growth projections are typically based on analyst estimates and depend on factors such as market conditions and company-specific initiatives.
Recent Initiatives: Recent initiatives may include technology upgrades, expansion of product offerings, and strategic partnerships.
Summary
Donegal Group B Inc. is a regional property and casualty insurer with solid agent relationships but limited scale. Its diversified product portfolio is a strength, but it faces strong competition from national carriers and catastrophic event risks. Future growth relies on strategic initiatives and market expansion. Investors should monitor financial performance, competitive pressures, and dividend stability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Market Data Providers
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It is not investment advice. Market share data is based on approximations and may not reflect the most current information. Investment decisions should be made in consultation with a qualified financial advisor.
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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