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/DGICA
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Donegal Group Inc

Donegal Group Inc

DGICA
$19.36USD+0.52%+0.10 today

MARKET CAP

754.0M

P/E (TTM)

8.9x

FWD P/E

DAY RANGE

$19 – $19

52W RANGE

$16
$21

AI Summary

Stalk
Buy NowMedium

Price remains in a corrective reset within a larger uptrend, holding within a tight 9/20 EMA band and absorbing pullbacks into the repaired EMA zone. Active mean-reversion patterns confirm structural repair and reinforce bullish medium-term asymmetry. Short-term pullbacks into EMAs offer tactical entry with favorable risk–reward. Key risk is failure to hold above EMAs or repeated rejection at 200-day MA resistance.

  • Net income rose 56% to $79.3M in 2025; Q4 combined ratio 96.3%.
  • Transitioning to Guidewire Cloud to enhance agility and speed to market.
  • Net premiums earned declined 4.1% in Q4 2025 and 4.9% in Q1 2026.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$816.5M$848.2M$927.3M$989.6M$978.0M
YoY %+5.0%+3.9%+9.3%+6.7%-1.2%
P / Sales0.4x0.4x0.4x0.4x0.6x
EV / Sales2.5x2.5x2.3x2.2x2.4x
Gross Profit, Adj.$167.0M$141.7M$163.9M$225.2M$260.9M
YoY %-16.1%-15.2%+15.7%+37.3%+15.9%
Margin %20.5%16.7%17.7%22.8%26.7%
EV / Gross Profit12.1x14.9x13.1x9.7x9.0x
EBITDA, Adj.$37.1M$1.8M$10.0M$67.2M$102.0M
YoY %-47.9%-95.1%+448.8%+570.9%+51.9%
Margin %4.5%0.2%1.1%6.8%10.4%
EV / EBITDA54.7x1159.2x215.1x32.4x23.0x
EBIT$31.2M$-3.0M$5.7M$63.3M$98.9M
YoY %-51.6%-109.7%+288.3%+1013.5%+56.3%
Margin %3.8%-0.4%0.6%6.4%10.1%
EV / EBIT65.0x-700.7x378.9x34.4x23.7x
Net Income$21.1M$-1.6M$3.8M$43.2M$68.2M
YoY %-51.5%-107.4%+341.1%+1039.9%+57.8%
Net Margin2.6%-0.2%0.4%4.4%7.0%
EPS (GAAP)$0.83-$0.06$0.14$1.53$2.18
YoY %-54.6%-107.2%+333.3%+992.9%+42.5%