DGICA:NSD-Donegal Group A Inc (USD)

COMMON STOCK | Insurance - Property & Casualty |

Last Closing

USD 18.55

Change

+0.35 (+1.92)%

Market Cap

USD 0.58B

Volume

0.13M

Analyst Target

USD 17.75
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Donegal Group Inc., an insurance holding company, provides property and casualty insurance to businesses and individuals. It operates through three segments: Investment Function, Personal Lines of Insurance, and Commercial Lines of Insurance. The company offers private passenger automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents, as well as protection against loss from damage to automobiles; and homeowners policies, which provide coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft, as well as liability of the insured arising from injury to other persons or their property. Donegal Group Inc. also offers commercial automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents and protection against loss from damage to automobiles owned by the insured; commercial multi-peril policies that provide protection to businesses against combining liability and physical damage coverages; and workers' compensation policies, which provide benefits to employees for injuries sustained during employment. The company markets its insurance products primarily to Mid-Atlantic, Midwestern, New England, Southern, and Southwestern regions through independent insurance agencies. Donegal Group Inc. was incorporated in 1986 and is based in Marietta, Pennsylvania. Donegal Group Inc. operates as a subsidiary of Donegal Mutual Insurance Company.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2025-03-17 )

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DGICB Donegal Group B Inc

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USD 0.57B

ETFs Containing DGICA

N/A

Market Performance

  Market Performance vs. Industry/Classification (Insurance - Property & Casualty) Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 19.91% 88% B+ 90% A-
Dividend Return 1.12% 100% F 69% C-
Total Return 21.02% 88% B+ 90% A-
Trailing 12 Months  
Capital Gain 32.78% 63% D 84% B
Dividend Return 4.94% 88% B+ 78% C+
Total Return 37.72% 81% B- 85% B
Trailing 5 Years  
Capital Gain 52.93% 64% D 53% F
Dividend Return 26.96% 100% F 68% D+
Total Return 79.88% 64% D 56% F
Average Annual (5 Year Horizon)  
Capital Gain -0.64% 27% F 37% F
Dividend Return 3.12% 27% F 44% F
Total Return 3.76% 63% D 76% C+
Risk Return Profile  
Volatility (Standard Deviation) 12.96% 87% B+ 86% B+
Risk Adjusted Return 24.06% 33% F 57% F
Market Capitalization 0.58B 36% F 65% D

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.