Donegal Group Inc. (DGICA)

NASDAQ: DGICA · USD

$18.6

-0.23 (-1.2%)· Recorded snapshot

Market cap	690.8M
Revenue (ttm)	963.2M
Net income (ttm)	71.1M
EPS (ttm)	$1.90
Shares out	37.1M
P/E (trailing)	9.8x
P/E (forward)	10.0x
Dividend	$0.77 (4.13%)
Volume	82,450
Beta	-0.05

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 963.2M
Net income (ttm): 71.1M
EPS (ttm): $1.90
P/E (trailing): 9.8x
P/E (forward): 10.0x
Market cap: 690.8M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Активно покупать
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Активно покупать
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Держать

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E10

P25 8.7P50 10.4P75 12.8

Trailing P/E9.8

P25 10.7P50 13.5P75 31.8

ROE11.2

P25 4.9P50 11P75 15.4

ROIC10.4

P25 -0.7P50 6.7P75 12.6

Benchmarks · 1M

All DGICA indicators

Market & fundamental data

Available fields

261

Groups with data

Currency

USD

Showing 261 of 261 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000800457
Company name	Donegal Group Inc.
Country	United States
Country code	US
CUSIP number	257701201
Earnings date	2026-10-29
Earnings time	bmo
Employees	550
Enterprise value	$702.1M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1986
In index	RUSSELL2000
Industry	Insurance - Property & Casualty
Is primary listing	Yes
Is SPAC	No
ISIN number	US2577012014
Last 10-K release date	2026-03-06
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split date	2006-04-27
Last stock split type	Forward
Market cap	$690.8M
Market cap category	Small-Cap
Next earnings date	2026-10-29
Options	Yes
Price	$18.61
Price currency	USD
Sector	Financials
SIC code	6331
Stock price date	2026-10-28
Symbol	DGICA
U.S. state	Pennsylvania
Website	https://www.donegalgroup.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	9.95x
Average P/E ratio (10Y)	74.71x
Average P/E ratio (3Y)	32.2x
Average P/E ratio (5Y)	125.16x
Earnings yield	10.23%
EV/Earnings	9.87x
EV/EBIT	7.88x
EV/EBITDA	7.67x
EV/FCF	12.02x
EV/Sales	0.73x
FCF / EV yield	8.32%
FCF yield	8.46%
Forward EV/Sales	0.74x
Forward P/E	9.99x
Forward P/S	0.73x
Graham number	27.72415
Graham upside	49.05%
Industry forward P/E	12.53x
Industry P/E	10.09x
Lynch fair value	$11.44
Lynch upside	-38.5%
P/B ratio	1.05x
P/E ratio	9.77x
P/FCF ratio	11.82x
P/OCF ratio	11.82x
P/S ratio	0.72x
Price / tangible book value	1.05x
Price/EBITDA ratio	7.54x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	9.24%
EBITDA margin	9.5%
Effective tax rate	18.92%
FCF margin	6.06%
Gross margin	9.4%
Operating margin	9.24%
Pretax margin	9.1%
Profit margin	7.38%
Profit per employee	$129,247
Profitable quarters	10
Profitable years	3
Revenue per employee	$1.8M
ROA	2.28%
ROA (5Y)	1.06%
ROCE	12.55%
ROE	11.18%
ROE (5Y)	5.73%
ROIC	10.42%
ROIC (5Y)	5.41%
Tax / revenue	1.72%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-18.76%
EPS growth (Q)	30.3%
EPS growth (QoQ)	93.98%
EPS growth 10Y	6.37%
EPS growth 3Y	489.08%
EPS growth 5Y	1.68%
EPS growth quarters	1
EPS growth years	3
FCF growth	-25.92%
FCF growth (Q)	-51.37%
FCF growth (QoQ)	-70.75%
FCF growth 3Y	8.97%
FCF growth 5Y	-12.24%
Net income growth	-14.17%
Net income growth (Q)	32.25%
Net income growth (QoQ)	93.78%
Net income growth 3Y	515.85%
Net income growth 5Y	6.01%
Net income growth quarters	1
Net income growth years	3
OCF growth	-25.92%
OCF growth (Q)	-51.37%
OCF growth (QoQ)	-70.75%
OCF growth 10Y	-0.52%
OCF growth 3Y	8.93%
OCF growth 5Y	-12.26%
Revenue growth	-3.07%
Revenue growth (Q)	-2.44%
Revenue growth (QoQ)	2.17%
Revenue growth 10Y	3.86%
Revenue growth 3Y	2.66%
Revenue growth 5Y	3.86%
Revenue growth years	0

