Donegal Group/$DGICA
1D1W1MYTD1Y5YMAX
Capital at risk
About Donegal Group
Donegal Group Inc is an insurance holding company whose insurance subsidiaries and affiliates offer property and casualty insurance in 21 Mid-Atlantic, Midwestern, Southern, and Southwestern states. It includes three segments: Investments Function, Commercial Lines of Insurance, and Personal Lines of Insurance. The majority of revenue is from the commercial Lines segment. The commercial Lines segment consists mainly of commercial automobile, commercial multi-peril, and workers' compensation policies.
- Ticker
- $DGICA
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- -
- Headquarters
- Marietta, United States
- Website
- www.donegalgroup.com
Donegal Group Metrics
BasicAdvanced
$725M
9.98
$1.90
-0.03
$0.75
4.05%
Price and volume
Market cap
$725M
Beta
-0.03
52-week high
$21.06
52-week low
$16.11
Average daily volume
114K
Dividend rate
$0.75
Financial strength
Current ratio
0.507
Quick ratio
0.152
Long term debt to equity
0.053
Total debt to equity
0.053
Dividend payout ratio (TTM)
37.76%
Interest coverage (TTM)
65.92%
Profitability
EBITDA (TTM)
91.887
Gross margin (TTM)
9.40%
Net profit margin (TTM)
7.38%
Operating margin (TTM)
9.24%
Effective tax rate (TTM)
18.92%
Management effectiveness
Return on assets (TTM)
2.28%
Return on equity (TTM)
11.18%
Valuation
Price to earnings (TTM)
9.979
Price to revenue (TTM)
0.727
Price to book
1.09
Price to tangible book (TTM)
1.1
Price to free cash flow (TTM)
11.989
Free cash flow yield (TTM)
8.34%
Free cash flow per share (TTM)
1.585
Dividend yield (TTM)
3.95%
Forward dividend yield
4.05%
Growth
Revenue change (TTM)
-3.07%
Earnings per share change (TTM)
-18.76%
3-year revenue growth (CAGR)
2.66%
10-year revenue growth (CAGR)
3.86%
3-year earnings per share growth (CAGR)
489.08%
10-year earnings per share growth (CAGR)
6.37%
3-year dividend per share growth (CAGR)
3.63%
10-year dividend per share growth (CAGR)
3.15%
Bulls say / Bears say
Donegal’s second-quarter underwriting improved: the combined ratio fell to 95.6% from 97.7%, while net income rose 32.3% and annualised return on equity reached 13.6%. Lower weather losses and favourable claims development outweighed higher large-fire losses. (Donegal Group)
Investment income is becoming a stronger earnings support. Second-quarter net investment income rose 15.6% to $14.5 million, helping book value per share reach $17.98 at June 30, up 3.8% from year-end. (Donegal Group)
The balance sheet offers meaningful protection against shocks. AM Best affirmed an A (Excellent) financial-strength rating with a stable outlook, citing strongest-level risk-adjusted capitalisation, a high-quality investment portfolio, stable reserves and comprehensive reinsurance. (AM Best)
Growth remains weak, especially in personal lines. Second-quarter net premiums earned fell 4.0%, personal-lines net premiums written dropped 9.7%, and first-half net income declined 19.6% despite the better quarterly result. (Donegal Group)
Underlying earnings are exposed to claims volatility and favourable comparisons. First-quarter weather and large-fire losses pushed the combined ratio to 99.8%, while the second-quarter recovery benefited from below-average weather losses and more favourable reserve development; large-fire losses still increased. (Donegal Group, Donegal Group)
A softening insurance market is making profitable growth harder. Management said increased industry capital was encouraging competitors to cut rates, while lower renewal increases and retention levels, together with a higher second-quarter expense ratio of 35.8%, are pressuring margins. (Donegal Group, Donegal Group)
Data summarised monthly by Lightyear AI. Last updated on 17 Sept 2026.
Upcoming events
No upcoming events
Funds containing Donegal Group
AllEURGBP
Fund name | Fund size | $DGICA weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.01% |
SPDR MSCI All Country World IM€SPYI | €7.5B | 0.00% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.00% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.00% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.