Donegal Group Inc. DGICA R2KR3KFINANCIAL
Company Overview
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. It provides 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 private passenger automobile; and coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft. The company markets its insurance products primarily to Mid-Atlantic, Midwest, Southern, and Southwestern states through a network of independent insurance agents. The company was incorporated in 1986 and is based in Marietta, Pennsylvania. Donegal Group Inc. operates as a subsidiary of Donegal Mutual Insurance Company.
Why Investors Should Care
Net profit has compounded at 10.1% per year over the last five years.
Trades at a P/E of 9.8, below the sector median of 13.6.
Carries low leverage with a debt-to-equity ratio of 0.05.
Offers a dividend yield of 4.22%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $978.01M (-1.2% YoY); net profit $79.34M.
- Trailing 12 Months Year-on-year growth — revenue -2.4%, earnings +30.3%.
- 5-Year Trend Long-term compounding — revenue CAGR 6.4%, profit CAGR 10.1%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 6.38% |
| 1 Year: | -2.40% |
Compounded Profit Growth
| 5 Years: | 10.06% |
| 1 Year: | 30.30% |
Stock Price Performance
| 1 Year: | +11.20% |
| 6 Months: | +8.44% |
| 3 Months: | +0.51% |
| 1 Month: | +5.02% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)54.58 · Neutral
P/E of 9.80 is below the sector median of 13.55 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Profit CAGR of 10.1% over 5 years.
- Attractive dividend yield of 4.22%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | DGICA Donegal Group Inc. R2KR3KFINANCIAL | 18.82 | 9.80 | $592.32M | 4.22% | - | 11.18% | 6.38% | 10.06% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 158.02M | 159.80M | 163.80M | 166.07M | 169.85M | 175.31M | 177.20M | 178.97M | 183.58M | 185.72M | 190.76M | 189.33M | 195.79M | 199.90M | 186.81M | 214.71M | 198.79M | 198.01M | 200.94M | 184.91M | 198.90M | 196.51M | 197.50M | 197.97M | 205.15M | 203.11M | 207.63M | 204.31M | 212.84M | 224.75M | 229.20M | 233.93M | 241.14M | 246.77M | 251.74M | 245.17M | 247.15M | 245.92M | 236.00M | 241.12M |
| Net Income | 6.47M | 5.69M | 1.98M | 11.85M | 8.58M | 4.81M | 5.55M | 5.10M | -2.32M | 7.11M | -2.78M | -18.18M | -789.86K | 1.21M | -15.00M | 23.02M | 4.79M | 5.19M | 14.15M | 3.73M | 22.68M | 11.84M | 14.57M | 10.53M | 16.16M | -6.71M | 13.15M | -8.21M | -10.38M | 5.20M | 2.00M | -805.30K | 5.96M | 4.15M | 16.75M | 25.21M | 16.87M | 20.08M | 11.51M | 22.31M |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 386.73M | 408.55M | 475.02M | 514.98M | 547.11M | 586.55M | 636.39M | 688.42M | 739.03M | 771.83M | 812.45M | 777.82M | - | 848.22M | 927.34M | 989.61M | 978.01M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | -3.02M | 5.68M | 63.28M | 98.94M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | 620.56K | 619.81K | 946.02K | 1.35M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | -3.64M | 5.06M | 62.34M | 97.59M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | -1.68M | 637.97K | 11.48M | 18.25M |
| Net Income | 18.83M | 11.47M | 452.95K | 23.09M | 26.32M | 14.54M | 20.99M | 30.80M | 7.12M | -32.76M | 47.15M | 52.82M | - | -1.96M | 4.43M | 50.86M | 79.34M |
| Diluted EPS | - | - | - | - | - | - | - | - | - | - | - | - | - | -0.06 | 0.11 | 1.53 | 2.18 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 1.17B | 1.29B | 1.34B | 1.39B | 1.46B | 1.54B | 1.62B | 1.74B | 1.83B | 1.92B | 2.16B | 2.26B | 2.24B | 2.27B | 2.34B | 2.39B |
| Total Equity | 363.58M | 385.51M | 380.10M | 383.45M | 400.03M | 396.88M | 416.13M | 408.39M | 438.62M | 448.70M | 398.87M | 451.02M | 517.77M | 531.04M | 483.59M | 479.75M | 545.78M | 640.42M |
| Total Liabilities | - | - | 794.52M | 907.34M | 936.86M | 988.53M | 1.04B | 1.13B | 1.18B | 1.29B | 1.43B | 1.47B | 1.64B | 1.72B | 1.76B | 1.79B | 1.79B | 1.75B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 34.10M | 22.00M | 21.08M | 24.96M | 46.01M | - | - | 60.03M | 81.00M | 63.78M | 76.36M | 101.13M | 76.73M | 67.11M | 28.62M | 67.44M | 70.20M |
