(DGICA) Donegal - Ratings and Ratios
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US2577012014
Automobile, Property, Casualty, Commercial, Personal
Dividends
| Dividend Yield | 3.54% |
| Yield on Cost 5y | 6.38% |
| Yield CAGR 5y | 3.70% |
| Payout Consistency | 98.4% |
| Payout Ratio | 30.5% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 24.1% |
| Value at Risk 5%th | 34.8% |
| Relative Tail Risk | -12.05% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.98 |
| Alpha | 23.28 |
| CAGR/Max DD | 1.00 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.452 |
| Beta | 0.298 |
| Beta Downside | 0.226 |
| Drawdowns 3y | |
|---|---|
| Max DD | 18.84% |
| Mean DD | 6.16% |
| Median DD | 6.06% |
Description: DGICA Donegal October 22, 2025
Donegal Group Inc. (NASDAQ:DGICA) is a U.S. insurance holding company that underwrites commercial and personal property-and-casualty (P&C) policies through three operating segments: an Investment Function, Commercial Lines, and Personal Lines.
The Commercial Lines segment provides liability and physical-damage coverage for commercial auto fleets and business property, while the Personal Lines segment offers auto, homeowners, and renters insurance to individuals. The company distributes its products primarily via independent agents across the Mid-Atlantic, Midwest, Southern, and Southwestern states.
Key industry metrics that influence DGICA’s performance include its combined ratio-currently around 92% in 2023, indicating underwriting profitability-and a 5% year-over-year premium growth driven by rising auto rates and increased demand for commercial coverage. Additionally, the firm’s investment income is sensitive to the prevailing interest-rate environment, a sector-wide driver that can materially affect net earnings.
For a deeper dive into DGICA’s valuation and risk profile, consider exploring the detailed analysis available on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income (86.2m TTM) > 0 and > 6% of Revenue (6% = 59.3m TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA 1.23pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -4791 % (prev -47.50%; Δ -4743 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 88.4m > Net Income 86.2m (YES >=105%, WARN >=100%) |
| Net Debt (-3.57m) to EBITDA (111.2m) ratio: -0.03 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.00 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (31.1m) change vs 12m ago -6.06% (target <= -2.0% for YES) |
| Gross Margin 26.85% (prev 40.44%; Δ -13.60pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 47.64% (prev 56.71%; Δ -9.06pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 84.09 (EBITDA TTM 111.2m / Interest Expense TTM 1.28m) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 83.67
| 1. Piotroski 6.50pt |
| 2. FCF Yield 34.32% |
| 3. FCF Margin 8.95% |
| 4. Debt/Equity 0.06 |
| 5. Debt/Ebitda -0.03 |
| 6. ROIC - WACC (= 6.96)% |
| 7. RoE 14.58% |
| 8. Rev. Trend 93.13% |
| 9. EPS Trend 60.88% |
What is the price of DGICA shares?
As of December 14, 2025, the stock is trading at USD 20.36 with a total of 161,299 shares traded.
Over the past week, the price has changed by +5.11%, over one month by +2.93%, over three months by +5.54% and over the past year by +29.19%.
Over the past week, the price has changed by +5.11%, over one month by +2.93%, over three months by +5.54% and over the past year by +29.19%.
Is DGICA a buy, sell or hold?
Donegal has received a consensus analysts rating of 3.00.
Therefor, it is recommend to hold DGICA.
- Strong Buy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the DGICA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 21 | 3.1% |
| Analysts Target Price | 21 | 3.1% |
| ValueRay Target Price | 24.4 | 19.7% |
DGICA Fundamental Data Overview December 03, 2025
Market Cap USD = 735.0m (735.0m USD * 1.0 USD.USD)
P/E Trailing = 8.2213
P/E Forward = 16.0
P/S = 0.7441
P/B = 1.1756
P/EG = 3.06
Beta = 0.022
Revenue TTM = 988.2m USD
EBIT TTM = 107.6m USD
EBITDA TTM = 111.2m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 35.0m USD (from shortTermDebt, last quarter)
Debt = 35.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -3.57m USD (from netDebt column, last quarter)
Enterprise Value = 257.6m USD (735.0m + Debt 35.0m - CCE 512.4m)
Interest Coverage Ratio = 84.09 (Ebit TTM 107.6m / Interest Expense TTM 1.28m)
FCF Yield = 34.32% (FCF TTM 88.4m / Enterprise Value 257.6m)
FCF Margin = 8.95% (FCF TTM 88.4m / Revenue TTM 988.2m)
Net Margin = 8.72% (Net Income TTM 86.2m / Revenue TTM 988.2m)
Gross Margin = 26.85% ((Revenue TTM 988.2m - Cost of Revenue TTM 722.9m) / Revenue TTM)
Gross Margin QoQ = 26.83% (prev 22.95%)
Tobins Q-Ratio = 0.11 (Enterprise Value 257.6m / Total Assets 2.42b)
Interest Expense / Debt = 0.97% (Interest Expense 340.4k / Debt 35.0m)
Taxrate = 19.84% (4.97m / 25.0m)
NOPAT = 86.2m (EBIT 107.6m * (1 - 19.84%))
Current Ratio = 0.00 (Total Current Assets 38.6m / Total Current Liabilities 47.38b)
Debt / Equity = 0.06 (Debt 35.0m / totalStockholderEquity, last quarter 627.4m)
Debt / EBITDA = -0.03 (Net Debt -3.57m / EBITDA 111.2m)
Debt / FCF = -0.04 (Net Debt -3.57m / FCF TTM 88.4m)
Total Stockholder Equity = 590.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.56% (Net Income 86.2m / Total Assets 2.42b)
RoE = 14.58% (Net Income TTM 86.2m / Total Stockholder Equity 590.9m)
RoCE = 18.21% (EBIT 107.6m / Capital Employed (Equity 590.9m + L.T.Debt 0.0))
RoIC = 13.78% (NOPAT 86.2m / Invested Capital 625.9m)
WACC = 6.82% (E(735.0m)/V(770.0m) * Re(7.11%) + D(35.0m)/V(770.0m) * Rd(0.97%) * (1-Tc(0.20)))
Discount Rate = 7.11% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -3.41%
[DCF Debug] Terminal Value 77.06% ; FCFE base≈69.8m ; Y1≈64.4m ; Y5≈58.3m
Fair Price DCF = 33.72 (DCF Value 1.05b / Shares Outstanding 31.1m; 5y FCF grow -9.67% → 3.0% )
EPS Correlation: 60.88 | EPS CAGR: 41.89% | SUE: 0.30 | # QB: 0
Revenue Correlation: 93.13 | Revenue CAGR: 4.27% | SUE: 0.59 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.60 | Chg30d=-0.005 | Revisions Net=+1 | Analysts=2
EPS next Year (2026-12-31): EPS=1.98 | Chg30d=-0.025 | Revisions Net=-1 | Growth EPS=-4.8% | Growth Revenue=+0.9%
P/E Trailing = 8.2213
P/E Forward = 16.0
P/S = 0.7441
P/B = 1.1756
P/EG = 3.06
Beta = 0.022
Revenue TTM = 988.2m USD
EBIT TTM = 107.6m USD
EBITDA TTM = 111.2m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 35.0m USD (from shortTermDebt, last quarter)
Debt = 35.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -3.57m USD (from netDebt column, last quarter)
Enterprise Value = 257.6m USD (735.0m + Debt 35.0m - CCE 512.4m)
Interest Coverage Ratio = 84.09 (Ebit TTM 107.6m / Interest Expense TTM 1.28m)
FCF Yield = 34.32% (FCF TTM 88.4m / Enterprise Value 257.6m)
FCF Margin = 8.95% (FCF TTM 88.4m / Revenue TTM 988.2m)
Net Margin = 8.72% (Net Income TTM 86.2m / Revenue TTM 988.2m)
Gross Margin = 26.85% ((Revenue TTM 988.2m - Cost of Revenue TTM 722.9m) / Revenue TTM)
Gross Margin QoQ = 26.83% (prev 22.95%)
Tobins Q-Ratio = 0.11 (Enterprise Value 257.6m / Total Assets 2.42b)
Interest Expense / Debt = 0.97% (Interest Expense 340.4k / Debt 35.0m)
Taxrate = 19.84% (4.97m / 25.0m)
NOPAT = 86.2m (EBIT 107.6m * (1 - 19.84%))
Current Ratio = 0.00 (Total Current Assets 38.6m / Total Current Liabilities 47.38b)
Debt / Equity = 0.06 (Debt 35.0m / totalStockholderEquity, last quarter 627.4m)
Debt / EBITDA = -0.03 (Net Debt -3.57m / EBITDA 111.2m)
Debt / FCF = -0.04 (Net Debt -3.57m / FCF TTM 88.4m)
Total Stockholder Equity = 590.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.56% (Net Income 86.2m / Total Assets 2.42b)
RoE = 14.58% (Net Income TTM 86.2m / Total Stockholder Equity 590.9m)
RoCE = 18.21% (EBIT 107.6m / Capital Employed (Equity 590.9m + L.T.Debt 0.0))
RoIC = 13.78% (NOPAT 86.2m / Invested Capital 625.9m)
WACC = 6.82% (E(735.0m)/V(770.0m) * Re(7.11%) + D(35.0m)/V(770.0m) * Rd(0.97%) * (1-Tc(0.20)))
Discount Rate = 7.11% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -3.41%
[DCF Debug] Terminal Value 77.06% ; FCFE base≈69.8m ; Y1≈64.4m ; Y5≈58.3m
Fair Price DCF = 33.72 (DCF Value 1.05b / Shares Outstanding 31.1m; 5y FCF grow -9.67% → 3.0% )
EPS Correlation: 60.88 | EPS CAGR: 41.89% | SUE: 0.30 | # QB: 0
Revenue Correlation: 93.13 | Revenue CAGR: 4.27% | SUE: 0.59 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.60 | Chg30d=-0.005 | Revisions Net=+1 | Analysts=2
EPS next Year (2026-12-31): EPS=1.98 | Chg30d=-0.025 | Revisions Net=-1 | Growth EPS=-4.8% | Growth Revenue=+0.9%
Additional Sources for DGICA Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle