DONEGAL INVESTMENT GROUP PLC(DUB:DQ7A) stock Fundamental Analysis

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. While DQ7A has a great health rating, its profitability is only average at the moment. DQ7A has a valuation in line with the averages, but 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.

In the past year DQ7A had a positive cash flow from operations.

DQ7A had positive earnings in each of the past 5 years.

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

1.2 Ratios

With an excellent Return On Assets value of 8.25%, DQ7A belongs to the best of the industry, outperforming 87.93% of the companies in the same industry.

Looking at the Return On Equity, with a value of 10.03%, DQ7A is in the better half of the industry, outperforming 62.07% of the companies in the same industry.

With an excellent Return On Invested Capital value of 8.90%, DQ7A belongs to the best of the industry, outperforming 81.03% of the companies in the same industry.

		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 has a Profit Margin (5.48%) which is in line with its industry peers.

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 worse Gross Margin (30.99%) than 62.07% of its industry peers.

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

		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.

DQ7A has about the same amout of shares outstanding than it did 1 year ago.

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

DQ7A has a worse debt/assets ratio than last year.

2.2 Solvency

An Altman-Z score of 6.56 indicates that DQ7A is not in any danger for bankruptcy at the moment.

DQ7A's Altman-Z score of 6.56 is amongst the best of the industry. DQ7A outperforms 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.

The Debt to FCF ratio of DQ7A (0.35) is better than 98.28% of its industry peers.

A Debt/Equity ratio of 0.03 indicates that DQ7A is not too dependend on debt financing.

DQ7A has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. DQ7A outperforms 94.83% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF	0.35
Altman-Z	6.56

ROIC/WACC1.22

WACC7.3%

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 has a Current ratio of 4.57. This is amongst the best in 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.

Looking at the Quick ratio, with a value of 4.35, DQ7A belongs to the top of the industry, outperforming 98.28% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	4.57
Quick Ratio	4.35

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for DQ7A have decreased strongly by -57.53% in the last year.

The Earnings Per Share has been growing slightly by 4.24% on average over the past years.

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-4.94%

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

DQ7A is valuated correctly with a Price/Earnings ratio of 13.87.

DQ7A's Price/Earnings ratio is a bit cheaper when compared to the industry. DQ7A is cheaper than 60.34% of the companies in the same industry.

When comparing the Price/Earnings ratio of DQ7A to the average of the S&P500 Index (29.35), we can say DQ7A is valued rather cheaply.

		Industry Rank	Sector Rank
PE	13.87
Fwd PE	N/A

4.2 Price Multiples

DQ7A's Enterprise Value to EBITDA ratio is in line with 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 Rank	Sector Rank
P/FCF	7.45
EV/EBITDA	8.09

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)3.27

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

DQ7A does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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DONEGAL INVESTMENT GROUP PLC

DUB:DQ7A (3/7/2025, 7:00:00 PM)

16.5

0 (0%)

Chartmill FA Rating

GICS SectorConsumer Staples

GICS IndustryGroupFood, Beverage & Tobacco

GICS IndustryFood Products

Earnings (Last)12-17 2024-12-17

Earnings (Next)04-23 2025-04-23

Inst OwnersN/A

Inst Owner ChangeN/A

Ins Owners21.18%

Ins Owner ChangeN/A

Market Cap20.30M

Analysts82.86

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly Dividend0

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	13.87
Fwd PE	N/A
P/S	0.61
P/FCF	7.45
P/OCF	6.9
P/B	1.12
P/tB	1.16
EV/EBITDA	8.09

EPS(TTM)1.19

EY7.21%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.22

FCFY13.43%

OCF(TTM)2.39

OCFY14.49%

SpS26.91

BVpS14.71

TBVpS14.28

PEG (NY)N/A

PEG (5Y)3.27

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	6.56

F-Score6

WACC7.3%

ROIC/WACC1.22

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-4.94%

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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