DGICA
Bearish signalScored 2026-09-16 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Donegal Group Inc.
- Nom
- Donegal Group Inc.
- Secteur
- Financial Services
- Industrie
- Insurance - Property & Casualty
- Bourse
- NASDAQ
- Capitalisation
- $698.6M
- Employés
- 851
- PDG
- Kevin G. Burke
- Site web
- https://www.donegalgroup.com
- Marché
- ACICAIIGBLIHRTGNODKOIG
Donegal Group, Inc. is an insurance holding company, which engages in the provision of property and casualty insurance to businesses and individuals. It operates through the following segments: Investment Function, Personal Lines of Insurance, and Commercial Lines of Insurance. The Investment Function segment covers investment activities. The Personal Lines of Insurance segment consists of homeowners and private passenger automobile policies. The Commercial Lines of Insurance segment includes commercial automobile, commercial multi-peril, and workers compensation policies. The company was founded on August 26, 1986 and is headquartered in Marietta, PA.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 48 750 titres (~939 505,80 $ US)
- Insiders
- BURKE KEVIN GERARDHUBER BARRY CRAIGBIXENMAN DENNIS JOSEPHKING DAVID CHARLES
- Total bought
-
—
Avg buy (VWAP, 90d window) $19.11 vs last close —
- Total sold
-
$2,369,599
Avg sell (VWAP, 90d window) $19.37 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-11
- Last synced
-
2026-09-17 09:54:31
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-11 | BURKE KEVIN GERARD | Sell · S | 24,000 | $19.23 | $461,424 | Form 4 |
| 2026-09-11 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 45,000 | $19.23 | $865,170 | Form 4 |
| 2026-09-11 | MILLER JEFFREY DEAN | Sell · S | 21,000 | $19.23 | $403,746 | Form 4 |
| 2026-09-10 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 10,000 | $19.13 | $191,262 | Form 4 |
| 2026-09-09 | BAWEL DAVID BENJAMIN | Sell · S | 8,326 | $19.28 | $160,509 | Form 4 |
| 2026-09-09 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 8,326 | $19.28 | $160,509 | Form 4 |
| 2026-09-08 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 10,000 | $19.14 | $191,358 | Form 4 |
| 2026-09-04 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 6,368 | $19.39 | $123,486 | Form 4 |
| 2026-09-03 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 9,595 | $19.53 | $187,434 | Form 4 |
| 2026-09-03 | HUBER BARRY CRAIG | Sell · S | 4,500 | $19.43 | $87,437 | Form 4 |
| 2026-09-03 | VIOZZI VINCENT ANTHONY | Sell · S | 2,282 | $19.50 | $44,499 | Form 4 |
| 2026-09-02 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 10,000 | $19.43 | $194,334 | Form 4 |
| 2026-09-01 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 9,257 | $19.17 | $177,434 | Form 4 |
| 2026-08-31 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 10,000 | $19.18 | $191,765 | Form 4 |
| 2026-08-28 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 10,000 | $19.19 | $191,946 | Form 4 |
| 2026-08-27 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 10,000 | $18.95 | $189,504 | Form 4 |
| 2026-08-26 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 9,508 | $19.11 | $181,668 | Form 4 |
| 2026-08-25 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 10,000 | $19.00 | $189,981 | Form 4 |
| 2026-08-24 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 10,000 | $19.06 | $190,647 | Form 4 |
| 2026-08-21 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 10,000 | $18.68 | $186,757 | Form 4 |
| 2026-08-20 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 9,815 | $18.66 | $183,133 | Form 4 |
| 2026-08-19 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 9,700 | $18.61 | $180,522 | Form 4 |
| 2026-08-18 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 10,000 | $18.60 | $185,955 | Form 4 |
| 2026-08-17 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 10,000 | $18.52 | $185,239 | Form 4 |
| 2026-08-06 | DONEGAL MUTUAL INSURANCE CO | Buy · P | 18,000 | $19.67 | $354,060 | Form 4 |
| 2026-08-06 | HOFFMAN CHRISTINA MARIE | Sell · S | 18,000 | $19.67 | $354,060 | Form 4 |
| 2026-08-04 | BIXENMAN DENNIS JOSEPH | Sell · S | 11,250 | $19.26 | $216,675 | Form 4 |
| 2026-08-04 | DEAS NOLAND RONE JR | Sell · S | 24,000 | $19.47 | $467,280 | Form 4 |
| 2026-08-04 | KING DAVID CHARLES | Sell · S | 9,000 | $19.33 | $173,970 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-09-16 Drivers: fundamentals. Moteurs : fondamentaux.
