Stock Ratings / Financials / DGICA / financials

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

Donegal Group Inc. (Class A) (DGICA) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$18.83 +1.07% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $18.83

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.

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY) →

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

EXT / AFTER-HRS: $18.83 (+0.00%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 7.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (69/100 Composite)

🔍 WHY DGICA SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

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

▲ #2 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 55% of 52W Range • RSI-14 at 51.8 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Cash Engine Quality11/20 pts (-9 pt drag)

Capital intensity & 0% operating margin leave 9 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$18.23+2.5% Next Q

Q2 (-2Q)

Grade C+$18.68+0.7% Next Q

Q3 (-1Q)

Grade B-$18.82+0.1% Next Q

Current

Grade C+$18.83+2% Hist 90D α

Trajectory: C (61) → C+ (69)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the DGICA Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (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) — 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 ($19.76) toward Bear Floor ($15.41).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $DGICA• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “DGICA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 69%NO 31%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How DGICA Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$70.2M (7.2% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $927.3M

FY24

Rev $989.6M

FY25

Rev $978.0M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$978.0M	52%	0%	$79.3M	$70.2M	12.4%
FY 2024	$989.6M	52%	0%	$50.9M	$67.4M	12.4%
FY 2023	$927.3M	52%	0%	$4.4M	$28.6M	12.4%

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

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring DGICA)

✓Walkthrough of DGICA's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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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

How profitable is Donegal Group Inc. (Class A) (DGICA)?

In FY 2025 (10-K), DGICA converted $978.0M of revenue into a 52% gross margin, 0% operating margin, and $70.2M in free cash flow (7.2% FCF margin).

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