DGIC.A Stock Overview

An insurance holding company, provides commercial and personal lines of property and casualty coverages. More details

DGIC.A fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	4/6
Financial Health	5/6
Dividends	5/6

Rewards

Price-To-Earnings ratio (10.2x) is below the US market (17.5x)

Earnings grew by 1254.2% over the past year

Pays a reliable dividend of 3.7%

Trading at good value compared to peers and industry

Risk Analysis

Earnings are forecast to decline by an average of 1.5% per year for the next 3 years

Community vs My Fair Value

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Donegal Group

AnalystConsensusTarget

Consensus Narrative from 2 Analysts

Declining Premiums And Rising Costs Will Weaken Earnings

Key Takeaways Strategic shift towards commercial lines growth may impact profitability, as the reduction in higher-margin personal lines could affect earnings stability. Modernization efforts, although beneficial long-term, may suppress short-term earnings due to significant initial costs and competitive pricing pressures.

View narrative

US$19.00

3.8% overvalued

3.56%

Revenue growth p.a.

10 days ago

View Donegal Group Community

Donegal Group Inc. Competitors

United Fire Group

NasdaqGS:UFCS

US$710.8m

Universal Insurance Holdings

NYSE:UVE

US$732.0m

Heritage Insurance Holdings

NYSE:HRTG

US$771.7m

AMERISAFE

NasdaqGS:AMSF

US$898.4m

Price History & Performance

Summary of share price highs, lows and changes for Donegal Group
Historical stock prices
Current Share Price	US$19.72
52 Week High	US$20.51
52 Week Low	US$12.26
Beta	-0.019
1 Month Change	9.68%
3 Month Change	31.03%
1 Year Change	48.38%
3 Year Change	31.20%
5 Year Change	46.29%
Change since IPO	324.94%

Recent updates

Donegal Group's (NASDAQ:DGIC.A) Dividend Will Be $0.1725

Dec 24

Donegal Group (NASDAQ:DGIC.A) Will Pay A Dividend Of $0.1725

Oct 21

Critical Underwriting And Diversification Fuel Optimistic Earnings Growth In The Insurance Sector

Sep 24 Introduction of improved underwriting tools and a shift towards high-yield investments are likely to positively affect Donegal Group's net margins and earnings.

Donegal Group (NASDAQ:DGIC.A) Has Announced That It Will Be Increasing Its Dividend To US$0.17

Apr 25

Here's Why I Think Donegal Group (NASDAQ:DGIC.A) Might Deserve Your Attention Today

May 24

Shareholder Returns

	DGIC.A	US Insurance	US Market
7D	0.6%	0.5%	-0.3%
1Y	48.4%	16.0%	8.1%

Return vs Industry: DGIC.A exceeded the US Insurance industry which returned 16% over the past year.

Return vs Market: DGIC.A exceeded the US Market which returned 8% over the past year.

Price Volatility

Is DGIC.A's price volatile compared to industry and market?
DGIC.A volatility
DGIC.A Average Weekly Movement	4.1%
Insurance Industry Average Movement	5.4%
Market Average Movement	8.0%
10% most volatile stocks in US Market	16.6%
10% least volatile stocks in US Market	4.2%

Stable Share Price: DGIC.A has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: DGIC.A's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1986	n/a	Kevin Burke	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.

Donegal Group Inc. Fundamentals Summary

How do Donegal Group's earnings and revenue compare to its market cap?
DGIC.A fundamental statistics
Market cap	US$695.10m
Earnings (TTM)	US$70.11m
Revenue (TTM)	US$993.64m

10.2x

P/E Ratio

0.7x

P/S Ratio

Is DGIC.A overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
DGIC.A income statement (TTM)
Revenue	US$993.64m
Cost of Revenue	US$903.68m
Gross Profit	US$89.96m
Other Expenses	US$19.84m
Earnings	US$70.11m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	1.94
Gross Margin	9.05%
Net Profit Margin	7.06%
Debt/Equity Ratio	6.0%

How did DGIC.A perform over the long term?

See historical performance and comparison

Dividends

3.7%

Current Dividend Yield

34%

Payout Ratio

Does DGIC.A pay a reliable dividends?

See DGIC.A dividend history and benchmarks

When do you need to buy DGIC.A by to receive an upcoming dividend?
Donegal Group dividend dates
Ex Dividend Date	May 01 2025
Dividend Pay Date	May 15 2025
Days until Ex dividend	10 days
Days until Dividend pay date	4 days

Does DGIC.A pay a reliable dividends?