DGICA presents a compelling operational turnaround story with strong fundamentals (score: 85) and a healthy balance sheet, but the catalyst signal is only moderate — an institutional cluster buy partially offset by…
The first sentence of the analysis written for DGICA on 2026-09-16 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Bearish signal
Drivers: fundamentals. Moteurs : fondamentaux.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Pulls against a bullish reading. Current ratio 0.74 · operating margin 10.0%
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 26.7% | 22.8% | 17.7% | 16.7% | 20.5% | |
| Ebit Margin | 10.1% | 6.4% | 0.6% | -0.4% | 3.8% | |
| Ebitda Margin | 10.4% | 6.8% | 1.1% | 0.2% | 4.5% | |
| Operating Profit Margin | 10.0% | 6.3% | 0.5% | -0.4% | 3.7% | |
| Pretax Profit Margin | 10.0% | 6.3% | 0.5% | -0.4% | 3.7% | |
| Continuous Operations Profit Margin | 8.1% | 5.1% | 0.5% | -0.2% | 3.1% | |
| Net Profit Margin | 8.1% | 5.1% | 0.5% | -0.2% | 3.1% | |
| Bottom Line Profit Margin | 8.1% | 5.1% | 0.5% | -0.2% | 3.1% | |
| Current Ratio | 0.742 | 0.837 | 0.819 | 0.807 | 0.847 | |
| Quick Ratio | 0.742 | 0.837 | 0.819 | 0.807 | 0.847 | |
| Solvency Ratio | 0.047 | 0.031 | 0.005 | 0.002 | 0.018 | |
| Cash Ratio | 0.015 | 0.030 | 0.013 | 0.014 | 0.034 | |
| Price To Earnings Ratio | 9.000 | 10.045 | 99.929 | -231.648 | 17.427 | |
| Price To Earnings Growth Ratio | 0.204 | 0.010 | -0.304 | 2.155 | -0.320 | |
| Forward Price To Earnings Growth Ratio | 0.204 | 0.010 | -0.304 | 2.155 | -0.320 | |
| Price To Earnings Diluted Ratio | 9.165 | 10.111 | 99.929 | -231.648 | 17.642 | |
| Price To Earnings Diluted Growth Ratio | 0.216 | 0.010 | -0.304 | 2.154 | -0.317 | |
| Price To Book Ratio | 0.959 | 0.935 | 0.964 | 0.939 | 0.833 | |
| Price To Sales Ratio | 0.628 | 0.516 | 0.499 | 0.535 | 0.542 | |
| Price To Free Cash Flow Ratio | 8.750 | 7.569 | 16.177 | 6.768 | 5.767 | |
| Price To Operating Cash Flow Ratio | 8.750 | 7.569 | 16.151 | 6.768 | 5.767 | |
| Debt To Assets Ratio | 0.015 | 0.015 | 0.015 | 0.016 | 0.016 | |
| Debt To Equity Ratio | 0.055 | 0.064 | 0.073 | 0.072 | 0.066 | |
| Debt To Capital Ratio | 0.052 | 0.060 | 0.068 | 0.067 | 0.062 | |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Financial Leverage Ratio | 3.727 | 4.280 | 4.724 | 4.639 | 4.247 | |
| Working Capital Turnover Ratio | -2.649 | -3.233 | -2.812 | -2.837 | -6.264 | |
| Operating Cash Flow Ratio | 0.040 | 0.038 | 0.016 | 0.038 | 0.045 | |
| Operating Cash Flow Sales Ratio | 0.072 | 0.068 | 0.031 | 0.079 | 0.094 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 1.000 | 0.998 | 1.000 | 1.000 | |
| Debt Service Coverage Ratio | 2.304 | 1.549 | 0.263 | 0.098 | 0.891 | |
| Interest Coverage Ratio | 72.259 | 65.896 | 8.169 | -5.863 | 33.875 | |
| Short Term Operating Cash Flow Coverage Ratio | 2.006 | 1.927 | 0.818 | 1.917 | 2.192 | |
| Operating Cash Flow Coverage Ratio | 2.006 | 1.927 | 0.818 | 1.917 | 2.192 | |
| Capital Expenditure Coverage Ratio | 165,175.214 | 0.000 | 640.338 | 0.000 | 0.000 | |
