(DGICA) Donegal - Ratings and Ratios
Commercial, Auto, Liability, Property, Casualty, Business, Personal
DGICA EPS (Earnings per Share)
DGICA Revenue
Description: DGICA Donegal
Donegal Group A Inc (NASDAQ:DGICA) is a property and casualty insurance holding company that provides a range of insurance products to individuals and businesses through a network of independent agents, primarily in the Mid-Atlantic, Midwest, Southern, and Southwestern United States. The companys insurance offerings include commercial and personal lines of property and casualty coverages, such as automobile, liability, and property damage insurance, as well as workers compensation and homeowners insurance.
The companys business model is centered around its three main segments: Investment Function, Commercial Lines of Insurance, and Personal Lines of Insurance. This diversified approach allows Donegal Group to manage risk and capitalize on opportunities across different markets and product lines. With a strong presence in the regional insurance market, the company has established a reputation for providing tailored insurance solutions to its customers.
From a financial perspective, Donegal Groups market capitalization stands at $674.89 million, with a forward P/E ratio of 16.00, indicating a moderate growth outlook. The companys return on equity (RoE) is 13.18%, suggesting a relatively strong profitability profile. With a history dating back to 1986, Donegal Group has demonstrated its ability to navigate the complexities of the insurance industry and adapt to changing market conditions.
Analyzing the technical data, Donegal Groups stock price is currently at $19.35, with a 20-day SMA of $19.51 and a 50-day SMA of $19.42, indicating a relatively stable short-term trend. The 200-day SMA is $16.57, suggesting a longer-term uptrend. Using these technical indicators, along with the fundamental data, a forecast for Donegal Groups stock price could be made. Assuming the company continues to perform in line with its historical averages and industry trends, a potential price target could be around $22-25 in the next 6-12 months, representing a 13-29% increase from current levels.
Based on the analysis, Donegal Groups strengths include its diversified business model, strong regional presence, and moderate growth outlook. However, the company also faces challenges such as intense competition in the insurance industry and potential risks associated with its investment portfolio. To mitigate these risks, Donegal Group may need to continue to adapt its business strategy and product offerings to stay competitive and capitalize on emerging opportunities.
DGICA Stock Overview
| Market Cap in USD | 652m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 2001-04-24 |
DGICA Stock Ratings
| Growth Rating | 81.0% |
| Fundamental | 74.0% |
| Dividend Rating | 67.6% |
| Return 12m vs S&P 500 | 10.1% |
| Analyst Rating | 3.0 of 5 |
DGICA Dividends
| Dividend Yield 12m | 3.90% |
| Yield on Cost 5y | 6.24% |
| Annual Growth 5y | 2.95% |
| Payout Consistency | 100.0% |
| Payout Ratio | 30.9% |
DGICA Growth Ratios
| Growth Correlation 3m | -13.8% |
| Growth Correlation 12m | 75.8% |
| Growth Correlation 5y | 79.8% |
| CAGR 5y | 15.97% |
| CAGR/Max DD 3y | 0.85 |
| CAGR/Mean DD 3y | 2.68 |
| Sharpe Ratio 12m | -0.15 |
| Alpha | 0.27 |
| Beta | 0.069 |
| Volatility | 22.78% |
| Current Volume | 101.6k |
| Average Volume 20d | 118.5k |
| Stop Loss | 18.5 (-3.4%) |
| Signal | -0.09 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (82.8m TTM) > 0 and > 6% of Revenue (6% = 59.6m TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA 2.05pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -3437 % (prev -71.75%; Δ -3366 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 78.8m <= Net Income 82.8m (YES >=105%, WARN >=100%) |
| Current Ratio 0.03 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (36.4m) change vs 12m ago 8.78% (target <= -2.0% for YES) |
| Gross Margin 82.77% (prev 99.99%; Δ -17.22pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 41.91% (prev 41.17%; Δ 0.75pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 62.65 (EBITDA TTM 84.9m / Interest Expense TTM 1.31m) >= 6 (WARN >= 3) |
Altman Z'' -92.31
| (A) -14.19 = (Total Current Assets 1.19b - Total Current Liabilities 35.36b) / Total Assets 2.41b |
| (B) 0.12 = Retained Earnings (Balance) 280.5m / Total Assets 2.41b |
| (C) 0.03 = EBIT TTM 81.9m / Avg Total Assets 2.37b |
| (D) 0.16 = Book Value of Equity 280.5m / Total Liabilities 1.80b |
| Total Rating: -92.31 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 74.01
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 3.32% = 1.66 |
| 3. FCF Margin 7.93% = 1.98 |
| 4. Debt/Equity 2.94 = -0.69 |
| 5. Debt/Ebitda 21.01 = -2.50 |
| 6. ROIC - WACC (= 9.49)% = 11.87 |
| 7. RoE 14.73% = 1.23 |
| 8. Rev. Trend 92.33% = 6.92 |
| 9. EPS Trend 80.75% = 4.04 |
What is the price of DGICA shares?
