Stock AnalizDonegal Group Inc. DGICB
Property-Casualty Insurers · IPO 1986 · data as of November 13, 2026
Donegal Group Inc. (DGICB) is a financial company listed in the US with a market value of about $1.1B. In the twelve months to September 30, 2026 it had revenue of $955M and net income of $69M, a net margin of 7.2%.
Its overall Stock Analiz score is 2.0 out of 5 (weak). The strongest part is financial health (4/5); the weakest is track record (0/5).
Key numbers: a P/E of 15.3, a price to free cash flow of 20.7, 5-year revenue growth of 5% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 59% below the current price.
Score: 2.0 / 5
Checks passed
- P/E below 25
- Profit margin improving
- More cash than debt, or low debt to equity
- Positive free cash flow
- Interest covered more than 5 times
- Debt below 3 years of free cash flow
- Pays a dividend
- 20% to 100% of free cash flow returned to shareholders
Checks not passed
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $955M | $978M | $990M | $927M | $848M | $816M | $778M | $812M | $772M | $739M | $688M |
| Net income | $69M | $79M | $51M | $4M | -$2M | $25M | $53M | $47M | -$33M | $7M | $31M |
| Free cash flow | $51M | $70M | $67M | $29M | $67M | $76M | $101M | $76M | $64M | $80M | $60M |
| EPS (diluted) | $1.84 | $2.12 | — | — | — | — | — | — | — | — | — |
| Net margin | 7.2% | 8.1% | 5.1% | 0.5% | -0.2% | 3.1% | 6.8% | 5.8% | -4.2% | 1.0% | 4.5% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is Donegal Group’s P/E ratio?
About 15.3, based on the last twelve months of diluted earnings per share.
Is Donegal Group stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 59% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Donegal Group pay a dividend?
Yes. The dividend yield is about 2.56%, and it has paid dividends for 10 years in our data.
Is Donegal Group a good stock to buy?
We do not give buy or sell advice. Donegal Group scores 2.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.