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Stock Ratings / Financials / DGICB
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Donegal Group Inc. (Class B) (DGICB) — RQD Stock Rating Cockpit

$22.87 -7.84% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $22.60

Donegal Group Inc. (Class B) (DGICB) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $927.6M
📤 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 DGICB Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is DGICB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Donegal Group Inc. (Class B) (NASDAQ: DGICB) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $22.87 (-7.84% 1D, market cap $927.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 16/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, DGICB ranks #87 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does DGICB compare to HIPO and IGIC in the Financials sector?
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Within the Financials sector (Property-Casualty Insurers), DGICB carries a Roarable B- (71/100 RQD), trailing P/E of 11.1x, gross margin of —, and ROIC of 12.4%. By comparison, HIPO (Hippo Holdings Inc.) holds a C- grade (60/100 RQD, P/E 15.7x, ROIC 14.4%, cap $975.2M) and IGIC (International General Insurance Holdings Ltd. Ordinary Share) posts a D+ grade (53/100 RQD, P/E 8.3x, ROIC 17.9%, cap $1.04B). Among the 5-stock peer group, HRTG leads on earnings multiple (5.5x) while HRTG 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 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.

✓ 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: $22.60 (-1.17%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 7.2% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B-
025507510071
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 B- · Rk B
Cash (11)Whales (14)SEC (13)Macro (16)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+5.9% Base Target
$31 Bull$24 Base$19 Bear
📬 FREE DGICB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for DGICB)Realized 20D OHLCV Swing Band: ±9.7%
Deterministic 5-Pillar Attribution (71/100 Composite)
🔍 WHY DGICB SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (24% 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: 52% of 52W Range • RSI-14 at 62.1 (BULLISH MOMENTUM)

▼ #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)
63
Grade C+$18.33+7.5% Next Q
Q2 (-2Q)
66
Grade B-$19.70+29.7% Next Q
Q3 (-1Q)
68
Grade B-$25.56-10.5% Next Q
Current
71
Grade B-$22.87+6.8% Hist 90D α
Trajectory: C+ (63) → B- (71)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 71/100 (B-) 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 ($19.83) invalidates the momentum regime and cuts Target Base ($24.21) toward Bear Floor ($18.75).

🎲 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 71%NO 29%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
62.130 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 RANGE52% OF RANGE
L: $15$22.87H: $30
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● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B+RQD 31 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on DGICB

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (55)

12.4% ROIC with 42.0% gross margin and 7.98% 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 (78)

31/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like DGICB
  • ✓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 (DGICB 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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DGICB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.99%▼ DESCENDING CHANNEL
2026-11-03O $23.70H $24.99L $22.87C $22.87VOL 877
RES: $25.79SUP: $12.51SMA50: $21.31SMA200: $19.83
$31.03$26.71$22.40$18.08$13.76RES $25.79SUP $12.51$22.872026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
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

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 #87 of 1097 ⚔️ HIPO vs DGICB Full Matrix →

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

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Donegal Group Inc. (Class B) (DGICB) ranks #87 by composite RQD confidence (71/100, grade B-) and #567 by equity capitalization ($927.6M). Within this direct 5-issuer industry benchmark cohort, HRTG leads on earnings valuation at 5.5x trailing P/E, while HRTG leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. HRTG currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with DGICB at 71/100 (B-).

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)
B- 71/100 11.1x — 12.4% -7.84% $927.6M Benchmark Subject
HIPO
Hippo Holdings Inc.
C- 60/100 15.7x — 14.4% -2.54% $975.2M /hipo-vs-dgicb →
IGIC
International General Insurance Holdings Ltd. Ordinary Share
D+ 53/100 8.3x — 17.9% +1.97% $1.04B /igic-vs-dgicb →
HRTG
Heritage Insurance Holdings Inc.
B+ 77/100 5.5x — 85.0% +0.84% $1.06B /hrtg-vs-dgicb →
EIG
Employers Holdings Inc
D 48/100 81.6x — 1.1% +3.13% $804.1M /eig-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 2026-11-03, Donegal Group Inc. (Class B) (NASDAQ: DGICB) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $22.87 (-7.84% 1D, market cap $927.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 16/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, DGICB ranks #87 in composite RQD confidence.

How does DGICB compare to HIPO and IGIC in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), DGICB carries a Roarable B- (71/100 RQD), trailing P/E of 11.1x, gross margin of —, and ROIC of 12.4%. By comparison, HIPO (Hippo Holdings Inc.) holds a C- grade (60/100 RQD, P/E 15.7x, ROIC 14.4%, cap $975.2M) and IGIC (International General Insurance Holdings Ltd. Ordinary Share) posts a D+ grade (53/100 RQD, P/E 8.3x, ROIC 17.9%, cap $1.04B). Among the 5-stock peer group, HRTG leads on earnings multiple (5.5x) while HRTG 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 $22.87 (-7.84% on volume of 2,061 shares), positioning the stock +7.32% above its 50-day simple moving average ($21.31) and +15.33% above its 200-day simple moving average ($19.83). Across its 52-week range of $15.10 to $29.99, DGICB sits at the 52.2% percentile with a 14-day RSI of 62.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±9.7% ($20.65 to $25.09).

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
ROARABLE RATING BRIEF • RQD 71/100 (B-) ✓ SEC XBRL & RQD VERIFIED

DGICB — Donegal Group Inc. (Class B): 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 B) (DGICB) earns a live Roarable RQD composite score of 71/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $22.87 (-7.84% 1D, market capitalization $927.6M).

  • 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 7.98%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (16/20) + 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 B) is a NASDAQ-listed issuer in the Financials sector, Property-Casualty Insurers industry. It operates with a market capitalization of $0.9B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Donegal Group Inc. (Class B) (DGICB) 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, DGICB 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 (B- • RQD 71/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 7.98% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $15.10 – $29.99 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 11.1x 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), DGICB carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can DGICB 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 DGICB's 10.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

DGICB Live News Feed, Press Releases & Catalyst Wire

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

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

DGICB Bull vs. Bear Conversation Board — What's Your Call at $22.87?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON DGICB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on DGICB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $31.24 (+25.0%)
📌 Pinned Debate

Insider conviction scores 17/20 and the stock trades at a P/E (TTM) of 11.1 with a 7.98% FCF yield.

Don't sleep on DGICB's setup in Financials. Insider conviction scores 17/20 and the stock trades at a P/E (TTM) of 11.1 with a 7.98% FCF yield.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (71/100) backs up the fundamental quality.

VolSurface_Trader 🐂 BULL

Both sides have a point here — DGICB's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $20.24 (-19.0%)
Spot @ $24.99

The Piotroski F-Score of 4/9 and Altman Z of 2.5 flag a mid-range forensic balance sheet, and the fundamental cash engine scores the lo

I respect the product at Donegal Group Inc. (Class B), but the stock at $24.99 is a different story. The Piotroski F-Score of 4/9 and Altman Z of 2.5 flag a mid-range forensic balance sheet, and the fundamental cash engine scores the lowest at 11/20.. FCF yield is 7.98% and RQD sits at 71/100 (B-) — why pay up here when you can wait for next quarter's numbers?

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