Donegal Investment Group PLC (DQ7A) fair value: what the stock is really worth
As of Nov 4, 2026: fair value (intrinsic value) of Donegal Investment Group PLC stock €5.76, price €9.50, that is 39.4% below the price, quality 58 out of 100. Rating: strongly overvalued. Calculated from audited financials with 12 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range €0.4853 – €22.50 · fair‑value band €5.48 – €6.22 · the €9.50 price screens above the €5.76 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Donegal Investment Group plc, together with its subsidiaries, engages in the development, purchase, and sale of seed potatoes in Ireland, Europe, and internationally. The company also engages in the rental and sale of property assets.
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In addition, it manufactures, sells and distributes dairy products. The company serves growers, processors, packers, retailers, and consumers. It also exports its products. The company was formerly known as Donegal Creameries plc and changed its name to Donegal Investment Group plc in July 2013.
Donegal Investment Group plc was founded in 1898 and is based in Letterkenny, Ireland.
Stock analysis
Donegal Investment Group PLC (DQ7A) currently trades at €9.50, while our model-based Fair Value estimate is €5.76, 39% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of €10.76 per share, and 2 of the 12 models we run sit above the €9.50 price.
Bear case: the Earnings-Based group reads lowest at €0.7900, and 10 of the 12 models stay below the price. Data coverage for this calculation is low.
Scenario range: €5.48 (bear) to €6.22 (bull), the price of €9.50 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 58/100 (solid quality), in the Consumer Defensive sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Donegal Investment Group PLC reported revenue of €0 in FY2025 versus €26.1M in FY2021. Reported net income was €113K in FY2025, compounding −58.7%/yr from FY2021.
Key figures
Market cap €11.7M Micro · P/S ratio 0.25 · EPS (TTM) €−4.75 · Dividend yield 3.0% · Return on equity −18.4% · Return on assets (EBIT) 0.3% (5-year average) · Revenue (TTM) €39.6M · Revenue growth (YoY) +28.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 16 out of 100 (low confidence).
What moves the price
The share trades about 48% below its 52-week high and 15% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Defensive peers we cover trades at 10% fair-value upside, at −39%, DQ7A screens richer than that median.
Fair Value models
Bear€5.48Fair Value €5.76Bull€6.22
Price €9.50 · Downside -39.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
FCF DCF€2.72€2.87€3.1381
Growth DCF€2.74€2.88€3.1179
Residual Income€6.35€6.66€7.1176
All 12 models by family
DCF Models
FCF DCF€2.72€2.87€3.1381
5Y P/E Exit€3.20€3.75€4.4171
10Y P/E Exit€2.99€3.34€3.6764
Earnings-Based
Graham-Dodd€0.6400€0.7900€0.880067
Dividend Discount
Gordon GGM€1.37€1.49€1.6669
DDM Multi-Stage€1.37€1.66€2.0467
Multiples
P/E Multiple€1.49€1.99€2.4863
P/B Multiple€13.77€18.36€22.9555
Asset-Based
NCAV (Graham)€7.10€10.76€13.4554
Growth DCF
Growth DCF€2.74€2.88€3.1179
Economic Profit
Residual Income€6.35€6.66€7.1176
Growth Earnings
Growth-Adj P/E€1.05€1.50€1.9567
The fair value above starts from this blend and is adjusted for a cyclical trough year.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.38/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+17.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−12.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−17.2%
Revenue growth 16 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−8.6%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−34.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−37.7%
Dividend (yield on the price)3.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−37.7% vs −12.6%, slowing
Profit margin 2018 to 2023 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.5% → 5%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+37.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about +34.4% a year for the price.
Compare Donegal Investment Group PLC with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Farm Products · 291 stocks
Beats the industry median on 5/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score58 · Above median
Fair Value upside−39.4% · Below median
Profitability
Return on assets0.9% · Below median
Operating margin (12 months)0.0% · Below median
Growth and dividend
Revenue growth (quarter YoY)28.3% · Top 25%
Dividend yield (12 months)3.0% · Above median
Valuation Multiplesvs Farm Products median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Donegal Investment Group PLC Fair Value". https://www.fairvalue-calculator.com/stock/DQ7A
Frequently asked questions
Is Donegal Investment Group PLC (DQ7A) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of €5.76 versus a price of €9.50, about 39% lower (overvalued).
What is the fair value of DQ7A?
Our model-based fair value for Donegal Investment Group PLC is €5.76 (as of Nov 4, 2026), built from audited fundamentals. The current price: €9.50.
What is the quality score of DQ7A?
Donegal Investment Group PLC has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Donegal Investment Group PLC (DQ7A)?
Our model-based price target is the fair value of €5.76 (as of Nov 4, 2026) from 12 valuation models. Cautious scenario €5.48, optimistic scenario €6.22. It is a calculation from audited fundamentals, not an analyst target.
What is the Donegal Investment Group PLC stock forecast for 2026?
Our models put fair value at €5.76, about 39% lower versus a price of €9.50 (overvalued). Cautious scenario €5.48, optimistic scenario €6.22. The calculation is refreshed regularly with new filings.
What is the revenue of Donegal Investment Group PLC (DQ7A)?
Donegal Investment Group PLC reported trailing-twelve-month revenue of about €39.6M (latest available figure, as of Nov 4, 2026).
Does Donegal Investment Group PLC pay a dividend?
