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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

Overall DQ7A gets a fundamental rating of 4 out of 10. We evaluated DQ7A against 64 industry peers in the Food Products industry. DQ7A has an excellent financial health rating, but there are some minor concerns on its profitability. DQ7A has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • DQ7A had positive earnings in the past year.
  • In the past year DQ7A had a positive cash flow from operations.
  • Each year in the past 5 years DQ7A has been profitable.
  • 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.
  • The Return On Equity of DQ7A (10.03%) is comparable to the rest of the industry.
  • Looking at the Return On Invested Capital, with a value of 8.90%, DQ7A belongs to the top of the industry, outperforming 84.21% of the companies in the same industry.
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

  • DQ7A has a Profit Margin of 5.48%. This is in the better half of the industry: DQ7A outperforms 63.16% of its industry peers.
  • In the last couple of years the Profit Margin of DQ7A has declined.
  • DQ7A's Operating Margin of 5.65% is in line compared to the rest of the industry. DQ7A outperforms 54.39% of its industry peers.
  • In the last couple of years the Operating Margin of DQ7A has declined.
  • DQ7A's Gross Margin of 30.99% is on the low side compared to the rest of the industry. DQ7A is outperformed by 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.
  • Compared to 1 year ago, DQ7A has a worse debt to assets ratio.
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.
  • With an excellent Altman-Z score value of 6.86, DQ7A belongs to the best of the industry, outperforming 96.49% of the companies in the same industry.
  • 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.
  • DQ7A's Debt to FCF ratio of 0.35 is amongst the best of the industry. DQ7A outperforms 96.49% of its industry peers.
  • A Debt/Equity ratio of 0.03 indicates that DQ7A is not too dependend on debt financing.
  • 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

  • A Current Ratio of 4.57 indicates that DQ7A has no problem at all paying 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.
  • DQ7A's Quick ratio of 4.35 is amongst the best of the industry. DQ7A outperforms 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.
  • Measured over the past 5 years, DQ7A shows a small growth in Earnings Per Share. The EPS has been growing by 4.24% on average per year.
  • The Revenue for DQ7A has decreased by -35.30% in the past year. This is quite bad
  • The Revenue has been decreasing by -6.04% on average over the past years.
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

  • Based on the Price/Earnings ratio of 15.46, the valuation of DQ7A can be described as correct.
  • DQ7A's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 27.38. DQ7A is valued slightly cheaper when compared to this.
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

  • DQ7A's Enterprise Value to EBITDA is on the same level as the industry average.
  • 82.46% of the companies in the same industry are more expensive than DQ7A, based on the Price/Free Cash Flow ratio.
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

  • DQ7A does not give a dividend.
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.