Donegal Group Inc.
DGICB · Price history
Price at last available close
$25.77
+$9.18 (+55.33%) 1M
2026-10-28
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Company & revenue
About Donegal Group Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
Donegal Group Inc. operates as an insurance holding company that generates revenue primarily through the underwriting of personal and commercial property and casualty insurance policies. The company earns premiums from policyholders and manages an investment portfolio to generate net investment income, while managing operational costs through its affiliation with Donegal Mutual Insurance Company.
Products & services
The company provides personal lines of insurance, including homeowners and private passenger automobile coverage, and commercial lines of insurance, including commercial automobile, commercial multi-peril, and workers' compensation coverage.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company does not report significant customer concentration as its business is derived from a large number of individual and commercial policyholders across multiple states.
Suppliers, materials & equipment
- Reinsurance providers — Various third-party reinsurers that provide reinsurance coverage to mitigate risk; specific supplier names are not disclosed.Source
Business relationships & partnerships
- Donegal Mutual Insurance Company — The company and its insurance subsidiaries conduct business with Donegal Mutual and its other insurance subsidiaries as the Donegal Insurance Group, sharing management, employees, facilities, and business philosophy.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
66
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
63
Fair
Financial Strength
77
Business Quality / Moat
46
Management
92
Growth Quality
25
Risk / Durability
64
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
76
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
70/100
Building Historical Record
Model Score 70/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Balance-sheet / debt profile scores strongly
- •Valuation scores attractively
- •Insider activity signal is favorable
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for DGICB
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving DGICB's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is DGICB's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does DGICB's balance between cash and debt leave enough flexibility if business conditions weaken?
- •Is DGICB's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
66
Opportunity Score
76
Market Cap
$842.7M
P/E Ratio
8.8
EPS
$1.97
52-Week High
$29.99
52-Week Low
$14.87
Beta
-0.03
Intrinsic Value
$35.90
Shares Outstanding
31.2M
Total Revenue
$963.2M
Total Debt
$35.0M
Dividend Yield (TTM)
2.64%
Liquidation Value / Share
$21.32
Dividend / Share (TTM)
$0.68
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong upward momentum
Elevated movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for DGICB
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Community Sentiment
0 active · 0 total callsNo personal call yet on DGICB.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Long-standing affiliation with Donegal Mutual Insurance Company.
- +Geographic diversification across 21 states.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Insurance - Property & Casualty industry.
- −Catastrophic weather events and climate change.
- −Regulatory changes and insurance department oversight.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
6 historical score records availablePrevious Score
63
Sep 17, 2026
Change
+3.3
points
Current Score
66
Oct 1, 2026
Category Changes
DGICB increased 3.3 points because Revenue improved by 7.3 points, Capital improved by 10 points, Valuation improved by 10 points.
Positive Contributors
- + Revenue improved by 7.3 points
- + Capital improved by 10 points
- + Valuation improved by 10 points
- + Buffett improved by 2.4 points
Projected Score
Projected Score
66
Projected Change
-0.6 points
Preliminary comparable-period financial changes suggest decline of approximately 0.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$25.77
Model Intrinsic Value
$35.90
Difference
−$10.13
-28.2% vs IV
Margin of Safety
28.2%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $963.2M | $978.0M | $989.6M | $927.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $702.4M | $717.1M | $764.4M | $763.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $260.8M | $260.9M | $225.2M | $163.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $173.1M | $163.3M | $162.8M | $158.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $91.5M | $102.0M | $67.2M | $10.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $87.7M | $97.6M | $62.3M | $5.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $1.4M | $1.4M | $946K | $620K | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $87.7M | $97.6M | $62.3M | $5.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $16.6M | $18.3M | $11.5M | $638K | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $71.1M | $79.3M | $50.9M | $4.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $1.97 | $2.22 | $1.54 | $0.14 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 31.45M | 30.74M | 33.00M | 33.05M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 31.91M | 31.25M | 33.08M | 33.14M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$241.1M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.60
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
No material change
Cash Change
-58.7%
Margin Change
+2.4 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included EPS growth, net income margin. Pressure indicators included revenue growth, cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 2.4%. EPS increased 30.4%. Cash declined 58.7%. Total debt was essentially unchanged. Net income margin improved by 2.4 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
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Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
6 historical recordsHistorical Score Chart
3 of 6 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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News
No news available for DGICB.
Rumor Mill · DGICB
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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