| Dividend Paid And Capex Coverage Ratio | 2.734 | 2.971 | 1.305 | 3.273 | 4.018 | |
| Dividend Payout Ratio | 0.324 | 0.446 | 4.947 | -10.464 | 0.756 | |
| Enterprise Value Multiple | 6.102 | 7.334 | 47.306 | 254.426 | 11.323 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 26.7% | ▲3.9% | ▲5.8% |
| Ebit Margin | 10.1% | ▲3.7% | ▲6.0% |
| Ebitda Margin | 10.4% | ▲3.6% | ▲5.8% |
| Operating Profit Margin | 10.0% | ▲3.7% | ▲6.0% |
| Pretax Profit Margin | 10.0% | ▲3.7% | ▲6.0% |
| Continuous Operations Profit Margin | 8.1% | ▲3.0% | ▲4.8% |
| Net Profit Margin | 8.1% | ▲3.0% | ▲4.8% |
| Bottom Line Profit Margin | 8.1% | ▲3.0% | ▲4.8% |
| Current Ratio | 0.742 | ▼-0.095 | ▼-0.069 |
| Quick Ratio | 0.742 | ▼-0.095 | ▼-0.069 |
| Solvency Ratio | 0.047 | ▲0.017 | ▲0.027 |
| Cash Ratio | 0.015 | ▼-0.014 | ▼-0.006 |
| Price To Earnings Ratio | 9.000 | ▼-1.046 | ▲28.049 |
| Price To Earnings Growth Ratio | 0.204 | ▲0.194 | ▼-0.145 |
| Forward Price To Earnings Growth Ratio | 0.204 | ▲0.194 | ▼-0.145 |
| Price To Earnings Diluted Ratio | 9.165 | ▼-0.946 | ▲28.125 |
| Price To Earnings Diluted Growth Ratio | 0.216 | ▲0.205 | ▼-0.136 |
| Price To Book Ratio | 0.959 | ▲0.024 | ▲0.033 |
| Price To Sales Ratio | 0.628 | ▲0.112 | ▲0.084 |
| Price To Free Cash Flow Ratio | 8.750 | ▲1.181 | ▼-0.256 |
| Price To Operating Cash Flow Ratio | 8.750 | ▲1.181 | ▼-0.251 |
| Debt To Assets Ratio | 0.015 | ▼-0.000 | ▼-0.001 |
| Debt To Equity Ratio | 0.055 | ▼-0.009 | ▼-0.011 |
| Debt To Capital Ratio | 0.052 | ▼-0.008 | ▼-0.010 |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 |
| Financial Leverage Ratio | 3.727 | ▼-0.553 | ▼-0.597 |
| Working Capital Turnover Ratio | -2.649 | ▲0.585 | ▲0.910 |
| Operating Cash Flow Ratio | 0.040 | ▲0.003 | ▲0.005 |
| Operating Cash Flow Sales Ratio | 0.072 | ▲0.004 | ▲0.003 |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | -0.000 | ▲0.000 |
| Debt Service Coverage Ratio | 2.304 | ▲0.755 | ▲1.283 |
| Interest Coverage Ratio | 72.259 | ▲6.363 | ▲37.392 |
| Short Term Operating Cash Flow Coverage Ratio | 2.006 | ▲0.079 | ▲0.234 |
| Operating Cash Flow Coverage Ratio | 2.006 | ▲0.079 | ▲0.234 |
| Capital Expenditure Coverage Ratio | 165175.214 | ▲165175.214 | ▲132012.104 |
| Dividend Paid And Capex Coverage Ratio | 2.734 | ▼-0.237 | ▼-0.126 |
| Dividend Payout Ratio | 0.324 | ▼-0.123 | ▲1.122 |
| Enterprise Value Multiple | 6.102 | ▼-1.232 | ▼-59.197 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $614.3M | $510.5M | $462.3M | $454.2M | $442.5M | |
| Enterprise value | $622.5M | $492.5M | $473.5M | $464.1M | $419.8M | |
| EV / Sales | 0.64x | 0.50x | 0.51x | 0.55x | 0.51x | |
| EV / Op. cash flow | 8.87x | 7.30x | 16.54x | 6.92x | 5.47x | |
| EV / Free cash flow | 8.87x | 7.30x | 16.57x | 6.92x | 5.47x | |
| EV / EBITDA | 6.10x | 7.33x | 47.31x | 254.43x | 11.32x | |
| Net debt / EBITDA | 0.08x | -0.27x | 1.12x | 5.42x | -0.61x | |
| Current ratio | 0.74x | 0.84x | 0.82x | 0.81x | 0.85x | |
| Income quality | 0.89x | 1.33x | 6.47x | -34.25x | 3.04x | |
| Graham number | $35 | $24 | $7 | — | $18 | |
