What is the 13F Pro Quality Score for DGICA?

13F Pro ranks DONEGAL GROUP INC (DGICA) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View DGICA's current score at https://13fpro.ai/research/DGICA (free sign-up required for the full ranking).

Where does 13F Pro source DGICA data?

All DONEGAL GROUP INC fundamentals and ownership data come directly from SEC EDGAR. DONEGAL GROUP INC files with the SEC under CIK 800457. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is DGICA in?

DONEGAL GROUP INC (DGICA) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is DGICA research updated on 13F Pro?

DGICA's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

DONEGAL GROUP INC(DGICA)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →Nasdaq

Institutional-grade research for retail investors

SEC EDGAR: CIK 800457 DGICA stock profile & AI dashboard →

13F Pro Quality Score

58.7/100

Rank #971 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

41.2/100

Profitability

72.6/100

Balance Sheet

58.6/100

Earnings Quality

95.0/100

Free Cash Flow

59.0/100

Institutional Flow

35.0/100

Revenue Scale

49.0/100

Dilution Risk

88.5/100

DGICA Stock Analysis & AI Quality Score

AI stock analysis and institutional research for DONEGAL GROUP INC (DGICA), a Financials sector company. 13F Pro's AI-powered ranking engine scores DGICA at 58.7/100 on a 32-signal composite quality model, placing it at rank #971 of 2,879 stocks — the top half of the AI-ranked universe. DGICA scores in the top quartile across earnings quality (95.0). Areas of concern include institutional flow (35.0), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), DONEGAL GROUP INC reports quarterly revenue of $236.0M, net income of $11.5M, an operating margin of 6.0%. Top institutional holders of DGICA by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. DGICA trades on the Nasdaq exchange and files with the SEC under CIK 800457. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate DGICA daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for DONEGAL GROUP INC directly from SEC EDGAR. DONEGAL GROUP INC's 13F Pro composite quality score has ranged between 33 and 60 since 2021, currently 58.7 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.

✦

Fun facts about DONEGAL GROUP INC

Quirks, history, and lore behind DGICA — the kind of stuff that makes a stock memorable.

1
The Basics
A property and casualty insurance company · small-cap · listed on Nasdaq · headquartered in Pennsylvania.
2
The Numbers
Annual revenue in the range of roughly $1 billion, writing policies across multiple U.S. states with a focus on mid-Atlantic and Midwest markets.
3
The History
Founded in 1889 in Pennsylvania Dutch country, it has spent well over a century writing personal and commercial lines insurance for farmers, homeowners, and businesses.
4
The Secret
It operates through a network of independent insurance agents rather than selling direct — a decidedly old-school model that it has stuck with for generations.
5
The Lore
Its roots trace to a mutual fire insurance company serving rural Pennsylvania communities, and it still carries that conservative, community-focused underwriting philosophy today.
6
The Giveaway
Named after County Donegal in Ireland — fitting for a company born in the heavily Scots-Irish settled farmlands of Lancaster County, Pennsylvania.

▶ Think you know your stocks? Play the Daily Ticker

Revenue

Q1 2026

$236.0M

Net Income

Q1 2026

$11.5M

Free Cash Flow

Q1 2026

$20.2M

Operating Margin

Q1 2026

6.0%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-1.2% YoY

$978.0MFY 2025

FY21 $816.5MFY23 $927.3MFY24 $989.6MFY25 $978.0M

Net Income

+56.0% YoY

$79.3MFY 2025

FY21 $25.3MFY23 $4.4MFY24 $50.9MFY25 $79.3M

Total Assets

+2.2% YoY

$2.39BFY 2025

FY21 $2.26BFY23 $2.27BFY24 $2.34BFY25 $2.39B

Op. Cash Flow

+4.1% YoY

$70.2MFY 2025

FY21 $76.7MFY23 $28.6MFY24 $67.4MFY25 $70.2M

Metric	FY 2025	FY 2024	FY 2023	FY 2021	FY 2020	FY 2018
Revenue	$978.0M -1.2%	$989.6M +6.7%	$927.3M +13.6%	$816.5M +5.0%	$777.8M +0.8%	$771.8M
Net Income	$79.3M +56.0%	$50.9M +1049.3%	$4.4M -82.5%	$25.3M -52.2%	$52.8M +261.2%	$-32.8M
Total Assets	$2.39B +2.2%	$2.34B +3.1%	$2.27B +0.5%	$2.26B +4.4%	$2.16B +17.9%	$1.83B
Operating Cash Flow	$70.2M +4.1%	$67.4M +135.6%	$28.6M -62.7%	$76.7M -24.1%	$101.1M +58.6%	$63.8M

AI Insight: DGICA Financial Trends

Equity base has grown 34% over eight quarters but net income is declining sharply from its Q1 2025 peak, signaling deteriorating return on equity.

