TIPT (45) ROOT (70) AII (75) DGICB (57) ⌘ Pro Terminal →

Donegal Group Inc. (Class A) (DGICA) — RQD Stock Rating Cockpit

$18.83 +1.07% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Donegal Group Inc. (Class A) (DGICA) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $699.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for DGICA)Realized 20D OHLCV Swing Band: ±5.7%

RSI-14 MOMENTUMNEUTRAL RANGE

51.830 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE55% OF RANGE

L: $16$18.83H: $21

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on DGICA

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

12.4% ROIC with 42.0% gross margin and 10.04% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (75)

29/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like DGICA

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (DGICA Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

DGICA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +11.95%⚡ TESTING RESISTANCE

2026-10-30O $18.97H $19.43L $18.51C $18.83VOL 147.3K

RES: $19.02SUP: $17.57SMA50: $18.71SMA200: $18.12

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

DGICA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 DGICA Butterfly Map → + Track DGICA →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-3.7%/yr Implied 5Y Growth

vs. -1.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on DGICA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for DGICA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for DGICA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (DGICA)

Financials Rank #188 of 1096 ⚔️ TIPT vs DGICA Full Matrix →

1. Head-to-Head Financials Peer Comparison (DGICA vs. TIPT, ROOT, AII, DGICB)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Donegal Group Inc. (Class A) (DGICA) ranks #188 by composite RQD confidence (69/100, grade C+) and #626 by equity capitalization ($699.0M). Within this direct 5-issuer industry benchmark cohort, AII leads on earnings valuation at 5.6x trailing P/E, while ROOT leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. AII currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with DGICA at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
DGICA ACTIVE Donegal Group Inc. (Class A)	C+	69/100	8.8x	—	12.4%	+1.07%	$699.0M	Benchmark Subject
TIPT Tiptree Inc.	D	45/100	18.0x	—	-6.8%	+0.06%	$627.2M	/tipt-vs-dgica →
ROOT Root Inc. (Class A)	B-	70/100	20.8x	—	85.0%	+3.13%	$832.5M	/root-vs-dgica →
AII American Integrity Insurance Group Inc.	B	75/100	5.6x	—	29.6%	+2.54%	$562.6M	/aii-vs-dgica →
DGICB Donegal Group Inc. (Class B)	D+	57/100	11.1x	—	12.4%	-8.49%	$879.7M	/dgicb-vs-dgica →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000800457

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Donegal Group Inc. (Class A) (DGICA) reported GAAP revenue of $978.0M (-1.2% vs. FY2024 revenue of $989.6M , and +5.5% cumulative change since FY2023) , GAAP net income of $79.3M, operating cash flow of $70.2M, and free cash flow of $70.2M (+4.1% YoY). On the balance sheet, DGICA closed FY2025 with $2.39B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$978.0M	$79.3M	$70.2M	$70.2M	$2.39B	—
FY2024 (FY)	2024-12-31	$989.6M	$50.9M	$67.4M	$67.4M	$2.34B	—
FY2023 (FY)	2023-12-31	$927.3M	$4.4M	$28.6M	$28.6M	—	—

3. DGICA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is DGICA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Donegal Group Inc. (Class A) (NASDAQ: DGICA) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $18.83 (+1.07% 1D, market cap $699.0M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, DGICA ranks #188 in composite RQD confidence.

How does DGICA compare to TIPT and ROOT in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), DGICA carries a Roarable C+ (69/100 RQD), trailing P/E of 8.8x, gross margin of —, and ROIC of 12.4%. By comparison, TIPT (Tiptree Inc.) holds a D grade (45/100 RQD, P/E 18.0x, ROIC -6.8%, cap $627.2M) and ROOT (Root Inc. (Class A)) posts a B- grade (70/100 RQD, P/E 20.8x, ROIC 85.0%, cap $832.5M). Among the 5-stock peer group, AII leads on earnings multiple (5.6x) while ROOT leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for DGICA?

Per DGICA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000800457), Donegal Group Inc. (Class A) generated $978.0M in revenue (-1.2% YoY), $79.3M in net income, and $70.2M in free cash flow against $2.39B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is DGICA trading relative to its 50-day, 200-day, and 52-week technical levels?

DGICA last traded at $18.83 (+1.07% on volume of 162,356 shares), positioning the stock +0.64% above its 50-day simple moving average ($18.71) and +3.92% above its 200-day simple moving average ($18.12). Across its 52-week range of $16.11 to $21.06, DGICA sits at the 54.9% percentile with a 14-day RSI of 51.8 (NEUTRAL RANGE) and an implied next-earnings move of ±5.7% ($17.76 to $19.90).

DGICA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell DGICA stock right now?

Donegal Group Inc. (Class A) (DGICA) currently earns a Roarable Rating of C+ (Hold — HOLD) with 69/100 RQD Confidence. Solid steady margins (12% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.

What is DGICA's 12-month price target and RQD AI Jury consensus?

DGICA's 12-month base price target is $19.76 (range $15.41 to $23.32), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: DGICA RQD Cockpit DGICA 12M Forecast DGICA Earnings & Move DGICA Dividends & DRIP DGICA Insiders & 13F DGICA Whale Options DGICA Profit Sankey DGICA News & Why