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DONEGAL INVESTMENT GROUP PLC (DQ7A.I) Stock Fundamental Analysis

Europe - Euronext Dublin - DUB:DQ7A - IE000TIRQBE1 - Common Stock

18.398 EUR
+0.2 (+1.09%)
Last: 11/5/2025, 7:00:00 PM
Fundamental Rating

4

Taking everything into account, DQ7A scores 4 out of 10 in our fundamental rating. DQ7A was compared to 63 industry peers in the Food Products industry. While DQ7A has a great health rating, its profitability is only average at the moment. DQ7A has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year DQ7A was profitable.
  • In the past year DQ7A had a positive cash flow from operations.
  • DQ7A had positive earnings in each of the past 5 years.
  • DQ7A had a positive operating cash flow in 4 of the past 5 years.
DQ7A.I Yearly Net Income VS EBIT VS OCF VS FCFDQ7A.I Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M

1.2 Ratios

  • The Return On Assets of DQ7A (8.25%) is better than 84.21% of its industry peers.
  • DQ7A has a Return On Equity of 10.03%. This is comparable to the rest of the industry: DQ7A outperforms 57.89% of its industry peers.
  • The Return On Invested Capital of DQ7A (8.90%) is better than 84.21% of its industry peers.
Industry RankSector Rank
ROA 8.25%
ROE 10.03%
ROIC 8.9%
ROA(3y)26.41%
ROA(5y)19.43%
ROE(3y)39.14%
ROE(5y)29.69%
ROIC(3y)N/A
ROIC(5y)N/A
DQ7A.I Yearly ROA, ROE, ROICDQ7A.I Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

1.3 Margins

  • With a decent Profit Margin value of 5.48%, DQ7A is doing good in the industry, outperforming 63.16% of the companies in the same industry.
  • In the last couple of years the Profit Margin of DQ7A has declined.
  • DQ7A has a Operating Margin (5.65%) which is in line with its industry peers.
  • In the last couple of years the Operating Margin of DQ7A has declined.
  • DQ7A has a Gross Margin of 30.99%. This is in the lower half of the industry: DQ7A underperforms 63.16% of its industry peers.
  • DQ7A's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 5.65%
PM (TTM) 5.48%
GM 30.99%
OM growth 3Y-7.8%
OM growth 5Y-6.94%
PM growth 3Y-28.4%
PM growth 5Y-10.01%
GM growth 3Y-4.2%
GM growth 5Y-3.11%
DQ7A.I Yearly Profit, Operating, Gross MarginsDQ7A.I Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40 50

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9

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), DQ7A is creating some value.
  • The number of shares outstanding for DQ7A remains at a similar level compared to 1 year ago.
  • DQ7A has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for DQ7A is higher compared to a year ago.
DQ7A.I Yearly Shares OutstandingDQ7A.I Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
DQ7A.I Yearly Total Debt VS Total AssetsDQ7A.I Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.2 Solvency

  • An Altman-Z score of 6.86 indicates that DQ7A is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of DQ7A (6.86) is better than 96.49% of its industry peers.
  • The Debt to FCF ratio of DQ7A is 0.35, which is an excellent value as it means it would take DQ7A, only 0.35 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of DQ7A (0.35) is better than 96.49% of its industry peers.
  • DQ7A has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
  • DQ7A's Debt to Equity ratio of 0.03 is amongst the best of the industry. DQ7A outperforms 94.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.35
Altman-Z 6.86
ROIC/WACC1.19
WACC7.46%
DQ7A.I Yearly LT Debt VS Equity VS FCFDQ7A.I Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

2.3 Liquidity

  • DQ7A has a Current Ratio of 4.57. This indicates that DQ7A is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 4.57, DQ7A belongs to the top of the industry, outperforming 96.49% of the companies in the same industry.
  • A Quick Ratio of 4.35 indicates that DQ7A has no problem at all paying its short term obligations.
  • The Quick ratio of DQ7A (4.35) is better than 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 4.57
Quick Ratio 4.35
DQ7A.I Yearly Current Assets VS Current LiabilitesDQ7A.I Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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0

3. Growth

3.1 Past

  • The earnings per share for DQ7A have decreased strongly by -57.53% in the last year.
  • DQ7A shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.24% yearly.
  • Looking at the last year, DQ7A shows a very negative growth in Revenue. The Revenue has decreased by -35.30% in the last year.
  • Measured over the past years, DQ7A shows a decrease in Revenue. The Revenue has been decreasing by -6.04% on average per year.
EPS 1Y (TTM)-57.53%
EPS 3Y-4.48%
EPS 5Y4.24%
EPS Q2Q%-89.63%
Revenue 1Y (TTM)-35.3%
Revenue growth 3Y8.24%
Revenue growth 5Y-6.04%
Sales Q2Q%-66.11%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
DQ7A.I Yearly Revenue VS EstimatesDQ7A.I Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
DQ7A.I Yearly EPS VS EstimatesDQ7A.I Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2021 0.2 0.4 0.6 0.8 1