Over the past week, the price has changed by +0.26%, over one month by +11.92%, over three months by +1.45% and over the past year by +30.45%.
Is Donegal a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of DGICA is around 21.52 USD . This means that DGICA is currently undervalued and has a potential upside of +12.38% (Margin of Safety).
Is DGICA a buy, sell or hold?
- 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 | 20.5 | 7% |
| Analysts Target Price | 20.5 | 7% |
| ValueRay Target Price | 22.7 | 18.6% |
Last update: 2025-09-05 04:39
DGICA Fundamental Data Overview
CCE Cash And Equivalents = 57.4m USD (Cash only, last quarter)
P/E Trailing = 7.6946
P/E Forward = 16.0
P/S = 0.656
P/B = 1.1085
P/EG = 3.06
Beta = -0.008
Revenue TTM = 994.0m USD
EBIT TTM = 81.9m USD
EBITDA TTM = 84.9m USD
Long Term Debt = 1.75b USD (from nonCurrentLiabilitiesTotal, last fiscal year)
Short Term Debt = 35.0m USD (from shortLongTermDebt, last quarter)
Debt = 1.78b USD (Calculated: Short Term 35.0m + Long Term 1.75b)
Net Debt = -17.93b USD (from netDebt column, last fiscal year)
Enterprise Value = 2.38b USD (651.8m + Debt 1.78b - CCE 57.4m)
Interest Coverage Ratio = 62.65 (Ebit TTM 81.9m / Interest Expense TTM 1.31m)
FCF Yield = 3.32% (FCF TTM 78.8m / Enterprise Value 2.38b)
FCF Margin = 7.93% (FCF TTM 78.8m / Revenue TTM 994.0m)
Net Margin = 8.33% (Net Income TTM 82.8m / Revenue TTM 994.0m)
Gross Margin = 82.77% ((Revenue TTM 994.0m - Cost of Revenue TTM 171.3m) / Revenue TTM)
Tobins Q-Ratio = 8.48 (Enterprise Value 2.38b / Book Value Of Equity 280.5m)
Interest Expense / Debt = 0.02% (Interest Expense 337.0k / Debt 1.78b)
Taxrate = 18.41% (11.5m / 62.3m)
NOPAT = 66.8m (EBIT 81.9m * (1 - 18.41%))
Current Ratio = 0.03 (Total Current Assets 1.19b / Total Current Liabilities 35.36b)
Debt / Equity = 2.94 (Debt 1.78b / last Quarter total Stockholder Equity 605.7m)
Debt / EBITDA = 21.01 (Net Debt -17.93b / EBITDA 84.9m)
Debt / FCF = 22.62 (Debt 1.78b / FCF TTM 78.8m)
Total Stockholder Equity = 562.4m (last 4 quarters mean)
RoA = 3.44% (Net Income 82.8m, Total Assets 2.41b )
RoE = 14.73% (Net Income TTM 82.8m / Total Stockholder Equity 562.4m)
RoCE = 3.54% (Ebit 81.9m / (Equity 562.4m + L.T.Debt 1.75b))
RoIC = 11.18% (NOPAT 66.8m / Invested Capital 597.4m)
WACC = 1.69% (E(651.8m)/V(2.43b) * Re(6.27%)) + (D(1.78b)/V(2.43b) * Rd(0.02%) * (1-Tc(0.18)))
Shares Correlation 3-Years: 71.76 | Cagr: 1.06%
Discount Rate = 6.27% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈58.7m ; Y1≈38.6m ; Y5≈17.6m
Fair Price DCF = 11.20 (DCF Value 346.6m / Shares Outstanding 30.9m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 80.75 | EPS CAGR: 307.6% | SUE: 0.14 | # QB: 0
Revenue Correlation: 92.33 | Revenue CAGR: 5.59% | SUE: N/A | # QB: None
Additional Sources for DGICA Stock
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Fund Manager Positions: Dataroma | Stockcircle