Donegal Group Inc.

Donegal Group Inc.

DGICAยทNASDAQ

$16.98

-2.6%
Financial ServicesInsurance - Property & Casualty

Donegal Group Inc., an insurance holding company, provides personal and commercial lines of property and casualty insurance to businesses and individuals. It operates through three segments: Investment Function, Personal Lines of Insurance, and Commercial Lines of Insurance. The company offers private passenger automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents, as well as protection against loss from damage to automobiles; and homeowners policies, which provide coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft, as well as liability of the insured arising from injury to other persons or their property. It also offers commercial automobile policies that provide 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; commercial multi-peril policies that provide protection to businesses against combining liability and physical damage coverages; and workers' compensation policies, which provide benefits to employees for injuries sustained during employment. The company markets its insurance products primarily to Mid-Atlantic, Midwestern, New England, Southern, and Southwestern regions through approximately 2,300 independent insurance agencies. Donegal Group Inc. was incorporated in 1986 and is headquartered in Marietta, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$622.29M
EPS2.2200
P/E Ratio7.74
Earnings Date07/23/2026
Donegal Group Inc.

Donegal Group Inc. Fair Value Envelope

DGICA ยท NASDAQ

Our analysis suggests that DGICA has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $16.98, this represents a potential HIDDEN relative to our calculated worth for Donegal Group Inc..

Intrinsic Value
Current Price: $16.98

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

$
%
$
%
$
$

Projection Settings

Forecast period and terminal assumptions

%
%

DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$1.4B
+ Cash & Equivalents$26.8M
Firm Value$1.4B
- Debt$35.0M
Equity Value$1.4B
/ Shares Outstanding35,763,589B
DCF Value$39
UNDERVALUED BY 129%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$73.1M
$76.1M
$79.2M
$82.4M
$85.8M
$89.3M
$92.9M
$96.7M
$100.7M
$104.8M
Maintenance CapEx
-$88
-$92
-$96
-$100
-$104
-$108
-$113
-$117
-$122
-$127
Owner Earnings
$73.1M
$76.1M
$79.2M
$82.4M
$85.8M
$89.3M
$92.9M
$96.7M
$100.7M
$104.8M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$67.7M
$65.2M
$62.8M
$60.6M
$58.4M
$56.3M
$54.2M
$52.3M
$50.4M
$48.6M
Terminal Value represents 58.9% of Enterprise Value