| Investing Cash Flow | -13.00M | -43.19M | -31.11M | -4.76M | -28.07M | - | - | -51.32M | -58.44M | -37.61M | -43.38M | -99.68M | -62.20M | -98.50M | -16.71M | -48.04M | -91.13M |
| Financing Cash Flow | -10.01M | 24.60M | 6.93M | -13.65M | -10.10M | - | - | -12.26M | -9.31M | -11.41M | -36.26M | 52.32M | -59.92M | -1.20M | -13.25M | 9.73M | -5.21M |
| Capital Expenditure | -941.02K | -651.16K | -238.54K | -744.08K | -1.25M | -2.13M | -151.54K | - | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | 33.16M | 21.35M | 20.84M | 24.22M | 44.75M | - | - | - | - | - | - | - | - | - | - | - | - |
| Share Buybacks | 393.64K | 145.69K | 1.54M | 1.93M | 376.46K | 12.03K | 28.12M | - | - | - | - | - | - | - | - | - | - |
| Dividends Paid | - | - | - | - | - | - | - | - | - | - | - | - | - | 20.50M | 21.89M | 22.70M | 25.67M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | -0.4% | 0.6% | 6.4% | 10.1% |
| Net Margin % | 4.9% | 2.8% | 0.1% | 4.5% | 4.8% | 2.5% | 3.3% | 4.5% | 1.0% | -4.2% | 5.8% | 6.8% | - | -0.2% | 0.5% | 5.1% | 8.1% |
| ROE % | 4.9% | 3.0% | 0.1% | 5.8% | 6.6% | 3.5% | 5.1% | 7.0% | 1.6% | -8.2% | 10.5% | 10.2% | - | -0.4% | 0.9% | 9.3% | 12.4% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 6.88% | 2.17M | $39.55M |
| 2 | Dimensional Fund Advisors LP | 5.74% | 1.81M | $32.98M |
| 3 | Vanguard Capital Management LLC | 2.24% | 706.71K | $12.88M |
| 4 | Geode Capital Management, LLC | 1.89% | 596.55K | $10.88M |
| 5 | American Century Companies Inc | 1.49% | 469.88K | $8.57M |
| 6 | Old Republic International Corp | 1.35% | 425.50K | $7.76M |
| 7 | State Street Corporation | 1.29% | 406.60K | $7.41M |
| 8 | Renaissance Technologies, LLC | 1.14% | 359.91K | $6.56M |
| 9 | Morgan Stanley | 1.05% | 330.68K | $6.03M |
| 10 | Connor Clark & Lunn Investment Management Ltd | 1.02% | 322.29K | $5.88M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for DGICA
Donegal Group (DGICA) Surpasses Q2 Earnings Estimates - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMingFBVV95cUxPNHM4ckVxdV9vanFwS21qOTltUUdoa2IzMUpzc2RPcFVFVHFldmlmQ005d0hFOEF2MEo3cTJFLW9HbkRLU2pNUWxmSE5hR2pNR211TFlYaHBLeld1ZERRbTZoeDhNelh6WE5qemFtbVVIVEQ3Q25OVngwT0tla3BVdlFnWHEwNFRNVmtKYk…
Donegal Faces A Quality Test As Weather And Reserve Tailwinds Fade In Q3 - Finviz
<a href="https://news.google.com/rss/articles/CBMipgFBVV95cUxQb1pPdkFPcE5XTzB4MURZUEp4anlBTnM3V3ExR0dwZ2czT0V3bUNVZzlyZElMT2RqM0duU01IU0VpZUZIQ1BvZDFHSWVqdC1CRFlvQVBHM3B5QVRvUXA3TWNQTk5UXzhSaS1sbHdTd0RVeWEtdW94VjlNZnZYY2tWSlJ3YmRTdHp3Z01rdT…
How Donegal Group Inc. Class A Common Stock (DGICA) Affects Rotational Strategy Timing - Stock Traders Daily
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Donegal Group (DGICA) Expected to Release Earnings on Thursday - MarketBeat
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Donegal Group Announces Quarterly Cash Dividends for Class A and B Shares - TradingView
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Donegal Mutual Insurance Co, 10% owner, buys $369,198 of DGICA - Investing.com
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DGICA — Frequently Asked Questions
What is the current share price of Donegal Group Inc. (DGICA)?
As of 2026-10-23 16:27 PDT, Donegal Group Inc. (DGICA) trades at $18.82 on NasdaqGS. Its 52-week range is $16.16 to $20.31.
What is the market capitalisation of DGICA?
Donegal Group Inc. (DGICA) has a market capitalisation of $592.32M on NasdaqGS.
What is the P/E ratio of DGICA?
DGICA trades at a trailing price-to-earnings (P/E) ratio of 9.80. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.02.
Does DGICA pay a dividend?
Donegal Group Inc. (DGICA) currently offers a dividend yield of 4.22%.
What is the return on equity (ROE) of DGICA?
DGICA has a return on equity (ROE) of 11.18%.
Is DGICA a good stock to buy?
This page provides a data-driven analysis of Donegal Group Inc. (DGICA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.