| Graham net-net | -$25 | -$19 | -$20 | -$21 | -$20 | |
| Tax burden | 81.3% | 81.6% | 87.4% | 53.9% | 83.2% | |
| Interest burden | 98.6% | 98.5% | 89.1% | 120.6% | 97.1% | |
| Working capital | -$448.6M | -$289.9M | -$322.2M | -$337.3M | -$260.7M | |
| Invested capital | -$371.0M | -$207.5M | -$237.9M | -$254.8M | -$183.1M | |
| Return on assets | 3.3% | 2.2% | 0.2% | -0.1% | 1.1% | |
| Operating ROA | 4.1% | 2.7% | 0.2% | -0.2% | 1.4% | |
| Return on tangible assets | 3.4% | 2.3% | 0.2% | -0.1% | 1.2% | |
| Return on equity | 12.4% | 9.3% | 0.9% | -0.4% | 4.8% | |
| Return on invested capital | 11.6% | 8.6% | 0.8% | -0.4% | 4.3% | |
| Return on capital employed | 15.1% | 11.3% | 1.0% | -0.7% | 5.4% | |
| Earnings yield | 12.9% | 10.0% | 1.0% | -0.4% | 5.7% | |
| Free cash flow yield | 11.4% | 13.2% | 6.2% | 14.8% | 17.3% | |
| Capex / Op. cash flow | 0.0% | 0.0% | 0.2% | 0.0% | 0.0% | |
| Capex / Depreciation | 0.0% | 0.0% | 1.0% | 0.0% | 0.0% | |
| Capex / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| SG&A / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.0% | 0.0% | 0.1% | 0.0% | |
| Intangibles / Total assets | 3.2% | 3.4% | 3.6% | 3.6% | 3.3% | |
| Days sales outstanding | 223d | 229d | 253d | 279d | 294d | |
| Days payables outstanding | 2d | 2d | 4d | 2d | 2d | |
| Operating cycle | 223d | 229d | 253d | 279d | 294d | |
| Cash conversion cycle | 221d | 227d | 249d | 277d | 292d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+20.3%EV / Sales ▲+27.9%EV / EBITDA ▼-16.8%EV / Op. cash flow ▲+1.564Earnings yield ▲+0.030Graham number ▲+10.828
Profitability
Return on equity ▲+0.031Return on assets ▲+0.011Return on invested capital ▲+0.030Return on capital employed ▲+0.038Operating ROA ▲+0.014Income quality ▼-0.441Tax burden ▼-0.003
Efficiency
Days sales outstanding ▼-5.877Days payables outstanding ▼-0.301Operating cycle ▼-5.877Cash conversion cycle ▼-5.576Capex / Sales n/aR&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.095Net debt / EBITDA ▲+0.347Working capital ▼-158638255.000Invested capital ▼-163464932.000Intangibles / Total assets ▼-0.003
Change over 5 years
Valuation
Market cap ▲+38.8%EV / Sales ▲+23.8%EV / EBITDA ▼-46.1%EV / Op. cash flow ▲+3.397Earnings yield ▲+0.072Graham number ▲+17.039
Profitability
Return on equity ▲+0.076Return on assets ▲+0.022Return on invested capital ▲+0.073Return on capital employed ▲+0.096Operating ROA ▲+0.028Income quality ▼-2.154Tax burden ▼-0.019
Efficiency
Days sales outstanding ▼-71.039Days payables outstanding ▼-0.444Operating cycle ▼-71.039Cash conversion cycle ▼-70.594Capex / Sales n/aR&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.105Net debt / EBITDA ▲+0.693Working capital ▼-187880014.000Invested capital ▼-187865844.000Intangibles / Total assets ▼-0.002
Employee count
Peer market caps
Recent news
