Donegal Group Inc.
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$16.53
FAIR PRICE
$18.31
MARGIN
$1.78
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FPI RATING
Attractive valuation and high-quality fundamentals, but limited growth momentum and weak profitability margins.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$14.65
Fair price × 0.80
DISTANCE
11.4%
Price to entry level
At the current price of $16.53, DGICA trades 11.4% above the conservative entry level of $14.65. This entry level represents a 20% margin of safety below the calculated fair price of $18.31 — a buffer that accounts for estimation uncertainty in the valuation model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate DGICA's fair price
Donegal Group Inc.'s fair price of $18.31 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $16.53, DGICA trades 10.8% below its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting DGICA's risk profile.
RELATIVE · 30%
Comparing DGICA's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for DGICA, weighted by recency and analyst accuracy.
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Want to test your own assumptions? Use our free calculators to estimate DGICA's fair value with your own inputs.
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What is the fair price of DGICA?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Donegal Group Inc. is $18.31. At the current market price of $16.53, DGICA trades 10.8% below its calculated fair value.
Is DGICA overvalued or undervalued?+
Donegal Group Inc. is currently undervalued based on our valuation model. The stock trades at $16.53, which is 10.8% below the fair price of $18.31. The P/E ratio of 7.1x is a key metric in the valuation.
What is the margin of safety for DGICA?+
With a 20% margin of safety applied to the fair price of $18.31, the conservative entry level for DGICA is $14.65. At the current market price of $16.53, the stock trades 11.4% above this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is DGICA's fair price updated?+
We update fair price calculations for DGICA daily after market close. The current fair price of $18.31 incorporates the latest market data and sector multiples.
What factors affect DGICA's fair price calculation?+
DGICA's fair price of $18.31 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 7.1x, ROE of 14.6%, and dividend yield of 5.22%.
Is DGICA a good buy right now?+
At $16.53, DGICA trades 10.8% below our fair value estimate of $18.31. The stock is currently undervalued. ROE stands at 14.6% (average). Fair Price Index provides valuation data — always do your own research before investing.
Does DGICA pay dividends?+
DGICA has a dividend yield of 5.22%.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.