Donegal Group Inc (DGICA) — Titan Protect Analysis

DGICA

Donegal Group Inc

Financial · ·

$17.24

Data: 2026-06-03

✗ ETHICAL FAIL

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$615M

Total market value of the company

Trailing P/E

9.33

Very cheap relative to earnings

Forward P/E

8.85

Based on estimated future earnings — lower means cheaper

Rev Growth

-3.7%

Year-over-year revenue change

Profit Margin

6.8%

How much profit the company keeps from each dollar of revenue

ROE

10.6%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$19.25

+12% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 2 analysts covering this stock

About Donegal Group Inc

Donegal Group Inc., an insurance holding company, provides commercial and personal lines of property and casualty coverages. It operates through three segments: Investment Function, Commercial Lines of Insurance, and Personal Lines of Insurance. The company offers 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 for commercial automobile; protection to businesses agains

https://www.donegalgroup.com

Country: United States Industry: Insurance - Property & Casualty

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

ACCUMULATION

Smart money appears to be building positions quietly

Sharpe Ratio

0.781

Good returns relative to risk taken

Kelly Fraction

0.0454

Modest edge detected — smaller position warranted

Calmar Ratio

0.885

Acceptable balance between returns and drawdown risk

Annual Return

18.1%

Historical annualised return based on price data

Max Drawdown

-20.4%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

-0.01

Very low correlation to market moves

52W High

$21.06

18% below the year high

52W Low

$16.11

7% above the year low

Avg Volume

120,523

Average daily shares traded — higher means easier to buy and sell

Short Ratio

5.4

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

453.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$1.78

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

5.39

Heavy leverage — higher financial risk if revenues decline

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

8.5%

Revenue left after cost of goods — higher means pricing power

Operating Margin

6.1%

Profit from core operations before interest and tax

Free Cash Flow

$47M

Positive — the business generates more cash than it spends

Revenue (TTM)

$969M

Total revenue over the last 12 months

Net Income

$66M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$20.50

Target Median

$19.25

Target Low

$18.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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