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-325
EBIT	$89M
EBITDA	$91.5M
EPS	$1.90
FCF per share	$1.57
Financing cash flow	$-18M
Free cash flow	$58.4M
Gross profit	$90.5M
Income taxes	$16.6M
Investing cash flow	$-74.1M
Net cash flow	$-33.7M
Net income	$71.1M
Operating income	$89M
Revenue	$963.2M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$17.94
Debt / EBITDA	0.38
Debt / equity	0.05
Debt / FCF	0.6
Goodwill	$5.6M
Interest coverage	65.92
Net cash (debt)	$-11.3M
Net cash / market cap	-1.63%
Net debt / EBITDA	0.12
Net debt / equity	0.02
Net debt / FCF	0.19
Piotroski F-Score	3
Property, plant and equipment	$1.1M
Shareholders' equity	$666.1M
Tangible book value	$659.5M
Tangible book value per share	$17.76
Total assets	$2.5B
Total cash	$50.3M
Total debt	$35M
Total liabilities	$1.8B
WACC	3.95%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.39
Current ratio	0.51
Net working capital	$-898M
Quick ratio	0.16
Working capital	$-874.3M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-5.64%
Dividend growth	5.56%
Dividend growth (10Y)	3.33%
Dividend growth (3Y)	4.03%
Dividend growth (5Y)	3.82%
Dividend growth years	24
Dividend payment date	2026-11-16
Dividend payment years	26
Dividend payout frequency	Quarterly
Dividend per share	$0.77
Dividend yield	4.13%
Ex-dividend date	2026-11-02
FCF payout ratio	48.95%
Last dividend	$0.19
Payout ratio	40.44%
Shareholder yield	-1.51%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	18.54%
10Y return CAGR	6.07%
10Y total return	80.3%
150-day SMA	$18.16
15Y price change	48.32%
15Y return CAGR	6.82%
15Y total return	169.15%
1D price change	-1.22%
1M price change	2.49%
1M total return	2.49%
1W price change	-1.23%
1W total return	-1.23%
1Y price change	-3.79%
1Y return CAGR	0.21%
1Y total return	0.21%
20-day SMA	$18.50
200-day SMA	$18.13
20Y price change	-8.13%
20Y return CAGR	3.31%
20Y total return	91.88%
3M price change	-1.96%
3M total return	-0.99%
3Y price change	31.3%
3Y return CAGR	14.42%
3Y total return	49.81%
50-day SMA	$18.70
50-day SMA vs 200-day SMA	50over200
52-week high	$21.06
52-week high date	2025-12-19
52-week low	$16.11
52-week low date	2026-05-04
5Y price change	27.16%
5Y return CAGR	9.71%
5Y total return	58.91%
6M price change	4.51%
6M total return	6.76%
All-time high	$23.00
All-time high date	2008-09-19
All-time low	$4.64
All-time low date	2001-04-20
Average true range (ATR)	$0.45
Average volume	102.7K
Beta (1Y)	0.07
Beta (2Y)	0.26
Beta (5Y)	-0.05
Change from 52-week high	-11.63%
Change from 52-week low	15.52%
Change from all-time high	-19.39%
Change from all-time low	299.48%
Change from open	-1.12%
Day's gap	-0.11%
Dollar volume	$1.5M
High price	$18.82
Low price	$18.58
Monthly RSI	53.54
Open price	$18.82
Position in 52-week range	12.5%
Previous close	$18.84
Price vs 150-day SMA	2.09%
Price vs 20-day SMA	0.24%
Price vs 200-day SMA	2.26%
Price vs 50-day SMA	-0.86%
Relative volume	0.8
RSI	48.87
Sharpe ratio	-0.06
Sharpe ratio (3Y)	0.52
Sharpe ratio (5Y)	0.34
Sortino ratio	0.17
Sortino ratio (3Y)	1.01
Sortino ratio (5Y)	0.74
Volume	82.5K
Weekly RSI	50.32
YTD price change	-7.21%
YTD total return	-4.29%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	17.4M
Float percentage	46.97%
Shares change (QoQ)	-0.1%
Shares change (YoY)	5.64%
Shares held by insiders	1.46%
Shares held by institutions	39.3%
Shares outstanding	37.1M
Short % of float	4.46%
Short % of shares	2.1%
Short ratio	6.9 days

Deeper analysis on DGICA

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this DGICA report

Is a complete DGICA research report available?

No complete published report is available for Donegal Group Inc. (DGICA) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Donegal Group Inc. (DGICA)

Price

Financial snapshot

Fair-value bridge

Latest news · DGICA

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DGICA indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on DGICA

Frequently asked questions