DGICB
Donegal Group Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Strong sell
-57/100
Last price
16.77
▼ 0.72 (4.11%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
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Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
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H —
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Range —
Vol —
vs
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Open
—
Prev close
17.49
Day high
16.77
Day low
16.77
Volume
816
Market cap
$622.54M
P/E (TTM)
8.74
52W range
14.87 – 29.99
Trailing performance
Returnvs SPY
1W
+7.98%
+6.0%
1M
-32.24%
-33.4%
3M
-29.60%
-34.1%
6M
-5.20%
-23.4%
YTD
-5.20%
-19.5%
1Y
-0.42%
-16.8%
3Y
+22.41%
-59.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on DGICB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
10.39K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Nov 21, 25 | DONEGAL MUTUAL INSURANCE COMPANY Beneficial Owner of more than 10% of a Class of Security |
BUY | 43.40K | $759.57K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
DONEGAL MUTUAL INSURANCE COMPANY |
Beneficial Owner of more than 10% of a Class of Security | 4.75M | Purchase |
Fundamentals
Market cap$622.54M
Enterprise value$607.29M
Revenue (TTM)$963.18M
Gross profit$90.51M
EBITDA$91.54M
Net income$71.09M
EPS (TTM)$1.92
Free cash flow$41.86M
Total cash$50.25M
Total debt$35.00M
Book value / share$17.94
Shares outstanding5.58M
Float17.44M
Short % of float0.69%
Dividend yield4.17%
Beta (5Y)-0.05
Valuation & profitability ratios
Trailing P/E8.74
Forward P/E—
PEG ratio1.90
Price / sales—
Price / book0.93
EV / revenue0.63
EV / EBITDA6.63
Gross margin9.40%
Operating margin11.56%
Profit margin7.38%
Return on equity11.18%
Return on assets2.28%
Debt / equity5.25
Current ratio0.51
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $978.01M | $989.61M | $927.34M | $848.22M | -1.2% |
| Operating revenue | $978.01M | $989.61M | $927.34M | $848.22M | -1.2% |
| Net interest income | -$1.35M | -$946.02K | -$619.81K | -$620.56K | -42.8% |
| Pre-tax income | $97.59M | $62.34M | $5.06M | -$3.64M | +56.6% |
| Tax provision | $18.25M | $11.48M | $637.97K | -$1.68M | +59.0% |
| Net income | $79.34M | $50.86M | $4.43M | -$1.96M | +56.0% |
| Net income to common | $79.34M | $50.86M | $4.43M | -$1.96M | +56.0% |
| Basic EPS | 2.22 | 1.53 | 0.14 | -0.06 | +45.1% |
| Diluted EPS | 2.18 | 1.53 | 0.11 | -0.06 | +42.5% |
| EBIT | $98.94M | $63.28M | $5.68M | -$3.02M | +56.3% |
| Basic shares | 36.32M | 33.73M | 33.05M | 31.99M | +7.7% |
| Diluted shares | 36.82M | 33.82M | 33.14M | 32.11M | +8.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $26.79M | $52.93M | $23.79M | $25.12M | -49.4% |
| Cash & short-term investments | $521.17M | $695.38M | $645.45M | $606.24M | -25.1% |
| Accounts receivable | $579.39M | $601.87M | $622.52M | $630.37M | -3.7% |
| Property, plant & equipment | $2.33M | $2.48M | $2.63M | $2.76M | -6.0% |
| Goodwill & intangibles | $6.58M | $6.58M | $6.58M | $6.58M | 0.0% |
| Total assets | $2.39B | $2.34B | $2.27B | $2.24B | +2.2% |
| Current debt | $35.00M | $35.00M | $35.00M | $35.00M | 0.0% |
| Total debt | $35.00M | $35.00M | $35.00M | $35.00M | 0.0% |
