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DGICA

Donegal GroupB
Nasdaq / Insurance
Last Price
At close
2026-07-20
View Chart
Current thesis
Sustained reserve releases, consistent underwriting improvement, and disciplined capital returns (dividends or repurchases) drive a re-rating to the analyst high of $22.00 within the recommendation timeframe.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.2.
What can break
Large catastrophe or loss events [#SERP-2]
Momentum
45
Value
61
Sentiment
55
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $20.16 · Bull $22.00 · Bear $16.04
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-16 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $20.25
Why
Momentum45 · Δ7d -4.5
Value61 · Δ7d -0.2
Sentiment55 · Δ7d -2.9
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
45
26% active weight
Current posture
7d trendFlat
Δ7d
-4.5
Δ21d
-4.8
Value
61
39% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
+0.7
Sentiment
55
34% active weight
Current posture
7d trendSoftening
Δ7d
-2.9
Δ21d
-1.8
Why this grade

Composite grade B. Momentum 44.6 / Value 60.6 / Sentiment 54.6

Fundamentals (TTM)
As of 2026-07-20
Market Cap
$736.04M
Beta
0.02
Shares Out
36.49M
P/E (TTM)
8.1
P/S (TTM)
0.71
P/FCF (TTM)
10.99
Rev YoY
-3.7%
EPS YoY
-56.2%
Gross Margin
-
Op Margin
+10.9%
Net Debt
$8.21M
Current Ratio
0.41
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology