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Donegal GroupDGICA +1.58%64 Cyclically Adjusted PS Ratio is 0.58 as of Jul. 17, 2026, which is at its 10-year median of 0.58. GuruFocus rates DGICA with a GF Score™ of 64/100 and a GF Value™ of $14.07 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 410 Insurance companies, Donegal Group ranks better than 78.29% on this metric.
The historical rank and industry rank for Donegal Group's Cyclically Adjusted PS Ratio or its related term are showing as below:
DGICA'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.4 Med: 0.58 Max: 0.91
Current: 0.58
During the past years, Donegal Group's highest Cyclically Adjusted PS Ratio was 0.91. The lowest was 0.40. And the median was 0.58.
DGICA's Cyclically Adjusted PS Ratio is ranked better than 78.29% of 410
companies
in the Insurance industry
Industry Median: 1.225
vs DGICA: 0.58
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
Donegal Group's adjusted revenue per share data for the three months ended in Mar. 2026 was $6.292. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $32.36 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Donegal Group (NAS:DGICA) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
Donegal Group Cyclically Adjusted PS Ratio Related Terms
Donegal Group Cyclically Adjusted PS Ratio Historical Data
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The historical data trend for Donegal Group's Cyclically Adjusted PS Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
DGICA vs HIPO, HRTG, ROOT: Cyclically Adjusted PS Ratio Comparison
For the Insurance - Property & Casualty subindustry, Donegal Group's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Donegal Group Cyclically Adjusted PS Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Donegal Group's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Donegal Group's Cyclically Adjusted PS Ratio falls into.
Donegal Group Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
Donegal Group's Cyclically Adjusted PS Ratio for today is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PS Ratio of 0.58 mean?
Donegal Group (DGICA) has a Cyclically Adjusted PS Ratio of 0.58 as of Jul. 17, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Donegal Group and its competitors. This is near median its historical median of 0.58. Over the past decade, Donegal Group's Cyclically Adjusted PS Ratio has ranged from 0.40 to 0.91. According to the industry distribution chart, Donegal Group ranks #89 out of 410 companies in the Insurance industry, placing it in the top 21.7%.
Is Donegal Group's Cyclically Adjusted PS Ratio too high?
Donegal Group's current Cyclically Adjusted PS Ratio of 0.58 is near median its 10-year median of 0.58. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 0.91. The Insurance industry median Cyclically Adjusted PS Ratio is 1.23. Donegal Group's value of 0.58 is 52.7% below this industry median. Based on the distribution chart, Donegal Group ranks #89 out of 410 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Donegal Group has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Donegal Group's Cyclically Adjusted PS Ratio compare to HIPO and HRTG?
According to the Insurance industry distribution chart, Donegal Group ranks #89 out of 410 companies for Cyclically Adjusted PS Ratio. This places Donegal Group in the top 22% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PS Ratio is 1.23. Donegal Group's value of 0.58 is 52.7% below this benchmark. Historically, Donegal Group's own Cyclically Adjusted PS Ratio has ranged from 0.40 to 0.91 over the past decade. While the company's 10-year median is 0.58 vs. the industry median of 1.23, Donegal Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for an Insurance company?
The median Cyclically Adjusted PS Ratio among Insurance companies is 1.23, based on 410 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Donegal Group's current Cyclically Adjusted PS Ratio of 0.58 is 52.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Donegal Group and its competitors. For the Insurance industry, the median Cyclically Adjusted PS Ratio is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Donegal Group's current Cyclically Adjusted PS Ratio is 0.58, which is near median its own 10-year median of 0.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Donegal Group stock overvalued right now?
Based on GuruFocus' analysis, Donegal Group (DGICA) is currently considered Significantly Overvalued. The stock's GF Value™ is $14.07, compared to a current price of $18.92 — trading 34.4% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 0.58, which is near median its 10-year median of 0.58 and 52.7% below the Insurance industry median of 1.23. Donegal Group's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Donegal Group (DGICA), the current Cyclically Adjusted PS Ratio is 0.58 as of Jul. 17, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Donegal Group (DGICA) Overvalued in 2026?
Based on GuruFocus' analysis, Donegal Group stock appears to be overvalued.
The current stock price of $18.92 is trading 34.4% above its estimated GF Value™ of $14.07.
GuruFocus considers Donegal Group to be Significantly Overvalued.
Key valuation signals for DGICA:
Cyclically Adjusted PS Ratio: 0.58 (near median its 10-year median of 0.58)
GF Value™: $14.07 vs. price of $18.92 (34.4% above fair value)
Industry Position: 52.7% below the Insurance median (#89 of 410)
No single metric tells the full story. See the DGICA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Donegal Group Inc is an insurance holding company whose insurance subsidiaries and affiliates offer property and casualty insurance in 21 Mid-Atlantic, Midwestern, Southern, and Southwestern states. It includes three segments: Investments Function, Commercial Lines of Insurance, and Personal Lines of Insurance. The majority of revenue is from the commercial Lines segment. The commercial Lines segment consists mainly of commercial automobile, commercial multi-peril, and workers' compensation policies.
64GF Score
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