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Donegal Group Inc. (DGICA)

Financial Services | Insurance - Property & Casualty | Marietta, United States | NasdaqGS
19.14 USD +0.27 (1.431%) ⇧ (July 13, 2026, 4 p.m. EDT)
Short-term:★★⯪☆☆Long-term:★★⯪☆☆Dividends:★★★☆☆
Hot Take ↕ | July 11, 2026, 4:32 a.m. EDT

Donegal Group presents a classic value trap scenario where attractive metrics mask deteriorating operational reality. While the stock trades at a low P/E of roughly 10.6x and offers a 4% dividend yield, these figures are misleading given the company's sharp decline in core business performance. Revenue has contracted by 3.7% annually, and earnings have plummeted by 56%, indicating a severe loss of profitability rather than a temporary blip. The balance sheet is fragile, with a debt-to-equity ratio exceeding 5.4x and a current ratio below 0.5, leaving little room for error in a cyclical downturn. The recent price action shows a modest recovery, climbing from the $17.50 range to nearly $19.30 over the last two weeks, which has sparked some short-term optimism. However, this rally is occurring against a backdrop of a multi-year secular decline in the underlying business quality. The market has correctly priced in the structural issues, resulting in a low valuation that does not offer a true margin of safety when the fundamentals are so weak. The dividend, while yielding 4%, is paid on shrinking earnings and a shrinking book value, making its sustainability questionable if the insurance cycle continues to turn against the company. With no significant options flow to suggest a catalyst for a broader trend reversal, the prudent stance is to wait for clearer evidence of earnings stabilization before committing capital.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.032518
MSTL_1050.032842
MSTL0.033368
AutoETS0.034097
AutoARIMA0.034120
MSTL_700.048401
MSTL_70_1050.053546

Forecast horizon: 60 days | Selected: AutoTheta

Forecast Reliability
Score 48%
H-stat 5.90
Ljung-Box p 0.000
Jarque-Bera p 0.076
Excess Kurtosis -0.19
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-04-30
Last Dividend Date 2026-04-30
Debt to Equity Ratio 5.392
Revenue per Share 26.436
Market Cap 709,129,408
Trailing P/E 10.75
Forward P/E 10.21
Beta -0.03
Profit Margins 6.78%
Website https://www.donegalgroup.com

