Donegal Group (DGICA) Stock Price, News & Analysis

Company Overview

Donegal Group, Inc. (NASDAQ: DGICA) is a property and casualty insurance holding company headquartered in Marietta, Pennsylvania. Through a network of independent agencies, the company offers a suite of personal and commercial insurance products. Its underwriting subsidiaries provide homeowners, automobile, farmowner, commercial multi-peril, surety and umbrella coverages designed to meet the needs of individuals, families and businesses.

The company’s origins date back to 1925 with the formation of Donegal Mutual Insurance Company to serve rural communities in Pennsylvania. In 1986, a mutual holding company structure was adopted to support expansion and diversification, leading to the establishment of Donegal Group, Inc. Over time, Donegal has added subsidiaries such as Atlantic States Insurance Company and DCI Mutual Insurance Company to broaden its geographic and product reach.

Donegal Group focuses on regional underwriting authority, empowering local management teams to tailor products and pricing to market conditions. While its core footprint remains in the Mid-Atlantic and Northeastern United States, the company has extended operations into select Midwestern and Southern states. Donegal’s decentralized model and agency distribution strategy aim to foster strong local partnerships and responsive customer service across its operating regions.

Key Stats

• Today's Range: $19.15 to $19.69
• 50-Day Range: $16.75 to $19.72
• 52-Week Range: $14.06 to $21.12
• Volume: 214,676 shs
• Average Volume: 132,502 shs
• Market Capitalization: $702.45 million
• P/E Ratio: 8.08
• Dividend Yield: 3.79%
• Price Target: $18.00
• Consensus Rating: Buy

Donegal Group Stock Analysis - MarketRank™

Donegal Group scored higher than 79% of companies evaluated by MarketBeat, and ranked 354th out of 956 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.9 / 5
• Analyst Rating: Buy

Consensus Rating

Donegal Group has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Downside Risk

Donegal Group has a consensus price target of $18.00, representing about 6.4% downside from its current price of $19.24.

Amount of Analyst Coverage

Donegal Group has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 16.67%

Earnings Growth

Earnings for Donegal Group are expected to grow by 16.67% in the coming year, from $1.20 to $1.40 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Donegal Group is 8.08, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.44.

Price to Earnings Ratio vs. Sector

The P/E ratio of Donegal Group is 8.08, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 244.65.

Price to Book Value per Share Ratio

Donegal Group has a P/B Ratio of 1.26. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.62% of the float of Donegal Group has been sold short.

Short Interest Ratio / Days to Cover

Donegal Group has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Donegal Group has recently increased by 1.49%, indicating that investor sentiment is decreasing.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

Donegal Group is a leading dividend payer. It pays a dividend yield of 3.75%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Donegal Group has been increasing its dividend for 5 years.

Dividend Coverage

The dividend payout ratio of Donegal Group is 30.67%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Donegal Group will have a dividend payout ratio of 52.14% next year. This indicates that Donegal Group will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.62% of the float of Donegal Group has been sold short.

Short Interest Ratio / Days to Cover

Donegal Group has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Donegal Group has recently increased by 1.49%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 4.4 / 5
• News Sentiment: 1.88

News Sentiment

Donegal Group has a news sentiment score of 1.88. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.08 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 19 news articles for Donegal Group this week, compared to 4 articles on an average week.

Search Interest

23 people have searched for DGICA on MarketBeat in the last 30 days. This is an increase of 2,200% compared to the previous 30 days.

MarketBeat Follows

2 people have added Donegal Group to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Donegal Group insiders have bought 4,932.99% more of their company's stock than they have sold. Specifically, they have bought $3,965,746.00 in company stock and sold $78,795.00 in company stock.

Percentage Held by Insiders

Only 3.48% of the stock of Donegal Group is held by insiders.

Percentage Held by Institutions

Only 27.96% of the stock of Donegal Group is held by institutions.

DGICA Stock Analysis - Frequently Asked Questions

How have DGICA shares performed this year?

Donegal Group's stock was trading at $15.47 at the beginning of 2025. Since then, DGICA shares have increased by 24.4% and is now trading at $19.24.

How were Donegal Group's earnings last quarter?

Donegal Group, Inc. (NASDAQ:DGICA) released its quarterly earnings results on Thursday, July, 24th. The insurance provider reported $0.43 EPS for the quarter, beating analysts' consensus estimates of $0.36 by $0.07. The insurance provider had revenue of $233.81 million for the quarter, compared to analyst estimates of $247.21 million. Donegal Group had a trailing twelve-month return on equity of 14.33% and a net margin of 8.33%.

Who are Donegal Group's major shareholders?

Donegal Group's top institutional investors include Geode Capital Management LLC (1.13%), Connor Clark & Lunn Investment Management Ltd. (0.99%), ProShare Advisors LLC (0.88%) and Kennedy Capital Management LLC (0.57%). Insiders that own company stock include Mutual Insurance Co Donegal, Sewell Trezevant Moore Jr, Jeffrey Dean Miller, Daniel J Wagner, David Benjamin Bawel, Barry C Huber, Kevin Gerard Burke, Richard D Wampler II, Jon Marshall Mahan, Vincent Anthony Viozzi, Sanjay Pandey, Jeffery Tim Hay, Christina Marie Hoffman, David Charles King, Noland Rone Deas Jr, David Wayne Sponic, William Daniel Delamater, William Albert Folmar, Robert Richard Long Jr and Kristi Spencer Altshuler.
View institutional ownership trends.

How do I buy shares of Donegal Group?

Shares of DGICA stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Last Earnings: 7/24/2025
• Record date for 8/15 Dividend: 8/01/2025
• Ex-Dividend for 8/15 Dividend: 8/01/2025
• Dividend Payable: 8/01/2025
• Dividend Payable: 8/15/2025
• Record date for 8/1 Dividend: 8/15/2025
• Today: 9/15/2025
• Next Earnings (Estimated): 10/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: INS - PROP&CASLTY
• Sub-Industry: Property & Casualty Insurance
• Current Symbol: NASDAQ:DGICA
• CIK: 800457
• Web: www.donegalgroup.com
• Phone: (800) 877-0600
• Fax: 302-736-9883
• Employees: 880
• Year Founded: 1889

Price Target and Rating

• Average Price Target for Donegal Group: $18.00
• High Price Target: $18.00
• Low Price Target: $18.00
• Potential Upside/Downside: -6.4%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.38
• Trailing P/E Ratio: 8.08
• Forward P/E Ratio: 16.03
• P/E Growth: N/A
• Net Income: $50.86 million
• Net Margins: 8.33%
• Pretax Margin: 10.23%
• Return on Equity: 14.33%
• Return on Assets: 3.41%

Debt

• Debt-to-Equity Ratio: 0.06
• Current Ratio: 0.40
• Quick Ratio: 0.40

Sales & Book Value

• Annual Sales: $989.60 million
• Price / Sales: 0.71
• Cash Flow: $1.41 per share
• Price / Cash Flow: 13.65
• Book Value: $15.33 per share
• Price / Book: 1.26

Miscellaneous

• Outstanding Shares: 36,510,000
• Free Float: 35,238,000
• Market Cap: $702.45 million
• Optionable: Optionable
• Beta: N/A