DGICA
Donegal Group Inc.
There isn't enough reported data to score DGICA yet.
DGICA Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
DGICA's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like DGICA.
DGICA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $8.91 | -53% |
| Forward | 9.9x | $18.96 | — |
| Current | 11x | $18.96 | — |
| Fair | 13x | $13.85 | -27% |
| Expensive | 66x | $72.34 | +282% |
Historical ranges are pointers, not guarantees.
DGICA's PE is 11x, but its earnings don't support one, so it isn't a reliable read right now.
DGICA Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Stable | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect DGICA's profitability to improve, with its earnings and revenue holding steady.
DGICA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.91 | +74% |
| Q3 2021 | $1.10 | -38% |
| Q2 2021 | $1.68 | +7% |
| Q1 2021 | $1.98 | +106% |
| Q4 2020 | $1.77 | +7.9% |
DGICA earned $1.10 per share over the past year, down 38% from the year before.
DGICA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $237.7M | -3.4% |
| Q2 2026 | $241.1M | -2.4% |
| Q1 2026 | $236M | -3.7% |
| Q4 2025 | $240.1M | -3.9% |
| Q3 2025 | $245.9M | -2.3% |
| Q2 2025 | $247.1M | +0.2% |
| Q1 2025 | $245.2M | +1.7% |
| Q4 2024 | $250M | +4.4% |
DGICA's revenue grew through 2023 and has held roughly level since: $238M last quarter, down 3.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 9.3% | -0.9 points |
| Q2 2026 | 11% | +3.2 points |
| Q1 2026 | 6% | -6.7 points |
| Q4 2025 | 8.7% | -3.1 points |
| Q3 2025 | 10% | +2.1 points |
| Q2 2025 | 8.3% | +6.2 points |
| Q1 2025 | 13% | +9.7 points |
| Q4 2024 | 12% | +13 points |
DGICA's operating margin was 9.3% last quarter, down 0.9 points from the same quarter a year ago.
DGICA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $14.9M | -33% |
| Q2 2026 | $5.9M | -51% |
| Q1 2026 | $20.2M | -22% |
| Q4 2025 | $10M | -65% |
| Q3 2025 | $22.4M | +75% |
| Q2 2025 | $12.1M | -44% |
| Q1 2025 | $25.7M | +434% |
| Q4 2024 | $28.2M | +986% |
DGICA's free cash flow was $51M over the past year, down 42% from the year before. Free cash flow isn't a meaningful measure for financial services companies like DGICA.
DGICA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.8% | +300K shares |
| 1 year | +2.1% | +778K shares |
| 3 years | +13% | +4.2M shares |
| 5 years | +19% | +6.1M shares |
| Available history | +30% | +8.6M shares |
DGICA has 37M diluted shares, up 2.1% from a year ago.
DGICA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.0x | Very low |
| Q2 2026 | 0.1x | Very low |
| Q1 2026 | -0.0x | Net Cash |
| Q4 2025 | 0.1x | Very low |
| Q3 2025 | -0.0x | Net Cash |
| Q2 2025 | -0.2x | Net Cash |
| Q1 2025 | -0.3x | Net Cash |
| Q4 2024 | -0.3x | Net Cash |
DGICA's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like DGICA.
DGICA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.5 | Neutral |
| Stochastic | 48.4 | Neutral |
DGICA's weekly RSI is 55 (neutral) and its Stochastic is 48 (neutral).
DGICA PE vs Financial Services Sector
| Metric | DGICA | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 16% below |
| PE % | 46 | 63 | 17 pts below |
DGICA is trading at 11x earnings, a 16% discount to the Financial Services sector's median of 13x, though its earnings don't support one.
DGICA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $18.6 | 2.2% above |
| 20 week MA | $18.9 | 0.5% above |
| 50 week MA | $18.4 | 3% above |
| 100 week MA | $18.3 | 3.9% above |
| 200 week MA | $16.4 | 16% above |
DGICA is in an uptrend: it's above all five of its weekly moving averages, and 16% above its 200-week average.
DGICA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.7 | $14.2 | -3.3% |
| 2021 | $14.2 | $14.2 | +0.4% |
| 2022 | $14.2 | $14.4 | +0.9% |
| 2023 | $14.4 | $14.0 | -2.6% |
| 2024 | $14.0 | $15.4 | +10% |
| 2025 | $15.4 | $20.1 | +30% |
| 2026 YTD | $20.1 | $19.0 | -5.8% |
DGICA has finished higher in four of the last six years. It's down 5.8% so far in 2026.