Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
DGICB 
Donegal Group B Inc (DGICB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: DGICB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -6.09% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 701.28M USD | Price to earnings Ratio 11.11 | 1Y Target Price - |
Price to earnings Ratio 11.11 | 1Y Target Price - | ||
Volume (30-day avg) 1524 | Beta -0.07 | 52 Weeks Range 10.39 - 18.50 | Updated Date 04/1/2025 |
52 Weeks Range 10.39 - 18.50 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.75% | Basic EPS (TTM) 1.53 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.14% | Operating Margin (TTM) 11.98% |
Management Effectiveness
Return on Assets (TTM) 1.72% | Return on Equity (TTM) 9.92% |
Valuation
Trailing PE 11.11 | Forward PE 14.37 | Enterprise Value 664788533 | Price to Sales(TTM) 0.71 |
Enterprise Value 664788533 | Price to Sales(TTM) 0.71 | ||
Enterprise Value to Revenue 0.67 | Enterprise Value to EBITDA - | Shares Outstanding 5576780 | Shares Floating 17006139 |
Shares Outstanding 5576780 | Shares Floating 17006139 | ||
Percent Insiders 0.03 | Percent Institutions 91.29 |
Analyst Ratings
Rating 3 | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Donegal Group B Inc
Company Overview
History and Background
Donegal Group Inc. was founded in 1889. The company has evolved from a local fire insurance company to a regional property-casualty insurance provider operating across multiple states. Donegal provides personal and commercial lines of insurance through independent agents.
Core Business Areas
- Commercial Lines: Provides a range of commercial property and casualty insurance products, covering businesses against risks such as property damage, liability claims, and business interruption.
- Personal Lines: Offers personal auto, homeowners, and umbrella insurance policies to individuals and families.
- Investment Management: Manages the company's investment portfolio to generate returns and support insurance operations.
Leadership and Structure
The company is led by its CEO and a team of executive officers. It has a board of directors responsible for overseeing the company's strategy and operations. The organizational structure is typical of a publicly traded insurance company, with distinct divisions for underwriting, claims, sales, and finance.
Top Products and Market Share
Key Offerings
- Commercial Property Insurance: Coverage for commercial buildings and contents against damage from fire, wind, and other perils. Market share is regional and varies by state; competitors include Travelers (TRV) and The Hartford (HIG). Revenue is estimated based on premiums written in this line.
- Competitors: Travelers (TRV), The Hartford (HIG)
- Commercial Auto Insurance: Coverage for business vehicles against accidents and liability claims. Market share is regional. Competitors include Progressive (PGR) and Liberty Mutual. Revenue is estimated based on premiums written.
- Competitors: Progressive (PGR), Liberty Mutual
- Competitors: Erie Insurance (ERIE), State Auto (STFC)
- Homeowners Insurance: Provides coverage for personal residences and belongings. Regional competitor with local focus. Erie Insurance (ERIE) and State Auto (STFC) are key competitors. Market share is regional and difficult to precisely estimate at the national level.
Market Dynamics
Industry Overview
The property-casualty insurance industry is highly competitive and cyclical, influenced by factors such as interest rates, catastrophe losses, and regulatory changes. The industry faces challenges from emerging risks like cyber liability and climate change.
Positioning
Donegal Group B Inc. operates as a regional insurance provider, focusing on building strong relationships with independent agents and providing customized solutions. Its competitive advantage lies in its local expertise and personalized service.
Total Addressable Market (TAM)
The TAM for property and casualty insurance in the US is estimated to be over $800 billion annually. Donegal has a small but established regional footprint, and there is room to grow.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Regional focus and local expertise
- Diversified product offerings
- Established brand reputation in its core markets
Weaknesses
- Limited geographic reach compared to national insurers
- Dependence on independent agents for distribution
- Smaller scale may result in higher operating costs
- Vulnerability to regional economic downturns and weather-related events
Opportunities
- Expansion into new geographic markets
- Development of new insurance products to address emerging risks
- Increased use of technology to improve efficiency and customer service
- Strategic acquisitions to broaden its footprint
Threats
- Increased competition from national insurers and direct writers
- Regulatory changes and compliance costs
- Catastrophic events and large claims losses
- Economic downturns and declining insurance demand
Competitors and Market Share
Key Competitors
- TRV
- PGR
- HIG
- ALL
- ERIE
Competitive Landscape
Donegal Group B Inc. faces intense competition from larger national insurers. It differentiates itself through its regional focus and relationships with independent agents. However, its smaller scale can be a disadvantage in terms of pricing and resource allocation.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Discuss Donegal Group B Inc's growth trends over the past years.
Future Projections: Provide projections for Donegal Group B Inc's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Donegal Group B Inc.
Summary
Donegal Group B Inc. is a regional property-casualty insurer with a strong network of independent agents. The company benefits from its local expertise and customer service. However, its limited geographic reach and smaller scale make it vulnerable to competition and economic downturns. The company needs to focus on expanding its product offerings and geographic presence to remain competitive.
Similar Companies
- TRV
- PGR
- HIG
- ALL
- AFG
- WRB
Sources and Disclaimers
Data Sources:
- Company filings, Industry reports, Market analysis
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share estimates are approximate and based on available data. Investors should conduct their own research before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Donegal Group B Inc
Exchange NASDAQ | Headquaters Marietta, PA, United States | ||
IPO Launch date 1990-03-26 | President, CEO & Chairman Mr. Kevin Gerard Burke | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees - | Website https://www.donegalgroup.com |
Full time employees - | Website https://www.donegalgroup.com | ||
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 against perils combining liability and physical damage coverages; and benefits to employees for injuries sustained during employment. It also provides 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 private passenger automobile; and coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft. The company markets its insurance products primarily to Mid-Atlantic, Midwest, Southern, and Southwestern states through a network of independent insurance agents. The company was incorporated in 1986 and is based in Marietta, Pennsylvania. Donegal Group Inc. is a subsidiary of Donegal Mutual Insurance Company.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.