| Total liabilities | $1.75B | $1.79B | $1.79B | $1.76B | -2.5% |
| Retained earnings | $297.73M | $245.14M | $217.79M | $240.56M | +21.5% |
| Shareholder equity | $640.42M | $545.78M | $479.75M | $483.59M | +17.3% |
| Net tangible assets | $633.83M | $539.19M | $473.16M | $477.01M | +17.6% |
| Shares issued | 40.03M | 38.60M | 36.41M | 35.77M | +3.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $79.34M | $50.86M | $4.43M | -$1.96M | +56.0% |
| Depreciation & amortisation | $3.08M | $3.87M | $4.33M | $4.84M | -20.6% |
| Change in working capital | -$11.60M | $17.69M | $23.04M | $54.04M | -165.6% |
| Operating cash flow | $70.20M | $67.44M | $28.62M | $67.11M | +4.1% |
| Capital expenditure | -$425 | — | -$44.70K | — | — |
| Investing cash flow | -$91.13M | -$48.04M | -$16.71M | -$98.50M | -89.7% |
| Dividends paid | -$25.67M | -$22.70M | -$21.89M | -$20.50M | -13.1% |
| Financing cash flow | -$5.21M | $9.73M | -$13.25M | -$1.20M | -153.5% |
| Free cash flow | $70.20M | $67.44M | $28.58M | $67.11M | +4.1% |
| End cash position | $26.79M | $52.93M | $23.79M | $25.12M | -49.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $241.12M | $236.00M | $240.14M | $245.92M | $247.15M | +2.2% |
| Operating revenue | $241.12M | $236.00M | $240.14M | $245.92M | $247.15M | +2.2% |
| Net interest income | -$336.73K | -$333.02K | -$340.43K | -$340.43K | -$336.70K | -1.1% |
| Pre-tax income | $27.55M | $14.12M | $20.96M | $25.05M | $20.42M | +95.1% |
| Tax provision | $5.24M | $2.61M | $3.77M | $4.97M | $3.56M | +100.7% |
| Net income | $22.31M | $11.51M | $17.19M | $20.08M | $16.87M | +93.8% |
| Net income to common | $22.31M | $11.51M | $17.19M | $20.08M | $16.87M | +93.8% |
| Basic EPS | 0.61 | 0.32 | 0.47 | 0.56 | 0.47 | +90.6% |
| Diluted EPS | 0.60 | 0.31 | 0.47 | 0.55 | 0.46 | +93.5% |
| EBIT | $27.88M | $14.46M | $21.30M | $25.39M | $20.76M | +92.9% |
| Basic shares | 37.05M | 37.01M | 36.79M | 36.53M | 36.25M | +0.1% |
| Diluted shares | 37.47M | 37.50M | 37.34M | 37.02M | 36.91M | -0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $23.72M | $35.50M | $26.79M | $38.57M | $57.44M | -33.2% |
| Cash & short-term investments | $492.61M | $510.89M | $521.17M | $512.38M | $468.20M | -3.6% |
| Accounts receivable | $630.94M | $615.42M | $579.39M | $596.66M | $613.00M | +2.5% |
| Property, plant & equipment | $1.14M | $2.29M | $2.33M | $2.37M | $2.40M | -50.2% |
| Goodwill & intangibles | $6.58M | $6.58M | $6.58M | $6.58M | $6.58M | 0.0% |
| Total assets | $2.48B | $2.45B | $2.39B | $2.42B | $2.41B | +1.4% |
| Current debt | $35.00M | $35.00M | $35.00M | $35.00M | $35.00M | 0.0% |
| Total debt | $35.00M | $35.00M | $35.00M | $35.00M | $35.00M | 0.0% |
| Total liabilities | $1.82B | $1.80B | $1.75B | $1.79B | $1.80B | +0.9% |
| Retained earnings | $324.27M | $309.08M | $297.73M | $293.80M | $280.47M | +4.9% |
| Shareholder equity | $666.11M | $649.09M | $640.42M | $627.44M | $605.67M | +2.6% |
| Net tangible assets | $659.53M | $642.51M | $633.83M | $620.86M | $599.09M | +2.6% |
| Shares issued | 37.05M | 40.09M | 40.03M | 39.69M | 39.51M | -7.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $22.31M | $11.51M | $17.19M | $20.08M | $16.87M | — | +93.8% |
