Stock Ratings / Financials / DGICB / dividends

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

$23.70 -8.49% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $23.29

Donegal Group Inc. (Class B) (DGICB) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $879.7M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $23.29 (-1.72%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 7.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 57/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.2% avg 90D alpha vs SPY • 52.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

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 D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE-0.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for DGICB)Realized 20D OHLCV Swing Band: ±8.6%

Deterministic 5-Pillar Attribution (57/100 Composite)

🔍 WHY DGICB SCORES 57/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (30% of score)

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

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

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

Q1 (-3Q)

Grade D$18.30+4.3% Next Q

Q2 (-2Q)

Grade C-$19.09+25.7% Next Q

Q3 (-1Q)

Grade C-$23.99-1.2% Next Q

Current

Grade D+$23.70-0.2% Hist 90D α

Trajectory: D (49) → D+ (57)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 DGICB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 57/100 (D+) score, DGICB faces multiple-compression risk if 11.1x 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 ($21.31) or 200D SMA ($19.76) invalidates the momentum regime and cuts Target Base ($23.59) toward Bear Floor ($18.40).

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

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

YES 57%NO 43%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

4.72% Total Yield

2.92% Cash ($0.69/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

23.8% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (8.2% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $21,992

Est. Year-10 Shareholder Yield: $1,038/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.8K

Yr 1

$11.7K

Yr 2

$12.7K

Yr 3

$13.7K

Yr 4

$14.8K

Yr 5

$16.0K

Yr 6

$17.4K

Yr 7

$18.8K

Yr 8

$20.3K

Yr 9

$22.0K

Yr 10

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 DGICB)

✓Walkthrough of DGICB'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

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

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

DGICB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +23.12%▼ DESCENDING CHANNEL

2026-10-30O $21.50H $24.99L $21.50C $23.70VOL 900

RES: $25.89SUP: $12.73SMA50: $21.31SMA200: $19.76

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

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

🦋 DGICB Butterfly Map → + Track DGICB →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

0.9%/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 DGICB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for DGICB 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 (DGICB)

Financials Rank #641 of 1096 ⚔️ EIG vs DGICB Full Matrix →

1. Head-to-Head Financials Peer Comparison (DGICB vs. EIG, ROOT, HIPO, IGIC)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Donegal Group Inc. (Class B) (DGICB) ranks #641 by composite RQD confidence (57/100, grade D+) and #578 by equity capitalization ($879.7M). Within this direct 5-issuer industry benchmark cohort, IGIC leads on earnings valuation at 8.3x trailing P/E, while ROOT leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. ROOT currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with DGICB at 57/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
DGICB ACTIVE Donegal Group Inc. (Class B)	D+	57/100	11.1x	—	12.4%	-8.49%	$879.7M	Benchmark Subject
EIG Employers Holdings Inc	D	48/100	81.6x	—	1.1%	-4.53%	$881.5M	/eig-vs-dgicb →
ROOT Root Inc. (Class A)	B-	70/100	20.8x	—	85.0%	+3.13%	$832.5M	/root-vs-dgicb →
HIPO Hippo Holdings Inc.	D+	58/100	15.7x	—	14.4%	-1.46%	$980.6M	/hipo-vs-dgicb →
IGIC International General Insurance Holdings Ltd. Ordinary Share	D+	58/100	8.3x	—	17.9%	+1.69%	$1.06B	/igic-vs-dgicb →

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-01, Donegal Group Inc. (Class B) (NASDAQ: DGICB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $23.70 (-8.49% 1D, market cap $879.7M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 4/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, DGICB ranks #641 in composite RQD confidence.

How does DGICB compare to EIG and ROOT in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), DGICB carries a Roarable D+ (57/100 RQD), trailing P/E of 11.1x, gross margin of —, and ROIC of 12.4%. By comparison, EIG (Employers Holdings Inc) holds a D grade (48/100 RQD, P/E 81.6x, ROIC 1.1%, cap $881.5M) 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, IGIC leads on earnings multiple (8.3x) while ROOT leads on capital efficiency (85.0% ROIC).

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

Per DGICB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000800457), Donegal Group Inc. (Class B) 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 DGICB trading relative to its 50-day, 200-day, and 52-week technical levels?

DGICB last traded at $23.70 (-8.49% on volume of 5,862 shares), positioning the stock +11.22% above its 50-day simple moving average ($21.31) and +19.94% above its 200-day simple moving average ($19.76). Across its 52-week range of $15.10 to $29.99, DGICB sits at the 57.8% percentile with a 14-day RSI of 64.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.6% ($21.66 to $25.74).

DGICB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does DGICB pay a dividend and is it safe?

Donegal Group Inc. (Class B) (DGICB) offers a 2.92% cash dividend yield ($0.69 annualized) and 4.72% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

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