Donegal Group Inc.

NasdaqGS:DGIC.A Stock Report

Market Cap: US$532.6m

Donegal Group Valuation

Is DGIC.A undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of DGIC.A when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate DGIC.A's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate DGIC.A's fair value for valuation analysis.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for DGIC.A?

Other financial metrics that can be useful for relative valuation.

DGIC.A key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue0.6x
Enterprise Value/EBITDA15.4x
PEG Ratio1.2x

Price to Earnings Ratio vs Peers

How does DGIC.A's PE Ratio compare to its peers?

The above table shows the PE ratio for DGIC.A vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average9.5x
UFCS United Fire Group
12.9xn/aUS$644.7m
UVE Universal Insurance Holdings
8.7x11.1%US$633.9m
HRTG Heritage Insurance Holdings
4.8x13.5%US$346.7m
GBLI Global Indemnity Group
11.8x1.0%US$469.9m
DGIC.A Donegal Group
21.6x17.3%US$532.6m

Price-To-Earnings vs Peers: DGIC.A is expensive based on its Price-To-Earnings Ratio (21.6x) compared to the peer average (9.5x).


Price to Earnings Ratio vs Industry

How does DGIC.A's PE Ratio compare vs other companies in the US Insurance Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a10.4%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a10.4%
n/an/an/a
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Price-To-Earnings vs Industry: DGIC.A is expensive based on its Price-To-Earnings Ratio (21.6x) compared to the US Insurance industry average (13.2x).


Price to Earnings Ratio vs Fair Ratio

What is DGIC.A's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

DGIC.A PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio21.6x
Fair PE Ratio16.6x

Price-To-Earnings vs Fair Ratio: DGIC.A is expensive based on its Price-To-Earnings Ratio (21.6x) compared to the estimated Fair Price-To-Earnings Ratio (16.6x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst DGIC.A forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$15.89
US$15.50
-2.5%
3.2%US$16.00US$15.00n/a2
Nov ’25US$15.15
US$15.50
+2.3%
3.2%US$16.00US$15.00n/a2
Oct ’25US$14.74
US$14.25
-3.3%
1.8%US$14.50US$14.00n/a2
Sep ’25US$15.22
US$14.25
-6.4%
1.8%US$14.50US$14.00n/a2
Aug ’25US$14.00
US$13.75
-1.8%
1.8%US$14.00US$13.50n/a2
Mar ’25US$13.94
US$14.50
+4.0%
3.4%US$15.00US$14.00n/a2
Feb ’25US$14.85
US$14.50
-2.4%
3.4%US$15.00US$14.00n/a2
Jan ’25US$13.99
US$14.50
+3.6%
3.4%US$15.00US$14.00n/a2

Analyst Forecast: Target price is lower than the current share price.


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