DGICA

Company Overview — What Does DONEGAL GROUP INC Do?

DONEGAL GROUP INC (DGICA) is a small-cap company in the Financials sector, operating within the Insurance industry. The stock has a market capitalization of $628M, making it a notable participant in its sector. Investors researching DGICA stock will find a comprehensive, data-driven analysis below covering valuation, profitability, growth, dividends, and peer comparisons for the Insurance space.

DONEGAL GROUP INC (DGICA) Stock Rating — Hold (April 2026)

As of April 2026, DONEGAL GROUP INC receives a Hold rating with a composite score of 52.7/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.DGICA ranks #1,144 out of 4,446 stocks in our coverage universe. Within the Financials sector, DONEGAL GROUP INC ranks among stocks, placing it in the top 10% of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

DGICA Stock Price and 52-Week Range

DONEGAL GROUP INC (DGICA) currently trades at $17.30. The stock lost $0.23 (1.3%) in the most recent trading session. Recent trading volume was 95K shares, suggesting relatively thin trading activity.

Is DGICA Overvalued or Undervalued? — Valuation Analysis

DONEGAL GROUP INC (DGICA) carries a value factor score of 78/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 7.96x. The price-to-book ratio stands at 0.98x. The price-to-sales ratio is 0.16x. On an enterprise value basis, DGICA trades at 1.56x EV/EBITDA.

Based on these multiples, DONEGAL GROUP INC appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

DONEGAL GROUP INC Profitability — ROE, Margins, and Quality Score

DONEGAL GROUP INC (DGICA) earns a quality factor score of 65/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 12.3%, which is within a healthy range. Return on assets (ROA) comes in at 3.3%.

On a margin basis, DONEGAL GROUP INC reports gross margins of 0.0%. The operating margin is 10.4%. Net profit margin stands at 8.0%. Revenue growth is running at -0.3% on a trailing basis. The overall profitability profile is adequate, though there may be room for margin expansion.

DGICA Debt, Balance Sheet, and Financial Health

DONEGAL GROUP INC has a debt-to-equity ratio of 273.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns.

DGICA has a beta of 0.30, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for DONEGAL GROUP INC is 87/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

DGICA Dividend Yield and Income Analysis

DONEGAL GROUP INC (DGICA) currently pays a dividend yield of 3.7%. At this yield, a $10,000 investment in DGICA stock would generate approximately $$370.00 in annual dividend income. The net margin of 8.0% provides reasonable coverage for the dividend, though investors should monitor payout sustainability.

DGICA Momentum and Technical Analysis Profile

DONEGAL GROUP INC (DGICA) has a momentum factor score of 33/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 34/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 13/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

DGICA vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, DONEGAL GROUP INC (DGICA) ranks #— out of 0 stocks based on the Blank Capital composite score. This places DGICA in the top decile of all Financials stocks in our coverage universe.

Comparing DGICA against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full DGICA vs S&P 500 (SPY) comparison to assess how DONEGAL GROUP INC stacks up against the broader market across all factor dimensions.

DGICA Next Earnings Date

No upcoming earnings date has been announced for DONEGAL GROUP INC (DGICA) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy DGICA? — Investment Thesis Summary

DONEGAL GROUP INC presents a balanced picture with arguments on both sides. The quality score of 65/100 indicates above-average profitability and business fundamentals. The value score of 78/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 33/100, a headwind for near-term performance. Low volatility (stability score 87/100) reduces downside risk.

In summary, DONEGAL GROUP INC (DGICA) earns a Hold rating with a composite score of 52.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on DGICA stock.

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