Donegal Insurance/$DGICB

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About Donegal Insurance

Donegal Group Inc is an insurance holding company that offers businesses and individuals personal and commercial lines of property and casualty insurance. The company's reportable segments are its Investment function, Personal lines of insurance, and Commercial lines of insurance. Personal lines products consist mainly of homeowners and private passenger automobile policies. The Commercial lines products of its insurance subsidiaries consist mainly of commercial automobile, commercial multi-peril, and workers' compensation policies. The group mainly operates in the United States.

Ticker

$DGICB
Sector
Primary listing

Employees

-

DGICB Metrics

BasicAdvanced
$675M
6.51
$2.34
-0.02
$0.64
4.33%

Bulls say / Bears say

Underwriting Discipline: Donegal’s first-quarter 2025 GAAP combined ratio improved to 91.6% from 102.4% in Q1 2024, driven by lower weather-related and large fire losses and favorable reserve development, underscoring strong underwriting execution (Investing.com).
Net Income Momentum: The company’s net income surged to $25.2 million in Q1 2025 (up 323% year-over-year) and $16.9 million in Q2 2025 (up 306% year-over-year), highlighting robust profitability growth across both quarters (Investing.com, Investing.com).
Capital and Credit Strength: A.M. Best affirmed Donegal Insurance Group’s Financial Strength Rating of A (Excellent) and issuer credit rating of “a”, reflecting very strong balance sheet strength and appropriate enterprise risk management (StreetInsider.com).
Top-line Pressure: Net premiums earned in Q2 2025 declined 1.1% to $231.8 million, driven by a 15.3% drop in personal lines net premiums written, signaling challenges in sustaining growth in personal insurance products (GlobeNewswire).
Catastrophe Exposure: Weather-related losses totaled $25.8 million in Q2 2025, representing 11.1 percentage points of the loss ratio—above the five-year quarterly average—highlighting earnings volatility from natural disaster events (GlobeNewswire).
Personal Lines Attrition Impact: Donegal intentionally reduced personal lines exposure, with Q1 2025 personal lines net premiums written down 9.9% year-over-year due to non-renewals and planned attrition, which may constrain future volume growth despite improving margins (Donegal investor release).
Data summarised monthly by Lightyear AI. Last updated on 9 Oct 2025.
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.

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