Donegal Investment Group PLC currently shows a dividend yield of 2.95% relative to its recent price (as of Nov 4, 2026).
How much is the dividend of Donegal Investment Group PLC (DQ7A)?
Donegal Investment Group PLC has a dividend yield of 3.0%.
What growth is priced into Donegal Investment Group PLC (DQ7A)?
For today's price to be fair in a discounted-cash-flow model, Donegal Investment Group PLC would have to grow free cash flow by +37.4 % per year for five years (discount rate 10.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -17.2 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of DQ7A use?
Our models discount Donegal Investment Group PLC at 10.3 %: a base by market capitalisation (nano), country premium for Ireland. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Donegal Investment Group PLC that is +37.4 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (10.3 %) and the same formula as our fair value.
How much growth has Donegal Investment Group PLC (DQ7A) delivered so far?
Over the past 5 years revenue at Donegal Investment Group PLC grew -17.2 % a year. The price currently implies free-cash-flow growth of +37.4 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Donegal Investment Group PLC (DQ7A) growing?
The median revenue growth in the sector is +3.6 % a year. That is the yardstick for the growth priced into Donegal Investment Group PLC (+37.4 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Donegal Investment Group PLC (DQ7A)?
The free-cash-flow yield on the price is 0.71 %: that much free cash flow Donegal Investment Group PLC produces per unit of market value. When it exceeds the discount rate of our models (10.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Donegal Investment Group PLC (DQ7A)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Donegal Investment Group PLC it is €5.76 per share (as of Nov 4, 2026), against a price of €9.50. It is the blended result of 12 valuation models in 8 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is Donegal Investment Group PLC stock overvalued or undervalued in 2026?
As of Nov 4, 2026, DQ7A trades above its calculated fair value: price €9.50, fair value €5.76, a gap of about −39% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of DQ7A?
No. The price is what the market pays today (€9.50); the fair value is what the company's own numbers justify (€5.76). For Donegal Investment Group PLC the two are €3.74 per share apart. That gap is exactly why we show both numbers side by side.
How much is Donegal Investment Group PLC worth?
The market values Donegal Investment Group PLC at about €11.7M (market capitalisation, as of Nov 4, 2026). Per share that is €9.50; our models calculate a fair value of €5.76 per share.
What do the bullish and bearish scenarios say about DQ7A?
Our models span a range for Donegal Investment Group PLC: cautious scenario €5.48, base €5.76, optimistic €6.22 per share (as of Nov 4, 2026, price €9.50). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Donegal Investment Group PLC (DQ7A)?
Balance-sheet figures for Donegal Investment Group PLC (as of Nov 4, 2026): return on equity −18.4%. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is DQ7A from its 52-week high?
Donegal Investment Group PLC trades at €9.50, about 48% below its 52-week high of €18.40 and 15% above the low of €8.25 (as of Nov 4, 2026). Distance from the high says nothing about value: that is what the fair value of €5.76 is for.
Which stocks are comparable to Donegal Investment Group PLC?
From the same area (Consumer Defensive) we also value Muyuan Foods Group, Archer-Daniels-Midland Company, Tyson Foods, Inc, Bunge Global SA, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Donegal Investment Group PLC stock attractive at the current price?
The data as of Nov 4, 2026: price €9.50, calculated fair value €5.76 (−39%), Quality Score 58/100, from 12 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of DQ7A calculated?
We run Donegal Investment Group PLC through 12 models from 8 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of €5.76 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Donegal Investment Group PLC itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Donegal Investment Group PLC (DQ7A)?
The closing price on Nov 4, 2026 was €9.50. Our model-based fair value is €5.76, about 39% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Donegal Investment Group PLC right now?
The price sits above even our optimistic bull case (€6.22). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder. The models converge in a tight band (€5.48 to €6.22), unusually little disagreement for a valuation.
Where does the earnings growth of Donegal Investment Group PLC (DQ7A) come from?
Earnings per share at Donegal Investment Group PLC grew +4.7 % a year from 2012 to 2022. Broken into its drivers: revenue per share +3.3 %, EBIT margin +15.7 %, tax rate −0.6 %, residual (interest, one-offs) −11.9 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Donegal Investment Group PLC
How large is the market capitalisation of Donegal Investment Group PLC (DQ7A)?
The market capitalisation of Donegal Investment Group PLC is €11.7M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Donegal Investment Group PLC (DQ7A)?
The price-to-sales ratio of Donegal Investment Group PLC is 0.25 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Donegal Investment Group PLC (DQ7A)?
Earnings per share at Donegal Investment Group PLC are €−4.75. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Donegal Investment Group PLC (DQ7A)?
The dividend yield of Donegal Investment Group PLC is 3.0%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the return on equity of Donegal Investment Group PLC (DQ7A)?
The return on equity (ROE) of Donegal Investment Group PLC is −18.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Donegal Investment Group PLC (DQ7A)?
On an EBIT basis the return on assets of Donegal Investment Group PLC is 0.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at Donegal Investment Group PLC (DQ7A)?
Revenue at Donegal Investment Group PLC is growing +28.3% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Donegal Investment Group PLC (DQ7A)?
Earnings per share at Donegal Investment Group PLC are growing +210% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Donegal Investment Group PLC (DQ7A) hold?
Donegal Investment Group PLC holds more cash than debt, €3.7M net (fiscal year 2021). The company holds more cash than debt, a safety cushion.
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Thin data
Nov 4, 2026