Donegal Group Inc. (Class A) (DGICA) Dividend Safety Gauge & 10-Year DRIP Compounder

$18.72 -0.58% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $18.66

Donegal Group Inc. (Class A) (DGICA) carries a Roarable Rating of C (Hold) with 64/100 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 β€’ HOLD / WATCH Cap $699.0M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on DGICA Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is DGICA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-02, 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 64/100 at a spot price of $18.72 (-0.58% 1D, market cap $699.0M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, DGICA ranks #316 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does DGICA compare to TIPT and ROOT in the Financials sector?
β–Ό

Within the Financials sector (Property-Casualty Insurers), DGICA carries a Roarable C (64/100 RQD), trailing P/E of 8.8x, gross margin of β€”, 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 C grade (62/100 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).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for DGICA?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $18.67 (-0.29%)🧬 Cannibal Buyback (-2.64% YoY Shares)βš™οΈ Cash Engine: 11/20 (D+) β€’ 7.2% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY β€’ 55.2% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C
025507510064
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

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

5-PILLAR SNOWFLAKE RADARRw C Β· Rk C+
Cash (11)Whales (9)SEC (13)Macro (14)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+2.7% Base Target
$23 Bull$19 Base$15 Bear
πŸ“¬ FREE DGICA RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for DGICA)Realized 20D OHLCV Swing Band: Β±5.6%
Deterministic 5-Pillar Attribution (64/100 Composite)
πŸ” WHY DGICA SCORES 64/100 (C) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy β€’ Cannibal Buyback (-2.64% YoY Shares)

β–² #2 Bullish Driver: Macro Regime Fit+14/20 pts (22% of score)

FRED Regime Γ— Technicals: 53% of 52W Range β€’ RSI-14 at 53.8 (NEUTRAL RANGE)

β–Ό #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
56
Grade C$18.23+1% Next Q
Q2 (-2Q)
59
Grade C$18.41+2.8% Next Q
Q3 (-1Q)
61
Grade C$18.93-1.1% Next Q
Current
64
Grade C$18.72+1.1% Hist 90D Ξ±
Trajectory: C (56) β†’ C (64)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the DGICA Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 64/100 (C) score, DGICA faces multiple-compression risk if 8.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

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

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($18.71) or 200D SMA ($18.12) invalidates the momentum regime and cuts Target Base ($19.23) toward Bear Floor ($15.00).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $DGICAβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œDGICA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
CASH DIVIDEND + BUYBACK YIELD
5.47% Total Yield
3.67% Cash ($0.69/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 β€’ FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
23.8% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (9% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $23,674

Est. Year-10 Shareholder Yield: $1,295/yr
$10.9K
Yr 1
$11.9K
Yr 2
$13.0K
Yr 3
$14.1K
Yr 4
$15.4K
Yr 5
$16.8K
Yr 6
$18.3K
Yr 7
$19.9K
Yr 8
$21.7K
Yr 9
$23.7K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in DGICA & A-Rated Leaders

  • βœ“12-month Bull/Base/Bear fair-value walkthrough on DGICA and its top sector peer
  • βœ“Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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DGICA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.71%β–Ό DESCENDING CHANNEL
2026-11-02O $18.63H $18.83L $18.63C $18.72VOL 162.4K
RES: $19.44SUP: $17.56SMA50: $18.71SMA200: $18.12
$20.51$19.32$18.12$16.93$15.74RES $19.44SUP $17.56$18.722026-05-042026-06-172026-08-042026-09-172026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

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 β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (DGICA)

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 #316 by composite RQD confidence (64/100, 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 β€” gross margin. AII currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with DGICA at 64/100 (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 64/100 8.8x β€” 12.4% -0.58% $699.0M Benchmark Subject
TIPT
Tiptree Inc.
D 45/100 18.0x β€” -6.8% -1.04% $627.2M /tipt-vs-dgica β†’
ROOT
Root Inc. (Class A)
C 62/100 20.8x β€” 85.0% -3.67% $832.5M /root-vs-dgica β†’
AII
American Integrity Insurance Group Inc.
B+ 77/100 5.6x β€” 29.6% +1.92% $562.6M /aii-vs-dgica β†’
DGICB
Donegal Group Inc. (Class B)
B- 70/100 11.1x β€” 12.4% +5.44% $879.7M /dgicb-vs-dgica β†’

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

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ 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 β€”
FY2024 (FY) 2024-12-31 $989.6M $50.9M $67.4M $67.4M $2.34B β€”
FY2023 (FY) 2023-12-31 $927.3M $4.4M $28.6M $28.6M β€” β€”

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

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-02, 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 64/100 at a spot price of $18.72 (-0.58% 1D, market cap $699.0M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, DGICA ranks #316 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 (64/100 RQD), trailing P/E of 8.8x, gross margin of β€”, 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 C grade (62/100 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 $18.72 (-0.58% on volume of 147,364 shares), positioning the stock +0.05% above its 50-day simple moving average ($18.71) and +3.31% above its 200-day simple moving average ($18.12). Across its 52-week range of $16.11 to $21.06, DGICA sits at the 52.7% percentile with a 14-day RSI of 53.8 (NEUTRAL RANGE) and an implied next-earnings move of Β±5.6% ($17.67 to $19.77).

DGICA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS β€’ SEC EDGAR Γ— CBOE Γ— FRED

Does DGICA pay a dividend and is it safe?

