US · DGICB
Donegal Group Inc.
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Marietta, PA 17547-0302
- Website
- donegalgroup.com
Price · as of 2025-12-31
$19.24
Market cap 606.81M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $50.22 | +161.02% |
| Intrinsic Value(DCF) | $8.14 | -57.69% |
| Graham-Dodd Method(GD) | $33.73 | +75.33% |
| Graham Formula(GF) | $18.02 | -6.34% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $10.34 | $1,486.95 | $606.96 | $7.90 | $0.41 |
| 2012 | $12.63 | $153.99 | $461.44 | $12.76 | $14.23 |
| 2013 | $15.47 | $1,611.45 | $326.85 | $12.75 | $14.66 |
| 2014 | $17.73 | $1,741.01 | $271.86 | $10.48 | $8.39 |
| 2015 | $9.42 | $1,670.13 | $89.33 | $10.53 | $12.43 |
| 2016 | $11.21 | $1,936.96 | $342.52 | $14.18 | $18.57 |
| 2017 | $10.17 | $2,078.34 | $0.11 | $9.36 | $3.90 |
| 2018 | $9.68 | $54.95 | $0.00 | $0.00 | $0.00 |
| 2019 | $9.10 | $2,519.34 | $514.48 | $15.40 | $22.26 |
| 2020 | $11.02 | $16.28 | $123.23 | $17.81 | $7.42 |
| 2021 | $11.22 | $25.22 | $13.10 | $11.79 | $10.53 |
| 2022 | $13.38 | $23.06 | $9.70 | $5.02 | $0.00 |
| 2023 | $12.23 | $35.71 | $10.62 | $5.08 | $2.29 |
| 2024 | $15.17 | $12.97 | $13.71 | $13.76 | $22.56 |
| 2025 | $16.69 | $50.22 | $3.41 | $33.73 | $18.02 |
AI valuation
Our deep-learning model estimates Donegal Group Inc.'s (DGICB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $50.22
- Current price
- $19.24
- AI upside
- +161.02%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$8.14
-57.69% upside
Graham-Dodd
$33.73
+75.33% upside
Graham Formula
$18.02
-6.34% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| DGICB | Donegal Group Inc. | $19.24 | 606.81M | +161% | -58% | +75% | -6% | 6.47 | 0.80 | 0.52 | 5.27 | 15.22 | 0.90 | 42.30% | 9.98% | 8.11% | 13.38% | 19.18% | 3.36% | 0.05 | 72.24 | — | — | 0.08 | 4248.00% | -117.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 5.34 | — | 0.53 | 0.91 |
| ACIC | American Coastal Insuranc… | $11.39 | 555.44M | +870% | +21% | -65% | +181% | 7.14 | 2.29 | 1.82 | 3.33 | — | 3.17 | 52.70% | 37.62% | 25.52% | 37.44% | 193.20% | 6.65% | 0.65 | 9.30 | — | — | 0.12 | -7808.00% | 1251.00% | -27877.00% | 45.06% | — | 561.53% | 4.46% | 31.80% | 4.46% | 3.65 | 1.67 | 1.37 | 0.66 |
| AII | American Integrity Insura… | $20.36 | 398.58M | +201% | -33% | +40% | +1,087% | 3.66 | 1.08 | 1.32 | 1.38 | 1.91 | 1.08 | 64.54% | 41.61% | 36.03% | 39.90% | 524.65% | 8.22% | 0.00 | — | 92.89 | 92.89 | -1.73 | 19124.00% | 3530.00% | -977.00% | 36.52% | 51.56 | 701.36% | 6.27% | 23.00% | 15.39% | 1.41 | 1.22 | 0.59 | 1.29 |
| GAIN | Gladstone Investment Corp… | $13.69 | 545.16M | +98% | -58% | — | — | 7.17 | 0.94 | 5.21 | 13.92 | — | 0.94 | 68.57% | 72.67% | 72.67% | 13.17% | 7.14% | 6.72% | 0.91 | 2.31 | 3.69 | 3.69 | 6.76 | -2794.00% | -1288.00% | 3249.00% | 24.34% | 18.46 | 12.46% | 13.02% | 93.30% | 13.02% | 13.92 | 7.98 | 10.12 | 0.87 |
| HRTG | Heritage Insurance Holdin… | $27.87 | 861.5M | +1% | -31% | -30% | +35% | 5.66 | 1.20 | 0.43 | -0.53 | 34.96 | 1.37 | 21.88% | 10.12% | 7.53% | 24.08% | -41.50% | 2.68% | 0.49 | 7.56 | — | — | -3.02 | 1618.00% | 1108.00% | 3030.00% | 22.65% | — | -53.19% | 0.02% | 0.10% | 0.02% | -0.66 | -0.69 | -0.07 | 0.59 |
| MSBI | Midland States Bancorp, I… | $22.13 | 476.94M | -8% | 0% | -58% | +21% | 10.01 | 0.54 | 0.70 | -5.59 | — | 0.73 | 43.21% | 8.59% | 6.97% | 5.06% | 18.38% | 0.49% | 0.60 | 0.25 | 0.23 | 0.23 | 6.59 | -4335.00% | 739.00% | 1627.00% | 44.55% | 0.03 | 81.97% | 9.45% | 94.60% | 53.17% | -5.59 | -1.55 | -0.48 | -0.62 |
| NPB | Northpointe Bancshares, I… | $18.06 | 269.84M | +238% | +2,826% | +483% | +219% | 3.76 | 0.14 | 0.53 | -13.43 | 3.94 | 0.14 | 48.01% | 18.66% | 14.13% | 3.46% | -54.70% | 2.65% | 0.02 | 0.36 | 20.90 | 20.51 | -6.13 | 9565.00% | 773.00% | -16969.00% | 9.03% | 0.32 | -18.60% | 5.58% | 21.00% | 11.52% | -14.13 | -54.89 | -2.64 | -5.63 |
| PRAA | PRA Group, Inc. | $15.75 | 614.49M | +680% | -49% | +76% | +404% | 8.84 | 0.69 | 0.70 | 19.05 | — | 1.06 | 61.01% | 30.23% | 6.28% | 7.69% | 5.64% | 1.87% | 2.96 | 3.83 | 12.97 | 12.97 | 15.57 | -18404.00% | 3781.00% | -178.00% | -12.59% | -0.28 | -2.03% | 0.00% | 0.00% | 131.83% | 11.73 | -40.40 | 3.55 | 1.99 |
About Donegal Group Inc.
Donegal Group Inc., an insurance holding company, provides personal and commercial lines of property and casualty insurance to businesses and individuals. It operates through three segments: Investment Function, Personal Lines of Insurance, and Commercial Lines of Insurance. The company offers private passenger automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents, as well as protection against loss from damage to automobiles; and homeowners policies, which provide coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft, as well as liability of the insured arising from injury to other persons or their property. It also offers commercial automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents and protection against loss from damage to automobiles owned by the insured; commercial multi-peril policies that provide protection to businesses against combining liability and physical damage coverages; and workers' compensation policies, which provide benefits to employees for injuries sustained during employment. The company markets its insurance products primarily to Mid-Atlantic, Midwestern, New England, Southern, and Southwestern regions through approximately 2,300 independent insurance agencies. Donegal Group Inc. was incorporated in 1986 and is headquartered in Marietta, Pennsylvania.
- CEO
- Kevin Gerard Burke
- Employees
- 872
- Beta
- 0.01
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($8.14 ÷ $19.24) − 1 = -57.69% (DCF, example).