See DGIC.A dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/11 09:05
End of Day Share Price	2025/05/09 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Donegal Group Inc. is covered by 5 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Robert Farnam	Boenning & Scattergood, Inc.
Robert Farnam	Janney Montgomery Scott LLC
Meyer Shields	Keefe, Bruyette, & Woods

DGIC.A Stock Overview

Rewards

Risk Analysis

Declining Premiums And Rising Costs Will Weaken Earnings

Donegal Group Inc. Competitors

NasdaqGS:UFCS

US$710.8m

NYSE:UVE

US$732.0m

NYSE:HRTG

US$771.7m

NasdaqGS:AMSF

US$898.4m

Price History & Performance

Recent News & Updates

Senior VP & Treasurer notifies of intention to sell stock

First quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behind

New major risk - Revenue and earnings growth

Fourth quarter dividend increased to US$0.18

Donegal Group Inc. Announces Increase in Quarterly Dividend, Payable on May 15, 2025

Donegal Group Inc. to Report Q1, 2025 Results on Apr 24, 2025

Recent updates

Senior VP & Treasurer notifies of intention to sell stock

First quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behind

New major risk - Revenue and earnings growth

Fourth quarter dividend increased to US$0.18

Donegal Group Inc. Announces Increase in Quarterly Dividend, Payable on May 15, 2025

Donegal Group Inc. to Report Q1, 2025 Results on Apr 24, 2025

Price target increased by 9.1% to US$18.00

Donegal Group Inc., Annual General Meeting, Apr 17, 2025

Independent Director exercised options to buy US$234k worth of stock.

Consensus EPS estimates increase by 12%, revenue downgraded

Full year 2024 earnings: EPS exceeds analyst expectations

Donegal Group Inc. to Report Q4, 2024 Results on Feb 20, 2025

Upcoming dividend of US$0.17 per share

Donegal Group's (NASDAQ:DGIC.A) Dividend Will Be $0.1725

Third quarter dividend of US$0.17 announced

Donegal Group Inc. Announces Quarterly Dividend on Class A and Class B Common Stock, Payable on February 18, 2025

Scott A. Berlucchi Announces Retirement from the Board of Directors of Donegal Group Inc. as Director

Senior VP & Chief Information Officer notifies of intention to sell stock

Price target increased by 14% to US$16.50

Independent Director recently bought US$78k worth of stock

Independent Director exercised options to buy US$68k worth of stock.

Price target increased by 8.8% to US$15.50

Third quarter 2024 earnings: EPS exceeds analyst expectations

Donegal Group (NASDAQ:DGIC.A) Will Pay A Dividend Of $0.1725

Second quarter dividend of US$0.17 announced

Donegal Group Inc. Announces Quarterly Dividend, Payable on November 15, 2024

Donegal Group Inc. to Report Q3, 2024 Results on Oct 24, 2024

Critical Underwriting And Diversification Fuel Optimistic Earnings Growth In The Insurance Sector

Consensus EPS estimates increase by 46%

Donegal Group (NASDAQ:DGIC.A) Has Affirmed Its Dividend Of $0.1725

Second quarter 2024 earnings: EPS and revenues exceed analyst expectations

First quarter dividend of US$0.17 announced

Donegal Group Inc. Declares Regular Quarterly Cash Dividend, Payable on August 15, 2024

It's A Story Of Risk Vs Reward With Donegal Group Inc. (NASDAQ:DGIC.A)

Donegal Group Inc. to Report Q2, 2024 Results on Jul 25, 2024

First quarter 2024 earnings released: EPS: US$0.18 (vs US$0.16 in 1Q 2023)

Fourth quarter dividend increased to US$0.17

Donegal Group Inc. Announces Increase in Quarterly Dividend, Payable on May 22, 2024

Donegal Group Inc. to Report Q1, 2024 Results on Apr 25, 2024

Donegal Group Inc., Annual General Meeting, Apr 18, 2024

Consensus EPS estimates fall by 21%

Full year 2023 earnings: EPS misses analyst expectations

Donegal Group Inc. to Report Q4, 2023 Results on Feb 22, 2024

Upcoming dividend of US$0.17 per share at 4.6% yield

Donegal Group Inc. Announces Quarterly Cash Dividend for Class A Common Stock and Class B Common Stock, Payable on February 15, 2024

Third quarter 2023 earnings released: US$0.024 loss per share (vs US$0.32 loss in 3Q 2022)

Upcoming dividend of US$0.17 per share at 4.8% yield

Donegal Group Inc. Declares Regular Quarterly Cash Dividend, Payable on November 15, 2023

Donegal Group Inc. to Report Q3, 2023 Results on Oct 26, 2023

Independent Director exercised options to buy US$65k worth of stock.

Senior VP & General Counsel notifies of intention to sell stock

Second quarter 2023 earnings: EPS misses analyst expectations

Donegal Group (NASDAQ:DGIC.A) Has Announced A Dividend Of $0.17

Donegal Group Inc. Announces Quarterly Dividend for Class A Common Stock and Class B Common Stock, Payable on August 15, 2023

Price target decreased by 13% to US$14.00

Donegal Group Inc. to Report Q2, 2023 Results on Jul 27, 2023

President exercised options and sold US$85k worth of stock

Insufficient new directors