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How to buy Donegal Group stock | $14.3

Own Donegal Group stock in just a few minutes.

Fact checked

Donegal Group Inc is an insurance-property & casualty business based in the US. Donegal Group shares (DGICA) are listed on the NASDAQ and all prices are listed in US Dollars.

How to buy shares in Donegal Group

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for Donegal Group. Find the stock by name or ticker symbol: DGICA. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Donegal Group reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. At last close price of USD$14.3, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Donegal Group, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of Donegal Group. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Donegal Group share price

Use our graph to track the performance of DGICA stocks over time.

Donegal Group shares at a glance

Information last updated 2020-12-27.
Latest market closeUSD$14.3
52-week rangeUSD$10.8858 - USD$15.08
50-day moving average USD$14.2909
200-day moving average USD$14.2536
Wall St. target priceUSD$17
PE ratio 7.8997
Dividend yield USD$0.6 (4.23%)
Earnings per share (TTM) USD$1.795

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Donegal Group stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Donegal Group price performance over time

Historical closes compared with the close of $14.3 from 2020-12-18

1 week (2021-01-13) 1.35%
1 month (2020-12-21) 0.28%
3 months (2020-10-20) -2.52%
6 months (2020-07-20) 4.95%
1 year (2020-01-17) -0.83%
2 years (2019-01-18) 5.54%
3 years (2018-01-19) 17.7
5 years (2016-01-20) 11.89%

Is Donegal Group under- or over-valued?

Valuing Donegal Group stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Donegal Group's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Donegal Group's P/E ratio

Donegal Group's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 8x. In other words, Donegal Group shares trade at around 8x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Donegal Group's PEG ratio

Donegal Group's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 3.06. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Donegal Group's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Donegal Group's EBITDA

Donegal Group's EBITDA (earnings before interest, taxes, depreciation and amortisation) is USD$70.7 million.

The EBITDA is a measure of a Donegal Group's overall financial performance and is widely used to measure a its profitability.

Donegal Group financials

Revenue TTM USD$781.3 million
Operating margin TTM 8.24%
Gross profit TTM USD$60.1 million
Return on assets TTM 1.98%
Return on equity TTM 11.07%
Profit margin 6.71%
Book value $16.963
Market capitalisation USD$411 million

TTM: trailing 12 months

Shorting Donegal Group shares

There are currently 135,933 Donegal Group shares held short by investors – that's known as Donegal Group's "short interest". This figure is 11.5% down from 153,658 last month.

There are a few different ways that this level of interest in shorting Donegal Group shares can be evaluated.

Donegal Group's "short interest ratio" (SIR)

Donegal Group's "short interest ratio" (SIR) is the quantity of Donegal Group shares currently shorted divided by the average quantity of Donegal Group shares traded daily (recently around 58845.454545455). Donegal Group's SIR currently stands at 2.31. In other words for every 100,000 Donegal Group shares traded daily on the market, roughly 2310 shares are currently held short.

However Donegal Group's short interest can also be evaluated against the total number of Donegal Group shares, or, against the total number of tradable Donegal Group shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Donegal Group's short interest could be expressed as 0% of the outstanding shares (for every 100,000 Donegal Group shares in existence, roughly 0 shares are currently held short) or 0.0097% of the tradable shares (for every 100,000 tradable Donegal Group shares, roughly 10 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Donegal Group.

Find out more about how you can short Donegal Group stock.

Donegal Group share dividends


Dividend payout ratio: 33.43% of net profits

Recently Donegal Group has paid out, on average, around 33.43% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 4.23% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Donegal Group shareholders could enjoy a 4.23% return on their shares, in the form of dividend payments. In Donegal Group's case, that would currently equate to about $0.6 per share.

While Donegal Group's payout ratio might seem fairly standard, it's worth remembering that Donegal Group may be investing much of the rest of its net profits in future growth.

Donegal Group's most recent dividend payout was on 16 November 2020. The latest dividend was paid out to all shareholders who bought their shares by 1 February 2021 (the "ex-dividend date").

Have Donegal Group's shares ever split?

Donegal Group's shares were split on a 4:3 basis on 27 April 2006. So if you had owned 3 shares the day before before the split, the next day you'd have owned 4 shares. This wouldn't directly have changed the overall worth of your Donegal Group shares – just the quantity. However, indirectly, the new 25% lower share price could have impacted the market appetite for Donegal Group shares which in turn could have impacted Donegal Group's share price.

Donegal Group share price volatility

Over the last 12 months, Donegal Group's shares have ranged in value from as little as $10.8858 up to $15.08. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Donegal Group's is -0.0184. This would suggest that Donegal Group's shares have been inversely-correlated to the average (for this exchange) – so when the broader market trended up or down, Donegal Group has bucked the trend.

Donegal Group overview

Donegal Group Inc., an insurance holding company, provides personal and commercial lines of property and casualty insurance to businesses and individuals in the Mid-Atlantic, Midwestern, New England, and southern states. It operates through four segments: Investment Function, Personal Lines of Insurance, and Commercial Lines of Insurance. The company offers private passenger automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents, as well as protection against loss from damage to automobiles. It also offers homeowners policies, which provide coverage for damage to residences and their contents from a range of perils, including fire, lightning, windstorm, and theft; and liability of the insured arising from injury to other persons or their property. In addition, the company offers commercial automobile policies that provide protection against liability for bodily injury and property damage arising from automobile accidents and protection against loss from damage to automobiles owned by the insured; commercial multi-peril policies that provide protection to businesses against various perils, primarily combining liability and physical damage coverages; and workers' compensation policies, which provide benefits to employees for injuries sustained during employment. The company markets its insurance products through a network of approximately 2,400 independent insurance agencies. Donegal Group Inc. was founded in 1986 and is headquartered in Marietta, Pennsylvania. Donegal Group Inc. is a subsidiary of Donegal Mutual Insurance Company.

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