DQ7A Fundamental Analysis - DONEGAL INVESTMENT GROUP PLC

Fundamental Rating

Overall DQ7A gets a fundamental rating of 4 out of 10. We evaluated DQ7A against 57 industry peers in the Food Products industry. DQ7A has an excellent financial health rating, but there are some minor concerns on its profitability. DQ7A is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

DQ7A had positive earnings in the past year.

DQ7A had a positive operating cash flow in the past year.

Each year in the past 5 years DQ7A has been profitable.

Of the past 5 years DQ7A 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 8.25%, DQ7A belongs to the top of the industry, outperforming 87.93% of the companies in the same industry.

The Return On Equity of DQ7A (10.03%) is better than 65.52% of its industry peers.

The Return On Invested Capital of DQ7A (8.90%) is better than 84.48% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

DQ7A's Profit Margin of 5.48% is in line compared to the rest of the industry. DQ7A outperforms 58.62% of its industry peers.

In the last couple of years the Profit Margin of DQ7A has declined.

DQ7A has a Operating Margin (5.65%) which is comparable to the rest of the industry.

DQ7A's Operating Margin has declined in the last couple of years.

With a Gross Margin value of 30.99%, DQ7A is not doing good in the industry: 65.52% of the companies in the same industry are doing better.

DQ7A's Gross Margin has declined in the last couple of years.

		Industry Rank	Sector 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 1 year ago, DQ7A has about the same amount of shares outstanding.

The number of shares outstanding for DQ7A has been reduced compared to 5 years ago.

Compared to 1 year ago, DQ7A has a worse debt to assets ratio.

2.2 Solvency

An Altman-Z score of 6.94 indicates that DQ7A is not in any danger for bankruptcy at the moment.

DQ7A has a better Altman-Z score (6.94) than 96.55% of its industry peers.

DQ7A has a debt to FCF ratio of 0.35. This is a very positive value and a sign of high solvency as it would only need 0.35 years to pay back of all of its debts.

With an excellent Debt to FCF ratio value of 0.35, DQ7A belongs to the best of the industry, outperforming 96.55% of the companies in the same industry.

DQ7A has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.03, DQ7A belongs to the top of the industry, outperforming 96.55% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF	0.35
Altman-Z	6.94

ROIC/WACC1.2

WACC7.41%

2.3 Liquidity

A Current Ratio of 4.57 indicates that DQ7A has no problem at all paying its short term obligations.

DQ7A's Current ratio of 4.57 is amongst the best of the industry. DQ7A outperforms 94.83% of its industry peers.

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 98.28% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	4.57
Quick Ratio	4.35

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

DQ7A shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -57.53%.

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.

DQ7A shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -35.30%.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 15.80, which indicates a correct valuation of DQ7A.

Compared to the rest of the industry, the Price/Earnings ratio of DQ7A indicates a somewhat cheap valuation: DQ7A is cheaper than 60.34% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of DQ7A to the average of the S&P500 Index (27.41), we can say DQ7A is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	15.8
Fwd PE	N/A

4.2 Price Multiples

DQ7A's Enterprise Value to EBITDA is on the same level as the industry average.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of DQ7A indicates a rather cheap valuation: DQ7A is cheaper than 82.76% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.35
EV/EBITDA	9.16

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)3.72

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for DQ7A!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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DONEGAL INVESTMENT GROUP PLC

DUB:DQ7A (6/26/2025, 7:00:00 PM)

18.8

+1.7 (+9.94%)

Chartmill FA Rating

GICS SectorConsumer Staples

GICS IndustryGroupFood, Beverage & Tobacco

GICS IndustryFood Products

Earnings (Last)04-25 2025-04-25

Earnings (Next)12-16 2025-12-16

Inst OwnersN/A

Inst Owner ChangeN/A

Ins Owners17.85%

Ins Owner ChangeN/A

Market Cap22.75M

Analysts82.86

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector 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 Rank	Sector Rank
PE	15.8
Fwd PE	N/A
P/S	0.69
P/FCF	8.35
P/OCF	7.73
P/B	1.26
P/tB	1.3
EV/EBITDA	9.16

EPS(TTM)1.19

EY6.33%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.25

FCFY11.98%

OCF(TTM)2.43

OCFY12.93%

SpS27.35

BVpS14.95

TBVpS14.51

PEG (NY)N/A

PEG (5Y)3.72

Profitability

		Industry Rank	Sector 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

ROICexcg growth 3Y4.51%

ROICexcg 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 Rank	Sector 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	6.94

F-Score6

WACC7.41%

ROIC/WACC1.2

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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