• Net income peaked at $25M in Q1 2025 and has since fallen to $12M in Q1 2026, a 52% decline over four quarters.

• Equity expanded steadily from $484M in Q2 2024 to $649M in Q1 2026, reflecting consistent retained earnings accumulation.

• Revenue contracted from a high of $252M in Q3 2024 to $236M in Q1 2026, a modest but consistent downward drift.

⚠ Operating cash flow dropped to $10M in Q4 2025 and only partially recovered to $20M in Q1 2026 — lowest two-quarter stretch in the dataset.

⚠ Shrinking net income against a growing equity base implies ROIC compression; monitor whether underwriting results are deteriorating.

AI Insight: DGICA Ratio Trends

DGICA's profitability has deteriorated sharply in Q1 2026, with ROE halving to 7.1% from its 17.6% peak in Q4 2024.

• Operating margin compressed from 12.7% in Q1 2025 to 6.0% in Q1 2026, a 670bp year-over-year decline.

• ROIC fell to 8.7% in Q1 2026, down from 21.3% in Q1 2025 — a near 60% contraction year-over-year.

• ROA dropped to 1.9% in Q1 2026 from 4.3% in Q1 2025, continuing a sequential slide since Q4 2024.

• Q4 2024 through Q1 2025 represented peak profitability; all key metrics have trended lower in every subsequent quarter.

⚠ Q1 2026 metrics mirror weak Q2 2024 levels — monitor whether this reflects seasonal loss patterns or structural margin erosion.

⚠ NPM fell to 4.9% in Q1 2026 from 10.3% in Q1 2025; sustained compression would pressure book-value growth.

⚠ D/E data is absent across all periods, limiting leverage assessment — a key gap for a P&C insurer.

Get alerted when DGICA's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for DONEGAL GROUP INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of DGICA

BlackRock, Inc.
$32.8M1,906,786 sh
DIMENSIONAL FUND ADVISORS LP
$29.8M1,737,266 sh
VANGUARD CAPITAL MANAGEMENT LLC
$12.9M749,155 sh
GEODE CAPITAL MANAGEMENT, LLC
$9.6M555,952 sh
AMERICAN CENTURY COMPANIES INC
$6.8M395,979 sh
RENAISSANCE TECHNOLOGIES LLC
$6.7M392,711 sh
STATE STREET CORP
$6.7M392,568 sh
ProShare Advisors LLC
$6.1M356,309 sh
Connor, Clark & Lunn Investment Management Ltd.
$6.0M347,646 sh
MORGAN STANLEY
$4.8M281,718 sh

Fund	Value	Shares
BlackRock, Inc.	$32.8M	1,906,786
DIMENSIONAL FUND ADVISORS LP	$29.8M	1,737,266
VANGUARD CAPITAL MANAGEMENT LLC	$12.9M	749,155
GEODE CAPITAL MANAGEMENT, LLC	$9.6M	555,952
AMERICAN CENTURY COMPANIES INC	$6.8M	395,979
RENAISSANCE TECHNOLOGIES LLC	$6.7M	392,711
STATE STREET CORP	$6.7M	392,568
ProShare Advisors LLC	$6.1M	356,309
Connor, Clark & Lunn Investment Management Ltd.	$6.0M	347,646
MORGAN STANLEY	$4.8M	281,718

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAC-UN

Ares Acquisition Corp III

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put DGICA on your watchlist

Track score changes the day DONEGAL GROUP INC files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is DGICA a good stock to buy?

13F Pro's AI-powered analysis of DONEGAL GROUP INC (DGICA) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for DGICA are available on the DGICA stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own DGICA?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling DGICA. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of DONEGAL GROUP INC's investment landscape.