DQ7A Fundamental Analysis - DONEGAL INVESTMENT GROUP PLC

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to DQ7A. DQ7A was compared to 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.

Quickly go to:

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.

1.2 Ratios

Looking at the Return On Assets, with a value of 8.25%, DQ7A belongs to the top of the industry, outperforming 86.21% of the companies in the same industry.

Looking at the Return On Equity, with a value of 10.03%, DQ7A is in line with its industry, outperforming 58.62% of the companies in the same industry.

DQ7A has a Return On Invested Capital of 8.90%. This is in the better half of the industry: DQ7A outperforms 75.86% 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

With a decent Profit Margin value of 5.48%, DQ7A is doing good in the industry, outperforming 62.07% of the companies in the same industry.

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

The Operating Margin of DQ7A (5.65%) is comparable to the rest of the industry.

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 67.24% of its industry peers.

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%

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

DQ7A has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it 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.

2.2 Solvency

An Altman-Z score of 6.81 indicates that DQ7A is not in any danger for bankruptcy at the moment.

DQ7A has a better Altman-Z score (6.81) than 96.55% 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.

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.

DQ7A has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. DQ7A outperforms 96.55% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF	0.35
Altman-Z	6.81

ROIC/WACC1.21

WACC7.37%

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 94.83% 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 has a Quick ratio of 4.35. This is amongst the best in the industry. DQ7A outperforms 98.28% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	4.57
Quick Ratio	4.35

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

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.

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 15.21, DQ7A is valued correctly.

Compared to the rest of the industry, the Price/Earnings ratio of DQ7A indicates a somewhat cheap valuation: DQ7A is cheaper than 62.07% of the companies listed in the same industry.

DQ7A's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.20.

		Industry Rank	Sector Rank
PE	15.21
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of DQ7A is on the same level as its industry peers.

DQ7A's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. DQ7A is cheaper than 79.31% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.04
EV/EBITDA	8.79

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)3.58

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

No dividends for DQ7A!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

DONEGAL INVESTMENT GROUP PLC

DUB:DQ7A (9/16/2025, 7:00:00 PM)

18.1

0 (0%)

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 Cap21.90M

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	15.21
Fwd PE	N/A
P/S	0.66
P/FCF	8.04
P/OCF	7.45
P/B	1.21
P/tB	1.25
EV/EBITDA	8.79

EPS(TTM)1.19

EY6.57%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.25

FCFY12.44%

OCF(TTM)2.43

OCFY13.43%

SpS27.35

BVpS14.95

TBVpS14.51

PEG (NY)N/A

PEG (5Y)3.58

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	6.81

F-Score6

WACC7.37%

ROIC/WACC1.21

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

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens