DGIC.A Stock Overview
Donegal Group Inc., an insurance holding company, provides personal and commercial lines of property and casualty insurance to businesses and individuals.
Donegal Group Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$13.85|
|52 Week High||US$17.13|
|52 Week Low||US$13.09|
|1 Month Change||-7.36%|
|3 Month Change||-18.00%|
|1 Year Change||-4.15%|
|3 Year Change||-4.22%|
|5 Year Change||-14.14%|
|Change since IPO||198.45%|
Recent News & Updates
|DGIC.A||US Insurance||US Market|
Return vs Industry: DGIC.A underperformed the US Insurance industry which returned -1.3% over the past year.
Return vs Market: DGIC.A exceeded the US Market which returned -21.6% over the past year.
|DGIC.A Average Weekly Movement||4.1%|
|Insurance Industry Average Movement||4.2%|
|Market Average Movement||6.9%|
|10% most volatile stocks in US Market||15.9%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: DGIC.A is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: DGIC.A's weekly volatility (4%) has been stable over the past year.
About the Company
Donegal Group Inc., an insurance holding company, provides personal and commercial lines of property and casualty insurance to businesses and individuals. It operates through three segments: Investment Function, Personal Lines of Insurance, and Commercial Lines of Insurance. The company offers private passenger automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents, as well as protection against loss from damage to automobiles; and homeowners policies, which provide coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft, as well as liability of the insured arising from injury to other persons or their property.
Donegal Group Fundamentals Summary
|DGIC.A fundamental statistics|
Is DGIC.A overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|DGIC.A income statement (TTM)|
|Cost of Revenue||US$819.74m|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||0.11|
|Net Profit Margin||0.42%|
How did DGIC.A perform over the long term?See historical performance and comparison
4.8%Current Dividend Yield
Is DGIC.A undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
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.
|What is DGIC.A's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does DGIC.A's PE Ratio compare to its peers?
|DGIC.A PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
UFCS United Fire Group
IGIC International General Insurance Holdings
AMBC Ambac Financial Group
DGIC.A Donegal Group
Price-To-Earnings vs Peers: DGIC.A is expensive based on its Price-To-Earnings Ratio (128x) compared to the peer average (45x).
Price to Earnings Ratio vs Industry
How does DGIC.A's PE Ratio compare vs other companies in the US Insurance Industry?
Price-To-Earnings vs Industry: DGIC.A is expensive based on its Price-To-Earnings Ratio (128x) compared to the US Insurance industry average (13.1x)
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.
|Current PE Ratio||128x|
|Fair PE Ratio||19.4x|
Price-To-Earnings vs Fair Ratio: DGIC.A is expensive based on its Price-To-Earnings Ratio (128x) compared to the estimated Fair Price-To-Earnings Ratio (19.4x).
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: DGIC.A ($13.85) is trading below our estimate of fair value ($23.84)
Significantly Below Fair Value: DGIC.A is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Donegal Group forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Future Growth Score3/6
Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: DGIC.A's forecast earnings growth (59.2% per year) is above the savings rate (1.9%).
Earnings vs Market: DGIC.A's earnings (59.2% per year) are forecast to grow faster than the US market (14.7% per year).
High Growth Earnings: DGIC.A's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: DGIC.A's revenue (4.6% per year) is forecast to grow slower than the US market (7.6% per year).
High Growth Revenue: DGIC.A's revenue (4.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: DGIC.A's Return on Equity is forecast to be low in 3 years time (8.6%).
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How has Donegal Group performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: DGIC.A has high quality earnings.
Growing Profit Margin: DGIC.A's current net profit margins (0.4%) are lower than last year (6.7%).
Past Earnings Growth Analysis
Earnings Trend: DGIC.A's earnings have grown significantly by 34.6% per year over the past 5 years.
Accelerating Growth: DGIC.A's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: DGIC.A had negative earnings growth (-93.4%) over the past year, making it difficult to compare to the Insurance industry average (-22.5%).
Return on Equity
High ROE: DGIC.A's Return on Equity (0.7%) is considered low.
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How is Donegal Group's financial position?
Financial Health Score5/6
Financial Health Score 5/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: DGIC.A's short term assets ($894.1M) do not cover its short term liabilities ($1.7B).
Long Term Liabilities: DGIC.A's short term assets ($894.1M) exceed its long term liabilities ($43.6M).
Debt to Equity History and Analysis
Debt Level: DGIC.A has more cash than its total debt.
Reducing Debt: DGIC.A's debt to equity ratio has reduced from 16.7% to 6.8% over the past 5 years.
Debt Coverage: DGIC.A's debt is well covered by operating cash flow (150.1%).
Interest Coverage: DGIC.A's interest payments on its debt are well covered by EBIT (5.7x coverage).
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What is Donegal Group current dividend yield, its reliability and sustainability?
Dividend Score 5/6
Cash Flow Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: DGIC.A's dividend (4.77%) is higher than the bottom 25% of dividend payers in the US market (1.62%).
High Dividend: DGIC.A's dividend (4.77%) is in the top 25% of dividend payers in the US market (4.45%)
Stability and Growth of Payments
Stable Dividend: DGIC.A's dividends per share have been stable in the past 10 years.
Growing Dividend: DGIC.A's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its high payout ratio (570.1%), DGIC.A's dividend payments are not well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its reasonably low cash payout ratio (40.6%), DGIC.A's dividend payments are well covered by cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Kevin Burke (56 yo)
Mr. Kevin Gerard Burke has been the Chief Executive Officer and President of Donegal Group Inc. since July 16, 2015. He is President of Peninsula Insurance Company and serves its Director since 2019. He is...
CEO Compensation Analysis
Compensation vs Market: Kevin's total compensation ($USD1.02M) is below average for companies of similar size in the US market ($USD2.80M).
Compensation vs Earnings: Kevin's compensation has been consistent with company performance over the past year.
Experienced Management: DGIC.A's management team is considered experienced (4.2 years average tenure).
Experienced Board: DGIC.A's board of directors are considered experienced (9.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: DGIC.A insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
|14 Sep 22||BuyUS$144,600||Donegal Mutual Insurance Company||Company||10,000||US$14.46|
|13 Sep 22||BuyUS$43,279||Jack Hess||Individual||3,000||US$14.43|
|13 Sep 22||BuyUS$283,855||Donegal Mutual Insurance Company||Company||19,574||US$14.66|
|09 Sep 22||BuyUS$281,589||Donegal Mutual Insurance Company||Company||19,311||US$14.63|
|07 Sep 22||BuyUS$286,647||Donegal Mutual Insurance Company||Company||19,900||US$14.53|
|02 Sep 22||BuyUS$145,600||Donegal Mutual Insurance Company||Company||10,000||US$14.56|
|01 Sep 22||BuyUS$289,500||Donegal Mutual Insurance Company||Company||20,000||US$14.53|
|30 Aug 22||BuyUS$140,822||Donegal Mutual Insurance Company||Company||9,619||US$14.64|
|26 Aug 22||BuyUS$277,249||Donegal Mutual Insurance Company||Company||18,472||US$15.02|
|26 Aug 22||BuyUS$148,500||Donegal Mutual Insurance Company||Company||10,000||US$14.85|
|24 Aug 22||BuyUS$261,343||Donegal Mutual Insurance Company||Company||17,414||US$15.08|
|23 Aug 22||BuyUS$1,091,965||Donegal Mutual Insurance Company||Company||70,870||US$15.41|
|22 Aug 22||BuyUS$295,089||Donegal Mutual Insurance Company||Company||19,162||US$15.49|
|18 Aug 22||BuyUS$297,844||Donegal Mutual Insurance Company||Company||19,247||US$15.48|
|16 Aug 22||BuyUS$153,800||Donegal Mutual Insurance Company||Company||10,000||US$15.38|
|15 Aug 22||BuyUS$151,965||Donegal Mutual Insurance Company||Company||9,900||US$15.35|
|12 Aug 22||BuyUS$150,700||Donegal Mutual Insurance Company||Company||10,000||US$15.07|
|11 Aug 22||BuyUS$294,417||Donegal Mutual Insurance Company||Company||19,900||US$14.83|
|09 Aug 22||BuyUS$294,800||Donegal Mutual Insurance Company||Company||20,000||US$14.83|
|05 Aug 22||BuyUS$143,700||Donegal Mutual Insurance Company||Company||10,000||US$14.37|
|04 Aug 22||BuyUS$140,409||Donegal Mutual Insurance Company||Company||9,771||US$14.37|
|03 Aug 22||BuyUS$447,250||Donegal Mutual Insurance Company||Company||30,973||US$14.44|
|02 Aug 22||BuyUS$364,663||Donegal Mutual Insurance Company||Company||25,080||US$14.54|
|14 Jun 22||BuyUS$326,952||Donegal Mutual Insurance Company||Company||20,295||US$16.11|
|13 Jun 22||BuyUS$710,081||Donegal Mutual Insurance Company||Company||44,017||US$16.27|
|09 Jun 22||BuyUS$398,485||Donegal Mutual Insurance Company||Company||24,469||US$16.31|
|07 Jun 22||BuyUS$525,687||Donegal Mutual Insurance Company||Company||32,166||US$16.43|
|03 Jun 22||BuyUS$491,472||Donegal Mutual Insurance Company||Company||30,629||US$16.05|
|01 Jun 22||BuyUS$440,538||Donegal Mutual Insurance Company||Company||27,385||US$16.17|
|27 May 22||BuyUS$327,165||Donegal Mutual Insurance Company||Company||20,537||US$15.95|
|25 May 22||BuyUS$444,844||Donegal Mutual Insurance Company||Company||28,133||US$15.83|
|23 May 22||BuyUS$362,302||Donegal Mutual Insurance Company||Company||23,195||US$15.70|
|19 May 22||BuyUS$342,067||Donegal Mutual Insurance Company||Company||21,944||US$15.62|
|17 May 22||BuyUS$308,152||Donegal Mutual Insurance Company||Company||19,956||US$15.50|
|13 May 22||BuyUS$264,530||Donegal Mutual Insurance Company||Company||17,594||US$15.06|
|11 May 22||BuyUS$117,844||Donegal Mutual Insurance Company||Company||7,941||US$14.84|
|10 May 22||BuyUS$277,436||Donegal Mutual Insurance Company||Company||18,947||US$14.68|
|05 May 22||BuyUS$278,742||Donegal Mutual Insurance Company||Company||19,554||US$14.34|
|04 May 22||BuyUS$141,205||Donegal Mutual Insurance Company||Company||10,315||US$13.83|
|03 May 22||BuyUS$51,872||Jack Hess||Individual||3,778||US$13.73|
|10 Mar 22||BuyUS$26,820||Jack Hess||Individual||2,000||US$13.41|
|24 Feb 22||BuyUS$26,640||Jack Hess||Individual||2,000||US$13.32|
|23 Nov 21||BuyUS$28,360||Jack Hess||Individual||2,000||US$14.18|
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 3.5%.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Donegal Group Inc.'s employee growth, exchange listings and data sources
- Name: Donegal Group Inc.
- Ticker: DGIC.A
- Exchange: NasdaqGS
- Founded: 1986
- Industry: Property and Casualty Insurance
- Sector: Insurance
- Implied Market Cap: US$450.028m
- Shares outstanding: 32.32m
- Website: https://www.donegalgroup.com
- Donegal Group Inc.
- 1195 River Road
- P.O. Box 302
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|DGIC.B||NasdaqGS (Nasdaq Global Select)||Class B Common Stock||US||USD||Oct 1986|
|DGIC.A||NasdaqGS (Nasdaq Global Select)||Yes||Class A Common Stock||US||USD||Apr 2001|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/23 00:00|
|End of Day Share Price||2022/09/23 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.