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.

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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.

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

1.2 Ratios

Looking at the Return On Assets, with a value of 8.25%, DQ7A is in the better half of the industry, outperforming 79.31% of the companies in the same industry.

DQ7A has a Return On Equity (10.03%) which is in line with its industry peers.

Looking at the Return On Invested Capital, with a value of 8.90%, DQ7A is in the better half of the industry, outperforming 72.41% 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's Profit Margin of 5.48% is in line compared to the rest of the industry. DQ7A outperforms 55.17% of its industry peers.

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

DQ7A has a Operating Margin (5.65%) which is comparable to the rest of the industry.

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

Looking at the Gross Margin, with a value of 30.99%, DQ7A is doing worse than 70.69% of the companies in the same industry.

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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.

2.2 Solvency

DQ7A has an Altman-Z score of 6.81. This indicates that DQ7A is financially healthy and has little risk of bankruptcy at the moment.

DQ7A has a better Altman-Z score (6.81) than 93.10% 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 Debt to FCF ratio of 0.35. This is amongst the best in the industry. DQ7A outperforms 94.83% of its industry peers.

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

DQ7A's Debt to Equity ratio of 0.03 is amongst the best of the industry. DQ7A outperforms 91.38% of its industry peers.

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

ROIC/WACC1.19

WACC7.46%

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 91.38% 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 better Quick ratio (4.35) than 96.55% of its industry peers.

		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%.

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.

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

DQ7A is valuated correctly with a Price/Earnings ratio of 15.21.

DQ7A's Price/Earnings ratio is in line with the industry average.

DQ7A's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.54.

		Industry Rank	Sector Rank
PE	15.21
Fwd PE	N/A

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as DQ7A.

Based on the Price/Free Cash Flow ratio, DQ7A is valued cheaply inside the industry as 82.76% of the companies are valued more expensively.

		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

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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 (9/22/2025, 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

WACC7.46%

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) 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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