ASIC

Ategrity Specialty

Fundamental data last updated:April 13, 2026

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company profile

SECTOR

Financial Services

industry

Insurance - Property & Casualty

Exchange

NYSE

County of HQ

China

Next Earnings Date

05/21/26

Business Summary

DDL operates a grocery retail platform, generating cash through high-frequency, low-ticket consumer purchases in the Consumer Defensive segment. The model relies on tight inventory turnover, supplier relationships, and pricing control to extract margin from everyday staples. With a 35.30% operating margin, the company appears to monetize operational efficiency rather than pure pricing power. Its moat, if durable, would come from logistics density, customer retention in recurring food purchases, and scale-driven procurement advantages that protect gross and operating profitability.

 


VALUATION

P/E

13

Market Cap ($M USD)

$989

Forward P/E

8

PEG

-

PRICE TO SALES

2.2

PRICE TO BOOK

1.6

EV / EBITDA

9.8

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

-

Annual Payout

-

Payout Ratio

-

Consecutive Years of Dividend Growth

0

5-Year Dividend Growth Rate

-

Financial Health & Profitability

Earnings Per Share

$1.64

Next Year EPS Growth Estimate

$2.57

Next Year Revenue Growth Estimate

34.60%

Return on Equity (ROE)

11.90%

FREE CASH FLOW

Operating Margin

-

Debt-to-Equity

0

Piotroski F-Score

-

Altman Z-Score

-

Return on Invested Capital (ROIC)

12.10%

Current Ratio

-

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

Gainseekers Quantitative Analysis

Summary

DDL trades like a distressed asset despite printing a 35.30% operating margin and 9.70% ROE, and the market is clearly struggling to reconcile that profitability with its balance sheet risk. A Forward P/E of 1 implies either a collapse in forward earnings expectations or a severe credibility discount, especially when EPS is 11.2 versus an EPS Next Year estimate of $0.20. The Altman Z-Score of 1.2 places the company firmly in distress territory, meaning bankruptcy risk cannot be ignored. At a 0.2 Price/Sales ratio and a $574M market cap, the stock is priced for deterioration, not stability. This is a deep value setup with real solvency risk embedded in the multiple.

AI Exposure / Tech Reliance

As a Grocery Stores operator in the Consumer Defensive sector, DDL operates in a category where AI-driven demand forecasting, inventory optimization, and logistics automation can materially improve margins. With an already high 35.30% operating margin, incremental efficiency gains from automation could be meaningful. However, grocery retail is operationally intensive, so technology is an enhancer, not a structural game changer.

The Bull Case

A value or GARP investor would immediately focus on the 0.2 Price/Sales ratio and the extraordinary Forward P/E of 1, which signal extreme pessimism relative to current profitability. The company is generating a 35.30% operating margin and 9.00% ROIC, which, if sustainable, are far too strong for a $574M market cap business. A Piotroski F-Score of 4 is not stellar but suggests the fundamentals are not completely broken. Return on Equity at 9.70% combined with a Current Ratio of 1 indicates operational stability rather than collapse. If EPS stabilizes anywhere above the $0.20 forward estimate, this multiple rerates violently.

The Bear Case

The red flags are serious. EPS of 11.2 collapsing to an estimated $0.20 next year signals either massive earnings normalization or structural earnings pressure, and the market is clearly pricing that in. An Altman Z-Score of 1.2 combined with 0.90% Debt/Equity suggests balance sheet vulnerability if margins compress. The absence of a PEG Forward ratio and missing Short % of Float data leave visibility gaps, which institutions typically hate. Institutional Ownership listed at $2.55 and a Consensus Rating of 1.70% with a Mean Target Price of 3 do not signal overwhelming institutional conviction.

Market Sentiment & Smart Money

Short Interest %

7.10%

Analyst Consensus

1.67

Average Analyst Price Target

$26.80

Institutional Ownership %

12.70%

1-Year Beta

0.33

Insider Buying % (6 Mo)

81.00%%

Distance to 52-Week High

81.30%

Distance to 52-Week Low

125.90%

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.