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. While DQ7A has a great health rating, its profitability is only average at the moment. DQ7A is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year DQ7A was profitable.

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

Each year in the past 5 years DQ7A has been profitable.

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 belongs to the top of the industry, outperforming 89.47% of the companies in the same industry.

The Return On Equity of DQ7A (10.03%) is better than 66.67% of its industry peers.

Looking at the Return On Invested Capital, with a value of 8.90%, DQ7A belongs to the top of the industry, outperforming 85.96% 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 of 5.48%. This is comparable to the rest of the industry: DQ7A outperforms 59.65% 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.

The Gross Margin of DQ7A (30.99%) is worse than 63.16% 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%

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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.

The number of shares outstanding for DQ7A remains at a similar level compared to 1 year ago.

Compared to 5 years ago, DQ7A has less shares outstanding

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

2.2 Solvency

An Altman-Z score of 6.67 indicates that DQ7A is not in any danger for bankruptcy at the moment.

The Altman-Z score of DQ7A (6.67) is better 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.

With an excellent Debt to FCF ratio value of 0.35, DQ7A belongs to the best of the industry, outperforming 96.49% of the companies in the same industry.

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

The Debt to Equity ratio of DQ7A (0.03) is better than 96.49% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF	0.35
Altman-Z	6.67

ROIC/WACC1.18

WACC7.56%

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.

The Current ratio of DQ7A (4.57) is better than 94.74% of its industry peers.

A Quick Ratio of 4.35 indicates that DQ7A has no problem at all paying its short term obligations.

With an excellent Quick ratio value of 4.35, DQ7A belongs to the best of the industry, outperforming 98.25% 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

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.

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4. Valuation

4.1 Price/Earnings Ratio

DQ7A is valuated correctly with a Price/Earnings ratio of 14.37.

66.67% of the companies in the same industry are more expensive than DQ7A, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 26.35, DQ7A is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	14.37
Fwd PE	N/A

4.2 Price Multiples

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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of DQ7A indicates a rather cheap valuation: DQ7A is cheaper than 84.21% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.72
EV/EBITDA	8.41

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)3.39

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 (6/11/2025, 7:00:00 PM)

17.1

+0.3 (+1.79%)

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 Cap20.69M

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	14.37
Fwd PE	N/A
P/S	0.64
P/FCF	7.72
P/OCF	7.15
P/B	1.16
P/tB	1.2
EV/EBITDA	8.41

EPS(TTM)1.19

EY6.96%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.22

FCFY12.96%

OCF(TTM)2.39

OCFY13.98%

SpS26.91

BVpS14.71

TBVpS14.28

PEG (NY)N/A

PEG (5Y)3.39

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	6.67

F-Score6

WACC7.56%

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-4.48%

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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