Donegal Group (DGICA) Stock: Buy, Sell, or Hold?
$18.95
-0.02 (-0.11%)
▼
5d:
-0.79%
30d:
+3.78%
90d:
+1.07%
QUANTITATIVE VERDICT
HOLD
MODERATE Confidence (52%)
Quality Score
54/100
Position
EXTENDED
30-Day Fair Range
$18.35 – $18.93
Position: EXTENDED
Forward P/E & Valuation
10.1x
FAIR
vs 9.5x historical avg
Wall Street Target
$21.00
+10.8% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$18.41 / $19.74
Trend: Sideways
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 HOLD: DGICA shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$21.78
Based on 4.1% avg growth
INTRINSIC VALUE TODAY
$13.52
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 9.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: DGICA is currently trading at $18.95, which is considered extended relative to its 30-day fair value range of $18.35 to $18.93. The stock's valuation (Forward PE: 10.1) is in line with its historical norms (9.5). At these levels, the market is pricing in 2.1% annual earnings growth.
Technical Outlook: Technically, DGICA is showing sideways momentum. The price is currently testing key support at $18.41. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 53/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $21.00 (+10.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, DGICA is showing sideways momentum. The price is currently testing key support at $18.41. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 53/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $21.00 (+10.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$18.35 -
$18.93
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
51.9%
Trading Range & Key Levels
30-Day Trading Range
$18.35 -
$18.93
Current vs Trading Range
EXTENDED
Support Level
$18.41
Resistance Level
$19.74
Current Trend
Sideways
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (53/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($21.00)
- BULLISH: Expecting earnings turnaround to 2.1% growth with -3.4% revenue growth
- NEUTRAL: Bottoming setup forming (53/100) — watch for confirmation
Fundamental Context
Forward P/E (Next Year Est.)
10.11
Wall Street Target
$21.00
(+10.8%)
Revenue Growth (YoY)
-3.4%
Earnings Growth (YoY)
-11.3%
Profit Margin
7.2%
Valuation Premium vs History
+2.1% premium
PE vs Historical
10.1 vs 9.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.1%
(market-implied from PE analysis)
1-Year Target
$19.35
(+2%)
2-Year Target
$19.75
(+4%)
3-Year Target
$20.17
(+6%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$18.96
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 4.2%)
$42.09
(+122%)
Base:
(SPY PE: 10.1, Growth: 4.2%)
$21.42
(+13%)
Bear:
(PE: 8.6, Growth: 4.2%)
$18.21
(-4%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 10.20 | Current EPS (TTM): $1.86
Bull Case
$21.04
(+11%)
Analyst growth 0.8%, PE expands to 11.2
Base Case
$19.12
(+1%)
Market implied 0.8%, PE stable at 10.2
Bear Case
$12.90
(-32%)
Severe decline -20.0%, PE contracts to 8.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (DGICA)
Bullish
1 Retail Mentions
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Oct 29, 2026
Daily AI digest
AI Retail Discussion Summary:
Donegal Group (DGICA) reported Q3 earnings of $0.5 per share, beating estimates by $0.17 and surpassing revenues estimates. The stock has underperformed the market year-to-date.
Key Retail Themes:
Earnings beat and revenue surprise
Strong correlation between earnings estimate revisions and stock movements
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 8:53 PM ET
Data refreshes hourly during market hours. Next update: 9:53 PM
Data refreshes hourly during market hours. Next update: 9:53 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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