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

Europe - DUB:DQ7A - IE000TIRQBE1 - Common Stock

18.2 EUR
+1.2 (+7.06%)
Last: 10/29/2025, 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. While DQ7A has a great health rating, its profitability is only average at the moment. 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

DQ7A had positive earnings in the past year.
In the past year DQ7A had a positive cash flow from operations.
In the past 5 years DQ7A has always 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M

1.2 Ratios

DQ7A has a better Return On Assets (8.25%) than 82.76% of its industry peers.
DQ7A has a Return On Equity (10.03%) which is comparable to the rest of the industry.
DQ7A's Return On Invested Capital of 8.90% is fine compared to the rest of the industry. DQ7A outperforms 77.59% 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

1.3 Margins

With a Profit Margin value of 5.48%, DQ7A perfoms like the industry average, outperforming 56.90% of the companies in the same industry.
DQ7A's Profit Margin has declined in the last couple of years.
DQ7A's Operating Margin of 5.65% is in line compared to the rest of the industry. DQ7A outperforms 48.28% of its industry peers.
DQ7A's Operating Margin has declined in the last couple of years.
DQ7A's Gross Margin of 30.99% is on the low side compared to the rest of the industry. DQ7A is outperformed by 63.79% of its industry peers.
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 2015 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.
Compared to 1 year ago, DQ7A has about the same amount of shares outstanding.
Compared to 5 years ago, DQ7A has less shares outstanding
The debt/assets ratio for DQ7A is higher compared to a year ago.
DQ7A.I Yearly Shares OutstandingDQ7A.I Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
DQ7A.I Yearly Total Debt VS Total AssetsDQ7A.I Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.2 Solvency

An Altman-Z score of 6.82 indicates that DQ7A is not in any danger for bankruptcy at the moment.
DQ7A's Altman-Z score of 6.82 is amongst the best of the industry. DQ7A outperforms 94.83% 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's Debt to FCF ratio of 0.35 is amongst the best of the industry. DQ7A outperforms 94.83% 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 has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. DQ7A outperforms 93.10% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.35
Altman-Z 6.82
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 2015 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.
DQ7A's Current ratio of 4.57 is amongst the best of the industry. DQ7A outperforms 93.10% of its industry peers.
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 has a Quick ratio of 4.35. This is amongst the best in the industry. DQ7A outperforms 98.28% 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 2015 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.
Looking at the last year, DQ7A shows a very negative growth in Revenue. The Revenue has decreased by -35.30% in the last year.
DQ7A shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.04% yearly.
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 2014 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 15.29, which indicates a correct valuation of DQ7A.
DQ7A's Price/Earnings is on the same level as the industry average.
DQ7A is valuated rather cheaply when we compare the Price/Earnings ratio to 26.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.29
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.
Based on the Price/Free Cash Flow ratio, DQ7A is valued cheaper than 84.48% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.08
EV/EBITDA 8.84
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)3.6
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 (10/29/2025, 7:00:00 PM)

18.2

+1.2 (+7.06%)

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 Cap22.02M
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 15.29
Fwd PE N/A
P/S 0.67
P/FCF 8.08
P/OCF 7.49
P/B 1.22
P/tB 1.25
EV/EBITDA 8.84
EPS(TTM)1.19
EY6.54%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.25
FCFY12.37%
OCF(TTM)2.43
OCFY13.35%
SpS27.35
BVpS14.95
TBVpS14.51
PEG (NY)N/A
PEG (5Y)3.6
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 6.82
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 of DONEGAL INVESTMENT GROUP PLC (DQ7A.I) 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.


What is the financial health of DONEGAL INVESTMENT GROUP PLC (DQ7A.I) stock?

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


Is the dividend of DONEGAL INVESTMENT GROUP PLC sustainable?

The dividend rating of DONEGAL INVESTMENT GROUP PLC (DQ7A.I) is 0 / 10 and the dividend payout ratio is 0%.