Donegal Group Inc. (Class A) (DGICA) offers a 3.67% cash dividend yield ($0.69 annualized) and 5.47% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

ROARABLE RATING BRIEF β€’ RQD 64/100 (C) βœ“ STAGE-C NUMBER FIREWALL VERIFIED

DGICA β€” Donegal Group Inc. (Class A): What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:33:43Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, DGICA scores 64 out of 100, grade C, labeled "Roarable Hold β€” Fair / Balanced Risk-Reward." The five pillars are:

  • Fundamental Cash Engine: 11 / 20. Per the Roarable RQD rating, this pillar cites ROIC of 12.4% and FCF yield of 10.04%. The cash-generation profile is a relative strength, but the pillar score sits in the lower half of its range, which indicates the cash signal alone does not carry the rating.
  • Whale 13F Flow: 9 / 20. Per the Roarable RQD rating, this pillar reflects institutional accumulation and options positioning. It is the weakest pillar, suggesting institutional conviction is not a strong tailwind at present.
  • Insider Conviction: 17 / 20. Per the Roarable RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow. It is the strongest pillar and the main source of positive signal in the score.
  • Macro Regime Fit: 14 / 20. Per the Roarable RQD rating, beta is 1.0 with sector sensitivity noted. The stock's market sensitivity is neutral to the broader market.
  • Forensic Balance Sheet: 13 / 20. Per the Roarable RQD rating, this pillar cites Altman Z of 2.5, Piotroski F of 4/9, and Debt/Equity of 0.5. Balance-sheet metrics are moderate rather than clearly strong.

For a prospective investor evaluating the stock today, the rating points to a balanced setup: solid cash-return metrics and notable insider-flow strength, offset by weak institutional-flow signals and only moderate forensic scores. The rating does not signal a strong upside or downside case on its own; the valuation tradeoff (low P/E against the mixed quality signals) and the fact that the score is labeled a hold both argue for treating the stock as a balanced rather than compelling opportunity pending further evidence.

Business

Donegal Group Inc. (Class A) is listed on NASDAQ under DGICA and operates in the Financials sector, Property-Casualty Insurers industry, per the profile. Not available in source data for product lines, customer base, or revenue-generation specifics beyond the sector and industry classification.

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$978.0M$0.0M$79.3MN/A$70.2MN/AN/A
FY 2024$989.6M$0.0M$50.9MN/A$67.4MN/AN/A
FY 2023$927.3M$0.0M$4.4MN/A$28.6MN/AN/A

Per the SEC financials, net income rose from $4.4M in FY 2023 to $50.9M in FY 2024 and $79.3M in FY 2025, while revenue moved from $927.3M to $989.6M and then $978.0M. Per the market data, net margin is 8.1%, while gross and operating margins are listed as 0%. ROIC is 12.4% per the market data. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 4/9, and Debt/Equity is 0.5. Cash and debt line items are not available in source data for the reported periods.

Recent Catalysts & News Wire Analysis

Per the recent news feed, the most recent headlines include a Yahoo Finance report on Q3 earnings and revenues topping estimates, a MarketBeat report stating the company beat estimates by $0.06 EPS (flagged as a catalyst), a Stock Titan report on a BlackRock position of 1.54M shares as of September 30, and a Quiver Quantitative report on Q3 2026 earnings. Additional items from TradingView and Stock Traders Daily reference estimates and rotational strategy timing. Per the feed, most items are flagged as market-wire items; the MarketBeat earnings-beat item is flagged as a catalyst. Risk watch items are not identified in the source data. Per the Butterfly Supply-Chain Graph, no supply-chain links or proprietary signals are present.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependencies, sector correlations, and 2nd-order bottlenecks are not available in source data.

Open Questions

  • What are the cash and debt balances for the reported periods, and how do they affect the Altman Z and Debt/Equity readings?
  • What explains the gap between FY 2023 net income of $4.4M and the subsequent increases, and is FY 2025 earnings growth sustainable at the current revenue level?
  • Who are the institutional holders and insider traders behind the pillar scores, given that holder data is not available?
  • What is the operating margin and EV/EBITDA, since both are missing or zeroed in the source data?
  • What specific risks or catalysts beyond the earnings beat are relevant to the stock's outlook?

DGICA Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Donegal Group Inc. (Class A) (DGICA) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to DGICA Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

DGICA Bull vs. Bear Conversation Board β€” What's Your Call at $18.72?

πŸ‚ 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON DGICA 🐻 50% BEARISH CONVICTION
1. Pick Your Side on DGICA:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk βš–οΈ DEBATE HOST 🎯 Target: $20.34 (+8.0%)
πŸ“Œ Pinned Debate

πŸ”₯ Official Bull vs. Bear Debate: Is DGICA (C β€’ RQD 64/100) a Buy at $18.83?

Welcome to the DGICA (Donegal Group Inc. (Class A)) Roar Pit. Current RQD Composite is 64/100 (Roarable Hold β€” Fair / Balanced Risk-Reward) in Property-Casualty Insurers. Bulls point to capital efficiency (12.4% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (πŸ‚ Bull or 🐻 Bear) and drop your price target below.

FO ForensicBear Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $14.69 (-22.0%)
Spot @ $18.83

Pump the brakes on DGICA β€” check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on DGICA, but look at what you are paying: 8.8x trailing P/E with tightening sector spreads. Unless Donegal Group Inc. (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

DE DeltaGamma_99 Verified K Arena Trader πŸ‚ BULLISH 🎯 Target: $21.65 (+15.0%)
Spot @ $18.83

DGICA cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on DGICA, the market is fixating on short-term headline noise in Property-Casualty Insurers and ignoring the balance sheet and cash flow trajectory. At $18.83 (52-wk range $16.11 - $21.06), any beat on forward guidance forces shorts and underweight funds to chase.

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