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Upturn AI SWOT - About
DGICB 
Donegal Group B Inc (DGICB)
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Upturn Advisory Summary
09/12/2025: 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 09/12/2025 |
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 in Marietta, Pennsylvania, as Donegal Mutual Insurance Company. It later formed Donegal Group Inc. to operate as a publicly traded holding company. Over time, it has expanded its insurance offerings and geographic reach through acquisitions and organic growth, focusing on property and casualty insurance for businesses and individuals.
Core Business Areas
- Commercial Lines: Provides property and casualty insurance products for small to medium-sized businesses, including coverage for property damage, liability, and workers' compensation.
- Personal Lines: Offers personal auto, homeowners, and umbrella insurance policies to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives responsible for managing the company's operations and strategy. The organizational structure includes various departments focused on underwriting, claims, sales, and marketing, reporting up through regional and corporate management.
Top Products and Market Share
Key Offerings
- Commercial Package Policies: These bundled insurance solutions cater to businesses, combining property, liability, and other coverages. Market share data is difficult to obtain precisely, as it is blended with other P&C insurers and dependent on regional markets. Competitors include Travelers (TRAV), The Hartford (HIG), and Chubb (CB).
- Personal Auto Insurance: Provides financial protection against physical damage or bodily injury resulting from traffic collisions. Market share is fragmented and varies by region. Competitors include State Farm, Progressive (PGR), and GEICO (BRK.A).
- Homeowners Insurance: Covers losses and damages to an individual's house and assets in the home. Market share is fragmented and varies by region. Competitors include State Farm, Allstate (ALL) and Liberty Mutual.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to regulatory oversight. It is influenced by economic conditions, interest rates, and catastrophic events.
Positioning
Donegal Group B Inc focuses on small to medium-sized businesses and individuals, primarily in the Eastern and Midwestern United States. Its competitive advantage lies in its regional focus and strong relationships with independent insurance agents.
Total Addressable Market (TAM)
The total US P&C insurance market is estimated to be worth over $800 billion. Donegal Group Inc is a smaller player, with the opportunity to expand within its target segments and geography.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Regional focus
- Conservative underwriting practices
- Solid financial strength
Weaknesses
- Limited geographic diversification
- Smaller size compared to national competitors
- Reliance on independent agents
- Sensitivity to catastrophic events
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Leveraging technology to improve efficiency
- Acquisitions of smaller insurance companies
Threats
- Increased competition from larger national insurers
- Changes in regulatory environment
- Impact of catastrophic events
- Economic downturn
Competitors and Market Share
Key Competitors
- TRV
- HIG
- PGR
- ALL
- BRK.A
Competitive Landscape
Donegal Group Inc. competes with larger national insurers. It differentiates itself through its regional focus and independent agent network, but its smaller size limits its ability to offer the same breadth of products and services.
Growth Trajectory and Initiatives
Historical Growth: Detailed financial data is not currently available, I am an LLM Model and cannot access external websites. Please use trusted financial data sources to fill out the rest of the JSON.
Future Projections: Detailed financial data is not currently available, I am an LLM Model and cannot access external websites. Please use trusted financial data sources to fill out the rest of the JSON.
Recent Initiatives: Detailed financial data is not currently available, I am an LLM Model and cannot access external websites. Please use trusted financial data sources to fill out the rest of the JSON.
Summary
Donegal Group B Inc. is a regional property and casualty insurer with a focus on small businesses and individuals, primarily in the Eastern and Midwestern US. Its strengths lie in its relationships with independent agents and conservative underwriting practices. Its challenges include limited geographic diversification, competition from larger national insurers, and sensitivity to catastrophic events. The company is well-positioned for gradual growth within its existing markets but could benefit from strategic acquisitions or expansions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Public SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated and may vary. Consult with a qualified financial advisor before making any investment decisions.
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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