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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

DQ7A gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 58 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.


Dividend Valuation Growth Profitability Health

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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.
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.
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

Looking at the Return On Assets, with a value of 8.25%, DQ7A belongs to the top of the industry, outperforming 84.21% of the companies in the same industry.
The Return On Equity of DQ7A (10.03%) is comparable to the rest of the industry.
With an excellent Return On Invested Capital value of 8.90%, DQ7A belongs to the best 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

The Profit Margin of DQ7A (5.48%) is better than 63.16% of its industry peers.
DQ7A's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 5.65%, DQ7A is in line with its industry, outperforming 54.39% of the companies in the same industry.
DQ7A's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 30.99%, DQ7A is doing worse than 63.16% of the companies in the same industry.
In the last couple of years the Gross Margin of DQ7A has declined.
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.
The number of shares outstanding for DQ7A has been reduced compared to 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

DQ7A has an Altman-Z score of 6.86. This indicates that DQ7A is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of DQ7A (6.86) is better than 96.49% 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.
DQ7A has a Debt to FCF ratio of 0.35. This is amongst the best in 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.
Looking at the Debt to Equity ratio, with a value of 0.03, DQ7A belongs to the top of the industry, outperforming 94.74% of the companies in the same industry.
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.
With an excellent Current ratio value of 4.57, DQ7A belongs to the best of the industry, outperforming 96.49% of the companies in the same industry.
DQ7A has a Quick Ratio of 4.35. This indicates that DQ7A is financially healthy and has no problem in meeting 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

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.
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

The Price/Earnings ratio is 15.46, which indicates a correct valuation of DQ7A.
Compared to the rest of the industry, the Price/Earnings ratio of DQ7A is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 26.51. 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

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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 N/A
Earnings (Next)12-16 2025-12-16
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.