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

Europe - Euronext Dublin - DUB:DQ7A - IE000TIRQBE1 - Common Stock

18.398 EUR
+0.2 (+1.09%)
Last: 11/5/2025, 7:00:00 PM
Fundamental Rating

4

Overall DQ7A gets a fundamental rating of 4 out of 10. We evaluated DQ7A against 59 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.
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.
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

DQ7A's Return On Assets of 8.25% is amongst the best of the industry. DQ7A outperforms 84.21% of its industry peers.
The Return On Equity of DQ7A (10.03%) is comparable to the rest of the industry.
DQ7A's Return On Invested Capital of 8.90% is amongst the best of the industry. DQ7A outperforms 84.21% 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

The Profit Margin of DQ7A (5.48%) is better than 63.16% of its industry peers.
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 54.39% of its industry peers.
In the last couple of years the Operating Margin of DQ7A has declined.
DQ7A has a worse Gross Margin (30.99%) than 63.16% of its industry peers.
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.
The debt/assets ratio for DQ7A is higher compared to a year ago.
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

DQ7A has an Altman-Z score of 6.86. This indicates that DQ7A is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 6.86, DQ7A belongs to the top of the industry, outperforming 96.49% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 0.35, DQ7A belongs to the top of the industry, outperforming 96.49% of the companies in the same industry.
DQ7A has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
DQ7A has a better Debt to Equity ratio (0.03) than 94.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.35
Altman-Z 6.86
ROIC/WACC1.19
WACC7.46%
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

A Current Ratio of 4.57 indicates that DQ7A has no problem at all paying its short term obligations.
The Current ratio of DQ7A (4.57) is better than 96.49% of its industry peers.
A Quick Ratio of 4.35 indicates that DQ7A has no problem at all paying its short term obligations.
The Quick ratio of DQ7A (4.35) is better than 100.00% of its industry peers.
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.
The Earnings Per Share has been growing slightly by 4.24% on average over the past years.
The Revenue for DQ7A has decreased by -35.30% in the past year. This is quite bad
The Revenue has been decreasing by -6.04% on average over the past years.
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

The Price/Earnings ratio is 15.46, which indicates a correct valuation of DQ7A.
DQ7A's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of DQ7A to the average of the S&P500 Index (25.98), we can say DQ7A is valued slightly cheaper.
Industry RankSector Rank
PE 15.46
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 is on the same level as its industry peers.
DQ7A's Price/Free Cash Flow ratio is rather cheap when compared to the industry. DQ7A is cheaper than 82.46% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.17
EV/EBITDA 8.94
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)3.64
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 (11/5/2025, 7:00:00 PM)

18.398

+0.2 (+1.09%)

Chartmill FA Rating
GICS SectorConsumer Staples
GICS IndustryGroupFood, Beverage & Tobacco
GICS IndustryFood Products
Earnings (Last)N/A N/A
Earnings (Next)12-16 2025-12-16
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners17.85%
Ins Owner ChangeN/A
Market Cap22.26M
Revenue(TTM)33.10M
Net Income(TTM)1.81M
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 15.46
Fwd PE N/A
P/S 0.67
P/FCF 8.17
P/OCF 7.57
P/B 1.23
P/tB 1.27
EV/EBITDA 8.94
EPS(TTM)1.19
EY6.47%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.25
FCFY12.24%
OCF(TTM)2.43
OCFY13.21%
SpS27.35
BVpS14.95
TBVpS14.51
PEG (NY)N/A
PEG (5Y)3.64
Graham Number20.01
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
ROICexgc growth 3Y4.51%
ROICexgc 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 6.86
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 FAQ

What is the ChartMill fundamental rating of DONEGAL INVESTMENT GROUP PLC (DQ7A.I) stock?

ChartMill assigns a fundamental rating of 4 / 10 to DQ7A.I.


What is the valuation status of DONEGAL INVESTMENT GROUP PLC (DQ7A.I) stock?

ChartMill assigns a valuation rating of 3 / 10 to DONEGAL INVESTMENT GROUP PLC (DQ7A.I). This can be considered as Overvalued.


What is the profitability of DQ7A stock?

DONEGAL INVESTMENT GROUP PLC (DQ7A.I) has a profitability rating of 4 / 10.


What is the financial health of DONEGAL INVESTMENT GROUP PLC (DQ7A.I) stock?

The financial health rating of DONEGAL INVESTMENT GROUP PLC (DQ7A.I) is 9 / 10.


Is the dividend of DONEGAL INVESTMENT GROUP PLC sustainable?

The dividend rating of DONEGAL INVESTMENT GROUP PLC (DQ7A.I) is 0 / 10 and the dividend payout ratio is 0%.