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

$18.75 +1.20% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $18.75

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 • HOLD / WATCH Cap $696.0M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on DGICA Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is DGICA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, 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 $18.75 (+1.20% 1D, market cap $696.0M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, DGICA ranks #282 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does DGICA compare to TIPT and ROOT in the Financials sector?
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Within the Financials sector (Property-Casualty Insurers), DGICA carries a Roarable C (64/100 RQD), trailing P/E of 8.8x, gross margin of —, and ROIC of 12.4%. By comparison, TIPT (Tiptree Inc.) holds a D- grade (41/100 RQD, P/E 18.0x, ROIC -6.8%, cap $640.7M) and ROOT (Root Inc. (Class A)) posts a C- grade (60/100 RQD, P/E 20.8x, ROIC 85.0%, cap $801.5M). Among the 5-stock peer group, AII leads on earnings multiple (5.6x) while ROOT leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for DGICA?
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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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — 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:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $18.76 (+0.03%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 7.2% FCF Margin
Verify 90D Bucket Audit →
📊 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 • 55.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510064
Quant Analyst Panel 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 RQD RADARRw C · 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
📬 FREE DGICA RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for DGICA)Realized 20D OHLCV Swing Band: ±5.5%
Deterministic 5-Pillar Attribution (64/100 Composite)
🔍 WHY DGICA SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (27% of score)

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

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

FRED Regime × Technicals: 53% of 52W Range • RSI-14 at 52.1 (NEUTRAL RANGE)

▼ #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)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
56
Grade C$18.18+2.6% Next Q
Q2 (-2Q)
59
Grade C$18.65-0.1% Next Q
Q3 (-1Q)
61
Grade C$18.63+0.6% Next Q
Current
64
Grade C$18.75+1.1% Hist 90D α
Trajectory: C (56) → C (64)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 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) — 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 ($18.70) or 200D SMA ($18.12) invalidates the momentum regime and cuts Target Base ($19.26) toward Bear Floor ($15.02).

🎲 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 64%NO 36%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
52.130 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 RANGE53% OF RANGE
L: $16$18.75H: $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● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 26 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel 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 (67)

26/40 institutional & smart-money positioning score with 14/20 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
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DGICA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.43%▼ DESCENDING CHANNEL
2026-11-04O $18.53H $18.75L $18.53C $18.75VOL 126.1K
RES: $19.43SUP: $17.55SMA50: $18.70SMA200: $18.12
$20.50$19.34$18.19$17.03$15.87RES $19.43SUP $17.55$18.752026-05-052026-06-182026-08-052026-09-212026-11-04
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

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

Reverse-DCF Expectations Hurdle
-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

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 #282 of 1097 ⚔️ TIPT vs DGICA Full Matrix →

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

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Donegal Group Inc. (Class A) (DGICA) ranks #282 by composite RQD confidence (64/100, grade C) and #630 by equity capitalization ($696.0M). 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 78/100 (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 — 12.4% +1.20% $696.0M Benchmark Subject
TIPT
Tiptree Inc.
D- 41/100 18.0x — -6.8% +3.23% $640.7M /tipt-vs-dgica →
ROOT
Root Inc. (Class A)
C- 60/100 20.8x — 85.0% -0.06% $801.5M /root-vs-dgica →
EIG
Employers Holdings Inc
D 48/100 81.6x — 1.1% +3.13% $809.7M /eig-vs-dgica →
AII
American Integrity Insurance Group Inc.
B+ 78/100 5.6x — 29.6% +0.82% $578.1M /aii-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 2026-11-03, 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 $18.75 (+1.20% 1D, market cap $696.0M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, DGICA ranks #282 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 —, and ROIC of 12.4%. By comparison, TIPT (Tiptree Inc.) holds a D- grade (41/100 RQD, P/E 18.0x, ROIC -6.8%, cap $640.7M) and ROOT (Root Inc. (Class A)) posts a C- grade (60/100 RQD, P/E 20.8x, ROIC 85.0%, cap $801.5M). 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 $18.75 (+1.20% on volume of 126,114 shares), positioning the stock +0.27% above its 50-day simple moving average ($18.70) and +3.48% above its 200-day simple moving average ($18.12). Across its 52-week range of $16.11 to $21.06, DGICA sits at the 53.3% percentile with a 14-day RSI of 52.1 (NEUTRAL RANGE) and an implied next-earnings move of ±5.5% ($17.72 to $19.78).

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
ROARABLE RATING BRIEF • RQD 64/100 (C) ✓ SEC XBRL & RQD VERIFIED

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

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Donegal Group Inc. (Class A) (DGICA) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $18.75 (+1.20% 1D, market capitalization $696.0M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 12.4%, gross margin of —, operating margin of —, and free cash flow yield of 10.04%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Donegal Group Inc. (Class A) is listed on NASDAQ under DGICA and operates in the Financials sector, Property-Casualty Insurers industry,. — for product lines, customer base, or revenue-generation specifics beyond the sector and industry classification.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Donegal Group Inc. (Class A) (DGICA) reported $978.0M in annual revenue (up from $989.6M in FY2024, -1.2% YoY) and $79.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($927.3M revenue, $4.4M net income) through FY2025, DGICA scaled operating cash flow to $70.2M and free cash flow to $70.2M, backed by $2.39B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 64/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 10.04% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $16.11 – $21.06 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 8.8x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Property-Casualty Insurers (Financials), DGICA carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can DGICA sustain or expand its — operating margin and 12.4% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $978.0M and free cash flow of $70.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is DGICA's 8.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

DGICA Live News Feed, Press Releases & Catalyst Wire

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

💬 Jump to DGICA Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

DGICA Bull vs. Bear Conversation Board — What's Your Call at $18.75?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON DGICA 🐻 33% BEARISH CONVICTION
1. Pick Your Side on DGICA:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $21.72 (+16.0%)
📌 Pinned Debate

Insider conviction scores 17 of 20 on the RQD rating, the strongest pillar, alongside a 12.4% ROIC and 10.04% FCF yield.

Picked up a starter position in DGICA in my $100K Virtual Cash book at $18.72. Insider conviction scores 17 of 20 on the RQD rating, the strongest pillar, alongside a 12.4% ROIC and 10.04% FCF yield.. Trading inside a $16.11–$21.06 52-week range with 10.04% FCF yield gives solid downside support if Property-Casualty Insurers multiples expand this quarter.

CapAlloc_Nerd 🐂 BULL

@SkepticalCFA Fair point on 8.8x trailing P/E, but you're ignoring the forward operating leverage in Property-Casualty Insurers. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $14.41 (-23.0%)
Spot @ $18.72

Whale 13F flow scores only 9 of 20, the weakest pillar, signaling limited institutional accumulation behind the stock.

Whale 13F flow scores only 9 of 20, the weakest pillar, signaling limited institutional accumulation behind the stock.. Look at the math on DGICA: paying 8.8x trailing P/E for 12.4% ROIC and 0.0% operating margins leaves zero margin of safety if Property-Casualty Insurers demand softens. I'd wait for a retest of $16.47 before getting long.

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