| Depreciation & amortisation | $513.75K | $857.40K | $425.30K | $717.30K | $912.48K | — | -40.1% |
| Change in working capital | -$13.65M | $7.33M | -$9.37M | $2.83M | -$4.10M | — | -286.3% |
| Operating cash flow | $5.90M | $20.17M | $9.97M | $22.35M | $12.13M | — | -70.8% |
| Capital expenditure | — | — | -$323 | -$2 | — | -$100 | — |
| Investing cash flow | -$11.22M | -$5.41M | -$20.25M | -$37.18M | -$18.78M | — | -107.3% |
| Dividends paid | -$7.03M | -$6.66M | -$6.59M | -$6.56M | -$6.49M | — | -5.7% |
| Financing cash flow | -$6.46M | -$6.04M | -$1.50M | -$4.04M | -$225.72K | — | -6.9% |
| Free cash flow | $5.90M | $20.17M | $9.97M | $22.35M | $12.13M | — | -70.8% |
| End cash position | $23.72M | $35.50M | $26.79M | $38.57M | $57.44M | — | -33.2% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $236.81M | -3.7% |
| Next quarter | — | — | $236.11M | — |
| Current year | — | — | $950.08M | — |
| Next year | — | — | $947.24M | -0.3% |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders0.03%
Held by institutions93.15%
Institutions holding16
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
17.22
-2.63% from price
SMA 20
19.92
-15.83% from price
SMA 50
22.13
-24.23% from price
SMA 100
21.59
-22.32% from price
SMA 200
19.39
-13.52% from price
EMA 12
17.96
-6.61% from price
EMA 26
19.77
-15.16% from price
EMA 50
20.96
-19.98% from price
RSI (14)
36.9
Neutral
MACD (12,26,9)
-1.81
Hist -0.20
ATR (14)
1.61
9.57% of price
Realised vol 30D
86.2%
Annualised
Bollinger upper
26.71
20, 2σ
Bollinger lower
13.14
20, 2σ
50 / 200 cross
Golden
22.13 vs 19.39
Trend bias
Below 200
-13.52%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.10
Less volatile than market
Correlation to SPY
0.02
Largely independent
Realised vol 30D
86.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-41.8%
Peak to trough
Max drawdown 5Y
-46.6%
Peak to trough
ATR 14
1.61
9.57% of price
Beta (reported)
-0.05
5Y monthly, from filing
Short interest
Shares short
5.65K
Prior 6.23K
Change vs prior
-9.3%
Shorts covering
% of float
0.69%
Normal
% of shares out
0.02%
Against total outstanding
Days to cover
10.3
Crowded exit
Float
17.44M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate$0.70 / yr
Forward yield4.17%
5-year avg yield4.01%
Payout ratio34.90%
Ex-dividend dateJul 31, 2026
Next pay dateAug 14, 2026
Last split4:3
Split dateApr 27, 2006
Headlines
Donegal Group Inc. Announces Release Date for Third Quarter 2026 Results
GlobeNewswire · 17h ago
Donegal Group Inc (DGICA) (Q2 2026) Earnings Call Highlights: Strong Underwriting and ...
GuruFocus.com · 61d ago
Donegal Group Insider Sold Shares Worth $467,280, According to a Recent SEC Filing
MT Newswires · 63d ago
Donegal Group (DGICA) Surpasses Q2 Earnings Estimates
Zacks · 69d ago
Donegal: Q2 Earnings Snapshot
Associated Press · 69d ago
Donegal Group Inc. Announces Second Quarter and First Half 2026 Results
GlobeNewswire · 69d ago
Earnings To Watch: Donegal Group Inc (DGICA) Q2 2026 -- GF Value Sees 27% Downside
GuruFocus.com · 70d ago
Axis Capital (AXS) Misses Q2 Earnings and Revenue Estimates
Zacks · 71d ago
PRIVATE STRATEGY · BY QUALIFICATION
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