Donegal Group (DGICA) Stock: Buy, Sell, or Hold?
DGICA - Donegal Group Inc
$19.36
0.10 (0.52%)
â˛
5d:
-0.31%
30d:
+3.81%
90d:
+10.82%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 29, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: DGICA is fairly priced but lacks strong directional signals. At 3.2% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: DGICA is fairly priced but lacks strong directional signals. At 3.2% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$21.55
Based on 4.1% avg growth
INTRINSIC VALUE TODAY
$13.38
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: DGICA is currently trading at $19.36, which is considered slightly high relative to its 30-day fair value range of $18.70 to $19.36. The stock's valuation (Forward PE: 10.3) is in line with its historical norms (9.4). At these levels, the market is pricing in 3.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, DGICA is in a strong uptrend. The price is approaching resistance at $19.76. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 46/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, DGICA is in a strong uptrend. The price is approaching resistance at $19.76. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 46/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$18.70 -
$19.36
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.4%
All Signals
- NEUTRAL: Mixed technical signals (46/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($21.00)
- NEUTRAL: Market pricing in 3.2% annual earnings growth - fairly valued
- WARNING: Composite score 52/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$18.70 -
$19.36
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$18.30
Resistance Level
$19.76
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.33
Wall Street Target
$21.00
(+8.5%)
Revenue Growth (YoY)
-2.4%
Earnings Growth (YoY)
30.3%
Profit Margin
7.4%
Valuation Premium vs History
+3.2% premium
PE vs Historical
10.3 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.2%
(market-implied from PE analysis)
1-Year Target
$19.98
(+3%)
2-Year Target
$20.62
(+7%)
3-Year Target
$21.28
(+10%)
3-Yr Target (if PE normalizes)
(PE: 10â9)
PE COMPRESSION
$19.37
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 4.2%)
$42.75
(+121%)
Base:
(SPY PE: 10.3, Growth: 4.2%)
$21.88
(+13%)
Bear:
(PE: 8.8, Growth: 4.2%)
$18.60
(-4%)
đ
Valuation based on Current Earnings
Trailing PE: 9.93 | Current EPS (TTM): $1.94
Bull Case
$20.48
(+6%)
Analyst growth -3.4%, PE expands to 10.9
Base Case
$18.61
(-4%)
Market implied -3.4%, PE stable at 9.9
Bear Case
$13.10
(-32%)
Severe decline -20.0%, PE contracts to 8.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 1:43 PM ET
Data refreshes hourly during market hours. Next update: 2:43 PM
Data refreshes hourly during market hours. Next update: 2:43 PM
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Technical Signals Check
Is DGICA showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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