- 2026-09-16 Mutual Insurance Co Donegal Acquires 54,725 Shares of Donegal Group (NASDAQ:DGICA) Stock Donegal Group, Inc. (NASDAQ: DGICA - Get Free Report) major shareholder Mutual Insurance Co Donegal purchased 54,725 shares of the company''s stock in a transaction dated Friday, September 11th. The shares were acquired at an average price of $19.23 per share, for a total transaction of $1,052,361.75. Following the purchase, the insider owned 14,387,128 shares in
- 2026-08-05 Donegal Group Inc. (DGICA) Q2 2026 Earnings Call Prepared Remarks Transcript Donegal Group Inc. (DGICA) Q2 2026 Earnings Call Prepared Remarks Transcript
- 2026-07-30 Donegal Group (DGICA) Surpasses Q2 Earnings Estimates Donegal Group (DGICA) came out with quarterly earnings of $0.53 per share, beating the Zacks Consensus Estimate of $0.46 per share. This compares to earnings of $0.43 per share a year ago.
- 2026-07-30 Donegal Group Inc. Announces Second Quarter and First Half 2026 Results MARIETTA, Pa., July 30, 2026 (GLOBE NEWSWIRE) -- Donegal Group Inc. (NASDAQ: DGICA) and (NASDAQ: DGICB) today reported its financial results for the second quarter and first half of 2026.
- 2026-07-16 Donegal Group Inc. Announces Quarterly Dividend MARIETTA, Pa., July 16, 2026 (GLOBE NEWSWIRE) -- Donegal Group Inc. (NASDAQ:DGICA) and (NASDAQ:DGICB) reported today that its board of directors declared a regular quarterly cash dividend of $0.1925 per share of the Company''s Class A common stock and $0.175 per share of the Company''s Class B common stock. The dividends are payable on August 14, 2026 to stockholders of record as of the close of business on July 31, 2026.
- 2026-07-09 ITIC vs DGICA: Which Insurance Stock is the Better Buy? The U.S. insurance industry is evolving as insurers respond to changing risk patterns, technological innovation, and shifting customer expectations. Property insurers are revising premiums and underwriting to offset mounting losses from hurricanes, wildfires, floods and severe storms, while casualty insurers continue to face pressure from social inflation, rising litigation costs and higher claim severity.
- 2026-07-07 Donegal Group Inc. Announces Release Date for Second Quarter 2026 Results MARIETTA, Pa., July 07, 2026 (GLOBE NEWSWIRE) -- Donegal Group Inc. (NASDAQ:DGICA) and (NASDAQ:DGICB) announced today that it plans to release its results for the second quarter ended June 30, 2026, on Thursday, July 30, 2026, before the opening of regular trading on the NASDAQ Stock Market. The Company will provide a supplemental investor presentation in the Investors section of its website at investors.donegalgroup.com, concurrently with its earnings press release.
- 2026-07-07 Donegal Group Inc. Announces Release Date for Second Quarter 2026 Results MARIETTA, Pa. , July 07, 2026 (GLOBE NEWSWIRE) -- Donegal Group Inc. (NASDAQ: DGICA) and (NASDAQ: DGICB) announced today that it plans to release its results for the second quarter ended June 30, 2026, on Thursday, July 30, 2026, before the opening of regular trading on the NASDAQ Stock Market.
- 2026-06-28 This Under-the-Radar 4.4% Yielding Stock Is a Top Defensive Refuge for Retirees With the 10-year Treasury at 4.46% and core PCE still grinding higher, retirees are hunting for income that holds up.