Donegal Group Inc (DGICA) Stock Analysis
Verdict: HOLD
Deep valuation discount and heavy insider buying provide a margin of safety against a backdrop of persistent earnings misses.
Investment score: 64/100
Analysis as of
Is Donegal Group Inc stock worth reviewing? The TradeMates thesis
A defensive P&C insurer trading below book value with strong insider support and a sustainable 4.5% dividend.
7-factor investment score
- Valuation: 78/100 (weight 20%)
- Financial Health: 60/100 (weight 15%)
- Technical Momentum: 40/100 (weight 15%)
- Earnings Quality: 35/100 (weight 15%)
- Insider Sentiment: 85/100 (weight 10%)
- Analyst Consensus: 75/100 (weight 10%)
- Risk-Adjusted Return: 82/100 (weight 15%)
Donegal Group Inc opportunities and risks
What speaks for DGICA
- Deep Discount to Net Asset Value
What speaks against DGICA
- Persistent Earnings Misses
Peers and competitors
- ROOT
- BOW
- EIG
- HIPO
- HRTG
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| DGICA | 9.4x | 0.6x | 7.4x | 29.0% | 6.8% | 10.4% |
| ROOT | 15.4x | 0.5x | 4.3x | 28.6% | 3.7% | 22.6% |
| BOW | 15.4x | 1.5x | 9.9x | 34.4% | 10.0% | 38.0% |
| EIG | 121.3x | 1.1x | 54.8x | 34.3% | 0.9% | 3.2% |
| HIPO | 6.1x | 1.4x | 4.0x | 40.5% | 23.4% | 7.3% |
| HRTG | 3.4x | 0.9x | 0.9x | 51.2% | 26.0% | 30.0% |
| Peer median | 15.4x | 1.1x | 4.3x | 34.4% | 10.0% | 22.6% |
Frequently asked questions about Donegal Group Inc (DGICA)
Is DGICA stock a good investment?
The TradeMates model rates Donegal Group Inc as HOLD with an investment score of 64/100. A defensive P&C insurer trading below book value with strong insider support and a sustainable 4.5% dividend. This is algorithmic model output, not personal investment advice.
Is DGICA stock a buy?
The TradeMates model verdict for DGICA is HOLD with an investment score of 64/100. Treat this as a model signal to review, not a personal buy recommendation.