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

DUB:DQ7A - IE000TIRQBE1 - Common Stock

18.2 EUR
+1.8 (+10.98%)
Last: 9/5/2025, 7:00:00 PM
Fundamental Rating

4

Overall DQ7A gets a fundamental rating of 4 out of 10. We evaluated DQ7A against 57 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 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

With an excellent Return On Assets value of 8.25%, DQ7A belongs to the best of the industry, outperforming 84.21% of the companies in the same industry.
DQ7A's Return On Equity of 10.03% is in line compared to the rest of the industry. DQ7A outperforms 59.65% of its industry peers.
DQ7A has a Return On Invested Capital of 8.90%. This is in the better half of the industry: DQ7A outperforms 77.19% 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 decent Profit Margin value of 5.48%, DQ7A is doing good in the industry, outperforming 63.16% 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 50.88% of its industry peers.
DQ7A's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 30.99%, DQ7A is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
DQ7A's Gross Margin has declined in the last couple of years.
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.
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.
Compared to 1 year ago, DQ7A has a worse debt to assets ratio.
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 6.49 indicates that DQ7A is not in any danger for bankruptcy at the moment.
DQ7A has a better Altman-Z score (6.49) 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 better Debt to FCF ratio (0.35) than 96.49% of its industry peers.
A Debt/Equity ratio of 0.03 indicates that DQ7A is not too dependend on debt financing.
DQ7A has a better Debt to Equity ratio (0.03) than 96.49% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.35
Altman-Z 6.49
ROIC/WACC1.21
WACC7.37%
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.
With an excellent Current ratio value of 4.57, DQ7A belongs to the best of the industry, outperforming 94.74% 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.
Looking at the Quick ratio, with a value of 4.35, DQ7A belongs to the top of the industry, outperforming 98.25% of the companies in the same industry.
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

The earnings per share for DQ7A have decreased strongly by -57.53% in the last year.
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
Measured over the past years, DQ7A shows a decrease in Revenue. The Revenue has been decreasing by -6.04% on average per year.
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

DQ7A is valuated correctly with a Price/Earnings ratio of 15.29.
DQ7A's Price/Earnings ratio is a bit cheaper when compared to the industry. DQ7A is cheaper than 64.91% of the companies in the same industry.
DQ7A's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.06.
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

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of DQ7A indicates a somewhat cheap valuation: DQ7A is cheaper than 61.40% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, DQ7A is valued a bit cheaper than 78.95% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.08
EV/EBITDA 7.89
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

No dividends for DQ7A!.
Industry RankSector Rank
Dividend Yield N/A

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DONEGAL INVESTMENT GROUP PLC

DUB:DQ7A (9/5/2025, 7:00:00 PM)

18.2

+1.8 (+10.98%)

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 Cap22.02M
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 7.89
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
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
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 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 6.49
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%