- ISIN
- US2577012014
- CUSIP
- 257701201
- Sector
- Financial Services
- Industry
- Insurance - Property & Casualty
- IPO Date
- Apr 24, 2001
Highlights
- Market Cap
- $727.33M
- Enterprise Value
- $703.61M
- EPS (TTM)
- $2.16
- PE Ratio
- 9.14
- PEG Ratio
- 0.04
- Total Revenue (TTM)
- $963.18M
- Gross Profit (TTM)
- $130.63M
- EBITDA (TTM)
- $48.16M
- Year Range
- $16.11 - $21.06
- ROA (TTM)
- 2.86%
- ROE (TTM)
- 10.67%
- Avg. Volume (1M)
- 119K
- Avg. Volume Value (1M)
- $2.26M
Share Price Chart
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Performance
DGICA Performance Chart
Donegal Group Inc. (DGICA) is up 1.9% since the beginning of the year. At $20 per share, DGICA is trading 6.3% below its 52-week high of $21. Investors who bought $1,000 worth of DGICA shares 5 years ago would now be looking at an investment worth $1,594.
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Returns By Period
Donegal Group Inc. (DGICA) has returned 1.91% so far this year and 22.75% over the past 12 months. Over the last ten years, DGICA has returned 6.35% per year, falling short of the S&P 500 Index benchmark, which averaged 13.26% annually.
Donegal Group Inc.
- 1D
- 0.88%
- 1M
- 3.34%
- 6M
- 9.06%
- YTD
- 1.91%
- 1Y
- 22.75%
- 3Y*
- 15.44%
- 5Y*
- 9.78%
- 10Y*
- 6.35%
- ALL TIME*
- 8.77%
Benchmark (S&P 500 Index)
- 1D
- 0.70%
- 1M
- 0.09%
- 6M
- 7.94%
- YTD
- 9.41%
- 1Y
- 20.07%
- 3Y*
- 17.84%
- 5Y*
- 11.25%
- 10Y*
- 13.26%
- ALL TIME*
- 8.09%
DGICA Monthly Returns History
Based on dividend-adjusted daily data since Apr 24, 2001, DGICA's average daily return is +0.06%, while the average monthly return is +0.91%. At this rate, an investment would double in approximately 6.4 years.
Historically, 53% of months were positive and 47% were negative. The best month was Oct 2003 with a return of +30.8%, while the worst month was Oct 2001 at -18.7%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 5 months.
On a daily basis, DGICA closed higher 48% of trading days. The best single day was Jun 28, 2004 with a return of +26.3%, while the worst single day was Jun 25, 2004 at -22.2%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -6.56% | -4.71% | -2.50% | -2.10% | 2.06% | 11.14% | 5.70% | 1.91% | |||||
| 2025 | -4.14% | 19.32% | 12.24% | -1.43% | 5.39% | -0.87% | -14.36% | 5.44% | 8.38% | -3.30% | 8.42% | -0.75% | 34.64% |
| 2024 | 8.50% | -6.73% | 1.00% | -4.95% | -0.22% | -2.72% | 14.36% | 4.55% | -3.15% | 2.85% | 11.03% | -7.03% | 15.93% |
| 2023 | 8.08% | 1.25% | -0.59% | -6.78% | 2.13% | 0.35% | 2.14% | 0.27% | -2.43% | 0.25% | 0.78% | -1.69% | 3.15% |
| 2022 | 1.55% | -4.81% | -1.83% | 2.11% | 19.59% | 5.38% | -16.00% | 2.54% | -7.09% | 9.76% | 1.57% | -4.51% | 4.02% |
| 2021 | -1.42% | -0.15% | 8.47% | 4.91% | -0.91% | -4.71% | 7.29% | -2.65% | -3.78% | -0.54% | -4.56% | 5.07% | 6.02% |
Benchmark Metrics
Donegal Group Inc. has an annualized alpha of 8.16%, beta of 0.74, and R2 of 0.16 versus S&P 500 Index. Calculated based on daily prices since April 24, 2001.
- This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (45.50%) than losses (25.07%) - typical of diversified or defensive assets.
- R2 of 0.16 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 8.16%
- Beta
- 0.74
- R²
- 0.16
- Upside Capture
- 45.50%
- Downside Capture
- 25.07%
Return for Risk
Risk / Return Rank
DGICA ranks 68 for risk / return — above 68% of stocks peers on PortfoliosLab. Its historical combined result is above most peers.
