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).

Stock Ratings / Financials / DGICA / financials

TIPT (41) ROOT (60) EIG (48) AII (78) ⌘ Pro Terminal →

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

$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?

▼

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?

▼

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?

▼

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

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+

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

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)

Grade C$18.18+2.6% Next Q

Q2 (-2Q)

Grade C$18.65-0.1% Next Q

Q3 (-1Q)

Grade C$18.63+0.6% Next Q

Current

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 →

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

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

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

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

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?

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

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

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) ↓

🟡 MARKET WIRE Yahoo Finance • 1d ago

Donegal Group (DGICA) Q3 Earnings and Revenues Top Estimates

Yahoo Finance report covering Donegal Group Inc. (Class A) (DGICA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Donegal Group, Inc. Estimates – NASDAQ:DGICA

TradingView report covering Donegal Group Inc. (Class A) (DGICA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 2d ago

BlackRock reports 1.54M shares in Donegal Group (DGICA) as of September 30.

Stock Titan report covering Donegal Group Inc. (Class A) (DGICA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quiver Quantitative • 2d ago

DONEGAL GROUP ($DGICA) Releases Q3 2026 Earnings

Quiver Quantitative report covering Donegal Group Inc. (Class A) (DGICA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST MarketBeat • 2d ago

Donegal Group (NASDAQ:DGICA) Releases Quarterly Earnings Results, Beats Estimates By $0.06 EPS

MarketBeat report covering Donegal Group Inc. (Class A) (DGICA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Traders Daily • 2d ago

How Donegal Group Inc. Class A Common Stock (DGICA) Affects Rotational Strategy Timing

Stock Traders Daily report covering Donegal Group Inc. (Class A) (DGICA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.siam.in/ • 2d ago

Donegal Group Inc. (DGICA) Edges Up 0.55% to $18.27, Holding Within a Defined Range - SMA Signal

https://www.siam.in/ report covering Donegal Group Inc. (Class A) (DGICA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST www.dars.gov.et • 2d ago

DGICA Q2 2026 Earnings: EPS Beat Estimates by 22.52% as Stock Edges Higher - Management Tone Analysis

www.dars.gov.et report covering Donegal Group Inc. (Class A) (DGICA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 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

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.