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Donegal

NSQ:DGICA · US2577012014
InsuranceSmall

360

43
Profit price59
Owner Earnings Yield39
Dividend Yield89
Price/Sales85
EV / Gross Profit17
Price/Book81
Returns on capital36
Profit margins31
Cash Conversion34
Accruals41
Owner Earnings Margin45
Sales growth17
Profit Growth23
Long-Term EPS Growth26
Owner Earnings Growth14
Reinvestment66
Price momentum41
Debt load85
Debt serviceability9
Liquidity89
Analyst ratings73
Opinion Changes50
Price Target Upside32
Market mood7
Value Creation12/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Donegal clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryUSA
IndustryInsurance
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1986
Employees522
Websitedonegalgroup.com
ISINUS2577012014
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)

Description

Donegal Group Inc. (DGI), an insurance holding company, offers property and casualty insurance in 21 Mid-Atlantic, Midwestern, Southern, and Southwestern states. The company’s insurance subsidiaries are Atlantic States Insurance Company (‘Atlantic S…

Analysis

Middle-of-the-road

Donegal Group Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 9.5×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 12/20 on our value-creation score: creating some value.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
51
2026

All-time high

56

Mar 2026

All-time low

51

Jun 2026

Average rank

54

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
85
—
—
82
Price/Earnings
63
—
—
34
Price/Book
81
—
—
72
Dividend Yield
89
—
—
1
Value (overall)
96
—
—
35

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →