AIB GROUP PLC (A5G.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:A5G - IE00BF0L3536 - Common Stock
9.23 EUR
+0.11 (+1.21%)
Taking everything into account, A5G scores 4 out of 10 in our fundamental rating. A5G was compared to 102 industry peers in the Banks industry. Both the profitability and the financial health of A5G get a neutral evaluation. Nothing too spectacular is happening here. A5G has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
A5G had positive earnings in the past year.
In the past year A5G had a positive cash flow from operations.
A5G had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: A5G reported negative operating cash flow in multiple years.
1.2 Ratios
With an excellent Return On Assets value of 1.44%, A5G belongs to the best of the industry, outperforming 85.96% of the companies in the same industry.
A5G has a better Return On Equity (14.53%) than 77.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.44% | ||
| ROE | 14.53% | ||
| ROIC | N/A |
ROA(3y)1.2%
ROA(5y)0.67%
ROE(3y)11.23%
ROE(5y)6.38%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
A5G has a better Profit Margin (42.19%) than 94.74% of its industry peers.
In the last couple of years the Profit Margin of A5G has grown nicely.
The Operating Margin and Gross Margin are not available for A5G so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 42.19% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y24.58%
PM growth 5Y31.34%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
A5G does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for A5G has been reduced compared to 1 year ago.
A5G has less shares outstanding than it did 5 years ago.
A5G has a better debt/assets ratio than last year.
2.2 Solvency
A5G has a debt to FCF ratio of 1.90. This is a very positive value and a sign of high solvency as it would only need 1.90 years to pay back of all of its debts.
The Debt to FCF ratio of A5G (1.90) is better than 93.86% of its industry peers.
A5G has a Debt/Equity ratio of 0.82. This is a neutral value indicating A5G is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.82, A5G is doing good in the industry, outperforming 77.19% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.82 | ||
| Debt/FCF | 1.9 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.93%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
A5G shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.81%.
A5G shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 27.13% yearly.
Looking at the last year, A5G shows a decrease in Revenue. The Revenue has decreased by -5.85% in the last year.
Measured over the past years, A5G shows a quite strong growth in Revenue. The Revenue has been growing by 12.21% on average per year.
EPS 1Y (TTM)3.81%
EPS 3Y63.19%
EPS 5Y27.13%
EPS Q2Q%-7.14%
Revenue 1Y (TTM)-5.85%
Revenue growth 3Y26.42%
Revenue growth 5Y12.21%
Sales Q2Q%-14.42%
3.2 Future
Based on estimates for the next years, A5G will show a small growth in Earnings Per Share. The EPS will grow by 4.39% on average per year.
Based on estimates for the next years, A5G will show a small growth in Revenue. The Revenue will grow by 0.71% on average per year.
EPS Next Y-11.3%
EPS Next 2Y-4.61%
EPS Next 3Y0.29%
EPS Next 5Y4.39%
Revenue Next Year-7.4%
Revenue Next 2Y-3.61%
Revenue Next 3Y-1.32%
Revenue Next 5Y0.71%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.26, which indicates a very decent valuation of A5G.
71.93% of the companies in the same industry are more expensive than A5G, based on the Price/Earnings ratio.
A5G is valuated cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 10.91 indicates a reasonable valuation of A5G.
The rest of the industry has a similar Price/Forward Earnings ratio as A5G.
A5G is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.26 | ||
| Fwd PE | 10.91 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, A5G is valued cheaply inside the industry as 88.60% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.05 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.38
EPS Next 2Y-4.61%
EPS Next 3Y0.29%
5. Dividend
5.1 Amount
No dividends for A5G!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:A5G (12/18/2025, 7:00:00 PM)
9.23
+0.11 (+1.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.76%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap19.72B
Revenue(TTM)4.94B
Net Income(TTM)2.08B
Analysts70.59
Price Target8.69 (-5.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend0.31
Dividend Growth(5Y)13.05%
DP45.54%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)3.09%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)5.24%
EPS NY rev (3m)5.95%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.03%
Revenue NY rev (3m)1.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.26 | ||
| Fwd PE | 10.91 | ||
| P/S | 3.99 | ||
| P/FCF | 3.05 | ||
| P/OCF | 2.91 | ||
| P/B | 1.37 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.9
EY9.75%
EPS(NY)0.85
Fwd EY9.17%
FCF(TTM)3.03
FCFY32.82%
OCF(TTM)3.17
OCFY34.34%
SpS2.31
BVpS6.71
TBVpS6.27
PEG (NY)N/A
PEG (5Y)0.38
Graham Number11.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.44% | ||
| ROE | 14.53% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 42.19% | ||
| GM | N/A | ||
| FCFM | 131.06% |
ROA(3y)1.2%
ROA(5y)0.67%
ROE(3y)11.23%
ROE(5y)6.38%
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 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y24.58%
PM growth 5Y31.34%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.82 | ||
| Debt/FCF | 1.9 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 101.01% | ||
| Cap/Sales | 6.05% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 310.61% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC5.93%
ROIC/WACCN/A
Cap/Depr(3y)75.72%
Cap/Depr(5y)76.12%
Cap/Sales(3y)5.46%
Cap/Sales(5y)7.08%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.81%
EPS 3Y63.19%
EPS 5Y27.13%
EPS Q2Q%-7.14%
EPS Next Y-11.3%
EPS Next 2Y-4.61%
EPS Next 3Y0.29%
EPS Next 5Y4.39%
Revenue 1Y (TTM)-5.85%
Revenue growth 3Y26.42%
Revenue growth 5Y12.21%
Sales Q2Q%-14.42%
Revenue Next Year-7.4%
Revenue Next 2Y-3.61%
Revenue Next 3Y-1.32%
Revenue Next 5Y0.71%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-51.97%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y170.61%
FCF growth 3Y-38.63%
FCF growth 5Y-3.18%
OCF growth 1Y175.64%
OCF growth 3Y-37.37%
OCF growth 5Y-3.3%
AIB GROUP PLC / A5G.DE FAQ
What is the fundamental rating for A5G stock?
ChartMill assigns a fundamental rating of 4 / 10 to A5G.DE.
Can you provide the valuation status for AIB GROUP PLC?
ChartMill assigns a valuation rating of 5 / 10 to AIB GROUP PLC (A5G.DE). This can be considered as Fairly Valued.
Can you provide the profitability details for AIB GROUP PLC?
AIB GROUP PLC (A5G.DE) has a profitability rating of 4 / 10.
What is the valuation of AIB GROUP PLC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for AIB GROUP PLC (A5G.DE) is 10.26 and the Price/Book (PB) ratio is 1.37.
Is the dividend of AIB GROUP PLC sustainable?
The dividend rating of AIB GROUP PLC (A5G.DE) is 0 / 10 and the dividend payout ratio is 45.54%.