Donegal Group A Inc (DGICA) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Donegal Group A Inc stock (DGICA) is currently trading at $17.25. Donegal Group A Inc PE ratio is 7.74. Donegal Group A Inc PS ratio (Price-to-Sales) is 0.64. Analyst consensus price target for DGICA is $20.75. WallStSmart rates DGICA as Hold.
- DGICA PE ratio analysis and historical PE chart
- DGICA PS ratio (Price-to-Sales) history and trend
- DGICA intrinsic value — DCF, Graham Number, EPV models
- DGICA stock price prediction 2025 2026 2027 2028 2029 2030
- DGICA fair value vs current price
- DGICA insider transactions and insider buying
- Is DGICA undervalued or overvalued?
- Donegal Group A Inc financial analysis — revenue, earnings, cash flow
- DGICA Piotroski F-Score and Altman Z-Score
- DGICA analyst price target and Smart Rating
Donegal Group A Inc
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DGICA Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Donegal Group A Inc (DGICA)
DGICA trades 26% above its Graham fair value of $14.82, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Donegal Group A Inc (DGICA) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Concerns around operating margin and revenue growth. Fundamentals are solid but monitor weak areas for improvement.
Donegal Group A Inc (DGICA) Key Strengths (4)
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
87.33% of shares held by major funds and institutions
Good growth relative to its price
Supporting Valuation Data
Donegal Group A Inc (DGICA) Areas to Watch (6)
Revenue declining -3.90%, a shrinking business
Earnings declining -33.30%, profits shrinking
Very thin margins with limited operational efficiency
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Donegal Group A Inc (DGICA) Detailed Analysis Report
Overall Assessment
This company scores 55/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.5/10) while 6 fall into concern territory (avg 2.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book, Institutional Own.. Valuation metrics including PEG Ratio (1.38), Price/Sales (0.64), Price/Book (0.97) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Operating Margin. Growth concerns include Revenue Growth at -3.90%, EPS Growth at -33.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.40%, Operating Margin at 8.87%, Profit Margin at 8.11%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.40% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -3.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Sales, Price/Book) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
DGICA Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
DGICA's Price-to-Sales ratio of 0.64x trades 37% below its historical average of 1.01x (16th percentile). The current valuation is 75% below its historical high of 2.53x set in Mar 2006, and 25% above its historical low of 0.51x in Jun 2020.
Compare DGICA with Competitors
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Data-driven financial summary for Donegal Group A Inc (DGICA) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
Donegal Group A Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 978M with 390% decline year-over-year. Profit margins are thin at 8.1%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 1340.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 10M in free cash flow and 10M in operating cash flow. Earnings are translating into actual cash generation.
Revenue contracted 390% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Margin expansion: can Donegal Group A Inc push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 426.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact Donegal Group A Inc.
Bottom Line
Donegal Group A Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Donegal Group A Inc(DGICA)
NASDAQ
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
Donegal Group Inc., an insurance company, offers personal and commercial property and casualty lines of insurance to businesses and individuals in the Mid-Atlantic, Midwest, New England and southern states. The company is headquartered in Marietta, Pennsylvania.