Donegal Investment Group plc
Donegal Investment Group plc Fundamental Analysis
Donegal Investment Group plc (DQ7A.IR) shows moderate financial fundamentals with a PE ratio of 9.12, profit margin of 8.50%, and ROE of 16.92%. The company generates $0.0B in annual revenue with strong year-over-year growth of 11.36%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 62.9/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze DQ7A.IR's fundamental strength across five key dimensions:
Efficiency Score
ExcellentDQ7A.IR demonstrates superior asset utilization.
Valuation Score
ExcellentDQ7A.IR trades at attractive valuation levels.
Growth Score
ModerateDQ7A.IR shows steady but slowing expansion.
Financial Health Score
ExcellentDQ7A.IR maintains a strong and stable balance sheet.
Profitability Score
WeakDQ7A.IR struggles to sustain strong margins.
Key Financial Metrics
Is DQ7A.IR Expensive or Cheap?
P/E Ratio
DQ7A.IR trades at 9.12 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, DQ7A.IR's PEG of 0.42 indicates potential undervaluation.
Price to Book
The market values Donegal Investment Group plc at 1.78 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.15 times EBITDA. This is generally considered low.
How Well Does DQ7A.IR Make Money?
Net Profit Margin
For every $100 in sales, Donegal Investment Group plc keeps $8.50 as profit after all expenses.
Operating Margin
Core operations generate 8.96 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $16.92 in profit for every $100 of shareholder equity.
ROA
Donegal Investment Group plc generates $13.60 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Donegal Investment Group plc generates limited operating cash flow of $-1.13M, signaling weaker underlying cash strength.
Free Cash Flow
Donegal Investment Group plc generates weak or negative free cash flow of $-1.41M, restricting financial flexibility.
FCF Per Share
Each share generates $-1.16 in free cash annually.
FCF Yield
DQ7A.IR converts -8.89% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
9.12
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.42
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.78
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.64
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
3.010
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.14
vs 25 benchmark
ROCE
Return on capital employed
0.21
vs 25 benchmark
How DQ7A.IR Stacks Against Its Sector Peers
| Metric | DQ7A.IR Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 9.12 | 22.36 | Better (Cheaper) |
| ROE | 16.92% | 1238.00% | Weak |
| Net Margin | 8.50% | -5096.00% (disorted) | Weak |
| Debt/Equity | 0.00 | 1.23 | Strong (Low Leverage) |
| Current Ratio | 3.01 | 2.47 | Strong Liquidity |
| ROA | 13.60% | -191998.00% (disorted) | Strong |
DQ7A.IR outperforms its industry in 4 out of 6 key metrics, particularly excelling in ROA, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Donegal Investment Group plc's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
100.66%
Industry Style: Defensive, Dividend, Low Volatility
High GrowthEPS CAGR
17.88%
Industry Style: Defensive, Dividend, Low Volatility
High GrowthFCF CAGR
95.08%
Industry Style: Defensive, Dividend, Low Volatility
High Growth