As of July 11, 2026, 4:32 a.m. EDT: Options activity is sparse and lacks clear directional conviction. Call volume is negligible across expirations, while put activity is minimal and scattered, with open interest concentrated in deep out-of-the-money strikes for September. Implied volatility remains extremely low (below 1.5%), suggesting a lack of speculative positioning or fear regarding immediate price moves. The market appears indifferent to near-term direction.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.18% 4.23% 4.51% 4.52%
Dividend History
Date Dividend Yield %
2026-05-01 0.193000 1.176112
2026-02-03 0.183000 0.973404
2025-11-03 0.183000 0.989189
2025-08-01 0.183000 1.092537
2025-05-01 0.183000 0.945248
2025-02-04 0.173000 1.170501
2024-11-01 0.173000 1.141914
2024-08-01 0.173000 1.235714
2024-05-07 0.173000 1.294910
2024-01-31 0.170000 1.132578
2023-10-31 0.170000 1.203966
2023-07-31 0.170000 1.166781
2023-04-28 0.170000 1.207386
2023-01-31 0.165000 1.086956
2022-10-31 0.165000 1.127049
2022-07-29 0.165000 1.165254
2022-04-29 0.165000 1.219512
2022-01-31 0.160000 1.114983
2021-10-29 0.160000 1.122807
2021-07-30 0.160000 1.034260
2021-04-30 0.160000 1.036941
2021-02-01 0.150000 1.094891
2020-10-30 0.150000 1.033770
2020-07-31 0.150000 1.072961
2020-04-30 0.150000 1.047486
2020-01-31 0.145000 1.039427
2019-10-31 0.145000 0.985054
2019-07-31 0.145000 0.976431
2019-04-30 0.145000 1.074074
2019-01-31 0.143000 1.085801
2018-10-31 0.143000 1.064780
2018-07-31 0.143000 0.978782
2018-04-30 0.143000 1.027299
2018-01-31 0.140000 0.797721
2017-10-31 0.140000 0.816803
2017-07-28 0.140000 0.922266
2017-04-27 0.140000 0.840841
2017-01-30 0.138000 0.841463
2016-10-28 0.138000 0.913302
2016-07-28 0.138000 0.844553
2016-04-28 0.138000 0.901961
2016-01-29 0.135000 0.956768
2015-10-29 0.135000 0.939457
2015-07-30 0.135000 0.911546
2015-04-29 0.135000 0.888743
2015-01-29 0.132000 0.815822
2014-10-30 0.132000 0.838095
2014-07-30 0.132000 0.867280
2014-04-29 0.132000 0.899183
2014-01-30 0.128000 0.868975
2013-10-30 0.128000 0.795525
2013-07-30 0.128000 0.926194
2013-04-29 0.128000 0.868975
2013-01-30 0.122000 0.924242
2012-10-31 0.122000 0.941358
2012-07-30 0.123000 0.910437
2012-04-27 0.123000 0.888728
2012-01-30 0.120000 0.784827
2011-10-28 0.120000 0.969305
2011-07-28 0.120000 1.004184
2011-04-28 0.120000 0.878477
2011-01-28 0.115000 0.906225
2010-10-28 0.115000 0.844347
2010-07-29 0.115000 0.976231
2010-04-29 0.115000 0.780190
2010-01-28 0.113000 0.773443
2009-10-29 0.113000 0.750332
2009-07-30 0.113000 0.706250
2009-04-29 0.113000 0.769755
2009-01-29 0.105000 0.708980
2008-10-30 0.105000 0.644172
2008-07-30 0.105000 0.603448
2008-04-29 0.105000 0.618739
2008-01-30 0.090000 0.553506
2007-10-30 0.090000 0.517241
2007-08-02 0.090000 0.587467
2007-04-27 0.090000 0.590551
2007-01-30 0.083000 0.445279
2006-10-30 0.083000 0.408264
2006-07-28 0.083000 0.426955
2006-04-27 0.083000 0.462396
2006-01-30 0.075000 0.440141
2005-10-28 0.075000 0.451264
2005-07-28 0.075000 0.459559
2005-04-28 0.075000 0.540541
2005-01-28 0.067500 0.566840
2004-10-28 0.067500 0.554272
2004-07-29 0.067500 0.589391
2004-04-28 0.067500 0.571429
2004-01-29 0.061875 0.487157
2003-10-31 0.061875 0.553042
2003-07-30 0.061875 0.687500
Additional Data
dividendRate 0.77
dividendYield 4.08
exDividendDate 2026-05-01
trailingAnnualDividendRate 0.73
trailingAnnualDividendYield 0.038685743
lastDividendValue 0.193
lastDividendDate 2026-05-01
dividendDate 2026-05-15

Info Dump

Attribute Value
52 Week Change 0.04305172
Address1 1,195 River Road
Address2 P.O. Box 302
All Time High 23.0
All Time Low 6.975
Ask 24.35
Ask Size 2
Audit Risk 3
Average Analyst Rating 2.0 - Buy
Average Daily Volume10 Day 133,800
Average Daily Volume3 Month 135,011
Average Volume 135,011
Average Volume10Days 133,800
Beta -0.025
Bid 13.63
Bid Size 2
Board Risk 9
Book Value 17.536
City Marietta
Compensation As Of Epoch Date 1,483,142,400
Compensation Risk 7
Country United States
Crypto Tradeable 0
Currency USD
Current Price 19.14
Current Ratio 0.498
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 19.19
Day Low 18.67
Debt To Equity 5.392
Display Name Donegal
Dividend Date 1,778,803,200
Dividend Rate 0.77
Dividend Yield 4.08
Earnings Call Timestamp End 1,785,441,600
Earnings Call Timestamp Start 1,785,441,600
Earnings Growth -0.562
Earnings Quarterly Growth -0.543
Earnings Timestamp 1,785,414,600
Earnings Timestamp End 1,785,414,600
Earnings Timestamp Start 1,785,414,600
Ebitda 84,818,048
Ebitda Margins 0.08755
Enterprise To Ebitda 8.048
Enterprise To Revenue 0.705
Enterprise Value 682,611,264
Eps Current Year 1.7
Eps Forward 1.875
Eps Trailing Twelve Months 1.78
Esg Populated 0
Ex Dividend Date 1,777,593,600
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 17.5994
Fifty Day Average Change 1.5405998
Fifty Day Average Change Percent 0.087537065
Fifty Two Week Change Percent 4.305172
Fifty Two Week High 21.06
Fifty Two Week High Change -1.9200001
Fifty Two Week High Change Percent -0.0911681
Fifty Two Week Low 16.11
Fifty Two Week Low Change 3.0299988
Fifty Two Week Low Change Percent 0.18808186
Fifty Two Week Range 16.11 - 21.06
Financial Currency USD
First Trade Date Milliseconds 1,057,239,000,000
Five Year Avg Dividend Yield 4.36
Float Shares 17,615,604
Forward Eps 1.875
Forward P E 10.207999
Free Cashflow 47,136,400
Full Exchange Name NasdaqGS
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.08524
Gross Profits 82,581,864
Has Pre Post Market Data 1
Held Percent Insiders 0.01439
Held Percent Institutions 0.86789
Implied Shares Outstanding 37,049,603
Industry Insurance - Property & Casualty
Industry Disp Insurance - Property & Casualty
Industry Key insurance-property-casualty
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,777,593,600
Last Dividend Value 0.193
Last Fiscal Year End 1,767,139,200
Last Split Date 1,146,096,000
Last Split Factor 4:3
Long Business Summary Donegal Group Inc., an insurance holding company, provides commercial and personal lines of property and casualty coverages. It operates through three segments: Investment Function, Commercial Lines of Insurance, and Personal Lines of Insurance. The company offers 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 for commercial automobile; protection to businesses against perils combining liability and physical damage coverages; and benefits to employees for injuries sustained during employment. It provides 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 for private passenger automobile; and coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft. The company markets its insurance products primarily to Mid-Atlantic, Midwest, Southern, and Southwestern states through a network of independent insurance agents. The company was incorporated in 1986 and is based in Marietta, Pennsylvania. Donegal Group Inc. operates as a subsidiary of Donegal Mutual Insurance Company.
Long Name Donegal Group Inc.
Market us_market
Market Cap 709,129,408
Market State PRE
Max Age 86,400
Message Board Id finmb_267024
Most Recent Quarter 1,774,915,200
Net Income To Common 65,646,168
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 751,604,548
Number Of Analyst Opinions 2
Open 18.92
Operating Cashflow 64,623,016
Operating Margins 0.06126
Overall Risk 10
Payout Ratio 0.41009998
Peg Ratio 1.38
Phone 800 877 0600
Previous Close 18.87
Price Eps Current Year 11.258822
Price Hint 2
Price To Book 1.0914689
Price To Sales Trailing12 Months 0.7319389
Profit Margins 0.06776
Quick Ratio 0.151
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.0
Region US
Regular Market Change 0.269999
Regular Market Change Percent 1.43083
Regular Market Day High 19.19
Regular Market Day Low 18.67
Regular Market Day Range 18.67 - 19.19
Regular Market Open 18.92
Regular Market Previous Close 18.87
Regular Market Price 19.14
Regular Market Time 1,783,972,801
Regular Market Volume 154,649
Return On Assets 0.02125
Return On Equity 0.10641
Revenue Growth -0.037
Revenue Per Share 26.436
Sand P52 Week Change 0.20365608
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 10
Shares Outstanding 31,472,828
Shares Percent Shares Out 0.022
Shares Short 815,814
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 604,686
Short Name Donegal Group, Inc.
Short Percent Of Float 0.0476
Short Ratio 4.86
Source Interval 15
State PA
Symbol DGICA
Target High Price 20.5
Target Low Price 20.0
Target Mean Price 20.25
Target Median Price 20.25
Total Cash 61,518,124
Total Cash Per Share 1.66
Total Debt 35,000,000
Total Revenue 968,836,928
Tradeable 0
Trailing Annual Dividend Rate 0.73
Trailing Annual Dividend Yield 0.038685743
Trailing Eps 1.78
Trailing P E 10.752809
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 18.45125
Two Hundred Day Average Change 0.6887493
Two Hundred Day Average Change Percent 0.037328057
Type Disp Equity
Volume 154,649
Website https://www.donegalgroup.com
Zip 17,547-0302