Risk / Return Metrics
The table below present risk-adjusted performance metrics for Donegal Group Inc. (DGICA) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| DGICA | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.51 | ||
| Sortino ratioReturn per unit of downside risk | -0.60 | ||
| Omega ratioGain probability vs. loss probability | 1.17 | 1.25 | -0.09 |
| Calmar ratioReturn relative to maximum drawdown | 1.04 | 2.00 | -0.96 |
| Martin ratioReturn relative to average drawdown | 1.99 | 8.49 | -6.51 |
Dividends
Dividend History
Donegal Group Inc. provided a 3.80% dividend yield over the last twelve months, with an annual payout of $0.75 per share. The company has been increasing its dividends for 24 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.75 | $0.72 | $0.69 | $0.68 | $0.66 | $0.63 | $0.60 | $0.58 | $0.57 | $0.56 | $0.55 | $0.54 |
Dividend yield | 3.80% | 3.60% | 4.44% | 4.82% | 4.61% | 4.41% | 4.23% | 3.90% | 4.16% | 3.22% | 3.13% | 3.81% |
Monthly Dividends
The table displays the monthly dividend distributions for Donegal Group Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.18 | $0.00 | $0.00 | $0.19 | $0.00 | $0.19 | $0.57 | |||||
| 2025 | $0.00 | $0.17 | $0.00 | $0.00 | $0.18 | $0.00 | $0.00 | $0.18 | $0.00 | $0.00 | $0.18 | $0.00 | $0.72 |
| 2024 | $0.17 | $0.00 | $0.00 | $0.00 | $0.17 | $0.00 | $0.00 | $0.17 | $0.00 | $0.00 | $0.17 | $0.00 | $0.69 |
| 2023 | $0.17 | $0.00 | $0.00 | $0.17 | $0.00 | $0.00 | $0.17 | $0.00 | $0.00 | $0.17 | $0.00 | $0.00 | $0.68 |
| 2022 | $0.16 | $0.00 | $0.00 | $0.17 | $0.00 | $0.00 | $0.17 | $0.00 | $0.00 | $0.17 | $0.00 | $0.00 | $0.66 |
| 2021 | $0.00 | $0.15 | $0.00 | $0.16 | $0.00 | $0.00 | $0.16 | $0.00 | $0.00 | $0.16 | $0.00 | $0.00 | $0.63 |
Dividend Yield & Payout
Dividend Yield
Donegal Group Inc. has a dividend yield of 4.72%, which is quite average when compared to the overall market.
Payout Ratio
Donegal Group Inc. has a payout ratio of 36.99%, which is quite average when compared to the overall market. This suggests that Donegal Group Inc. strikes a balance between reinvesting profits for growth and paying dividends to shareholders.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Donegal Group Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Donegal Group Inc. was 43.36%, occurring on Aug 24, 2010. Recovery took 1447 trading sessions.
The current Donegal Group Inc. drawdown is 2.81%.
Drawdown | Fall | Recovery | Underwater | Related event |
|---|---|---|---|---|
-43.36%Aug 2010 | 4y 4mo | 5y 9mo | 10y 1moApr 2006 - May 2016 | — |
-36.30%Mar 2002 | 9mo 14d | 1y 1mo | 1y 10moJun 2001 - Apr 2003 | Dot-com crash2000–2002 |
-30.23%Mar 2020 | 2y 3mo | 1y 26d | 3y 3moDec 2017 - Apr 2021 | COVID crash2020 |
-30.18%Jun 2004 | 5mo 28d | 6mo 1d | 11mo 29dDec 2003 - Dec 2004 | — |
-22.31%Oct 2022 | 3mo 4d | 2y 18d | 2y 3moJul 2022 - Oct 2024 | Bear market2022 |
Drawdown Indicators
| DGICA | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -43.36% | -56.78% | +13.42% |
Max Drawdown (1Y)Largest decline over 1 year | -20.43% | -9.10% | -11.33% |
Max Drawdown (3Y)Largest decline over 3 years | -20.43% | -18.90% | -1.53% |
Max Drawdown (5Y)Largest decline over 5 years | -22.31% | -25.43% | +3.12% |
Max Drawdown (10Y)Largest decline over 10 years | -30.23% | -33.92% | +3.69% |
Current DrawdownCurrent decline from peak | -2.81% | -1.58% | -1.23% |
Average DrawdownAverage peak-to-trough decline | -14.17% | -10.70% | -3.47% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 10.69% | 2.14% | +8.55% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Donegal Group Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Donegal Group Inc. is priced in the market compared to other companies in the Insurance - Property & Casualty industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for DGICA, comparing it with other companies in the Insurance - Property & Casualty industry. Currently, DGICA has a P/E ratio of 9.1. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for DGICA compared to other companies in the Insurance - Property & Casualty industry. DGICA currently has a PEG ratio of 0.0. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for DGICA relative to other companies in the Insurance - Property & Casualty industry. Currently, DGICA has a P/S ratio of 0.7. This P/S ratio is low compared to the industry average. It may indicate that the stock is undervalued relative to its revenue, or that the market expects slower growth or lower margins.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for DGICA in comparison with other companies in the Insurance - Property & Casualty industry. Currently, DGICA has a P/B value of 0.9. This P/B ratio is low compared to industry peers. It might indicate the stock is undervalued or that the company’s assets are not expected to generate strong returns.
Income Statement
| TTM | |
|---|---|
Revenue | |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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