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

Fundamental Rating

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 is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. DQ7A is valued correctly, 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.

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

DQ7A has a better Return On Assets (8.25%) than 86.21% of its industry peers.

DQ7A has a Return On Equity of 10.03%. This is comparable to the rest of the industry: DQ7A outperforms 56.90% of its industry peers.

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 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

The Profit Margin of DQ7A (5.48%) is comparable to the rest of the industry.

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

DQ7A has a Operating Margin of 5.65%. This is comparable to the rest of the industry: DQ7A outperforms 51.72% of its industry peers.

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

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 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.

DQ7A has less shares outstanding than it did 5 years ago.

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

2.2 Solvency

DQ7A has an Altman-Z score of 6.56. This indicates that DQ7A is financially healthy and has little risk of bankruptcy at the moment.

The Altman-Z score of DQ7A (6.56) is better 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.

DQ7A's Debt to FCF ratio of 0.35 is amongst the best of the industry. DQ7A outperforms 96.55% 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.

With an excellent Debt to Equity ratio value of 0.03, DQ7A belongs to the best of the industry, outperforming 94.83% of the companies in the same industry.

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

ROIC/WACC1.18

WACC7.55%

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 94.83% 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.

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

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%.

DQ7A shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.24% yearly.

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

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

A Price/Earnings ratio of 13.87 indicates a correct valuation of DQ7A.

DQ7A's Price/Earnings ratio is a bit cheaper when compared to the industry. DQ7A is cheaper than 65.52% of the companies in the same industry.

DQ7A's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.87.

		Industry Rank	Sector Rank
PE	13.87
Fwd PE	N/A

4.2 Price Multiples

DQ7A's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. DQ7A is cheaper than 60.34% of the companies in the same industry.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of DQ7A indicates a rather cheap valuation: DQ7A is cheaper than 84.48% of the companies listed 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

No dividends for DQ7A!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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DONEGAL INVESTMENT GROUP PLC

DUB:DQ7A (4/28/2025, 7:00:00 PM)

16.5

-0.1 (-0.6%)

Chartmill FA Rating

GICS SectorConsumer Staples

GICS IndustryGroupFood, Beverage & Tobacco

GICS IndustryFood Products

Earnings (Last)04-23 2025-04-23

Earnings (Next)N/A N/A

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 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	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

WACC7.55%

ROIC/WACC1.18

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

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

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5. Dividend

5.1 Amount

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