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3

4. Valuation

4.1 Price/Earnings Ratio

  • DQ7A is valuated correctly with a Price/Earnings ratio of 15.46.
  • The rest of the industry has a similar Price/Earnings ratio as DQ7A.
  • Compared to an average S&P500 Price/Earnings ratio of 27.30, DQ7A is valued a bit cheaper.
Industry RankSector Rank
PE 15.46
Fwd PE N/A
DQ7A.I Price Earnings VS Forward Price EarningsDQ7A.I Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as DQ7A.
  • DQ7A's Price/Free Cash Flow ratio is rather cheap when compared to the industry. DQ7A is cheaper than 82.46% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.17
EV/EBITDA 8.94
DQ7A.I Per share dataDQ7A.I EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)3.64
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

  • No dividends for DQ7A!.
Industry RankSector Rank
Dividend Yield N/A

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DONEGAL INVESTMENT GROUP PLC

DUB:DQ7A (11/5/2025, 7:00:00 PM)

18.398

+0.2 (+1.09%)

Chartmill FA Rating
GICS SectorConsumer Staples
GICS IndustryGroupFood, Beverage & Tobacco
GICS IndustryFood Products
Earnings (Last)N/A
Earnings (Next)12-16
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners17.85%
Ins Owner ChangeN/A
Market Cap22.26M
Revenue(TTM)33.10M
Net Income(TTM)1.81M
Analysts82.86
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 15.46
Fwd PE N/A
P/S 0.67
P/FCF 8.17
P/OCF 7.57
P/B 1.23
P/tB 1.27
EV/EBITDA 8.94
EPS(TTM)1.19
EY6.47%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.25
FCFY12.24%
OCF(TTM)2.43
OCFY13.21%
SpS27.35
BVpS14.95
TBVpS14.51
PEG (NY)N/A
PEG (5Y)3.64
Graham Number20.01
Profitability
Industry RankSector Rank
ROA 8.25%
ROE 10.03%
ROCE 10.19%
ROIC 8.9%
ROICexc 10.39%
ROICexgc 10.75%
OM 5.65%
PM (TTM) 5.48%
GM 30.99%
FCFM 8.23%
ROA(3y)26.41%
ROA(5y)19.43%
ROE(3y)39.14%
ROE(5y)29.69%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y4.51%
ROICexgc growth 5Y-25.59%
ROICexc growth 3Y4.49%
ROICexc growth 5Y-21.16%
OM growth 3Y-7.8%
OM growth 5Y-6.94%
PM growth 3Y-28.4%
PM growth 5Y-10.01%
GM growth 3Y-4.2%
GM growth 5Y-3.11%
F-Score6
Asset Turnover1.5
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.35
Debt/EBITDA 0.27
Cap/Depr 50.7%
Cap/Sales 0.65%
Interest Coverage 250
Cash Conversion 128.09%
Profit Quality 150.14%
Current Ratio 4.57
Quick Ratio 4.35
Altman-Z 6.86
F-Score6
WACC7.46%
ROIC/WACC1.19
Cap/Depr(3y)41.3%
Cap/Depr(5y)126.67%
Cap/Sales(3y)0.68%
Cap/Sales(5y)4.25%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-57.53%
EPS 3Y-4.48%
EPS 5Y4.24%
EPS Q2Q%-89.63%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-35.3%
Revenue growth 3Y8.24%
Revenue growth 5Y-6.04%
Sales Q2Q%-66.11%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-50.04%
EBIT growth 3Y-0.2%
EBIT growth 5Y-12.56%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y2880.61%
FCF growth 3Y-4.51%
FCF growth 5Y-3.81%
OCF growth 1Y10041.4%
OCF growth 3Y-16.66%
OCF growth 5Y-6.57%

DONEGAL INVESTMENT GROUP PLC / DQ7A.I FAQ

What is the ChartMill fundamental rating of DONEGAL INVESTMENT GROUP PLC (DQ7A.I) stock?

ChartMill assigns a fundamental rating of 4 / 10 to DQ7A.I.


What is the valuation status for DQ7A stock?

ChartMill assigns a valuation rating of 3 / 10 to DONEGAL INVESTMENT GROUP PLC (DQ7A.I). This can be considered as Overvalued.


What is the profitability of DQ7A stock?

DONEGAL INVESTMENT GROUP PLC (DQ7A.I) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for DQ7A stock?

The Price/Earnings (PE) ratio for DONEGAL INVESTMENT GROUP PLC (DQ7A.I) is 15.46 and the Price/Book (PB) ratio is 1.23.


Can you provide the financial health for DQ7A stock?

The financial health rating of DONEGAL INVESTMENT GROUP PLC (DQ7A.I) is 9 / 10.