AIB GROUP PLC (A5G.DE) Fundamental Analysis & Valuation

FRA:A5G • IE00BF0L3536

Current stock price

8.845 EUR
-0.17 (-1.89%)
Last:

This A5G.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. A5G.DE Profitability Analysis

1.1 Basic Checks

  • In the past year A5G was profitable.
  • In the past year A5G had a positive cash flow from operations.
  • A5G had positive earnings in each 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.
A5G.DE Yearly Net Income VS EBIT VS OCF VS FCFA5G.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

1.2 Ratios

  • A5G's Return On Assets of 1.39% is amongst the best of the industry. A5G outperforms 85.45% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.98%, A5G is in the better half of the industry, outperforming 75.45% of the companies in the same industry.
Industry RankSector Rank
ROA 1.39%
ROE 13.98%
ROIC N/A
ROA(3y)1.49%
ROA(5y)1.09%
ROE(3y)13.99%
ROE(5y)10.39%
ROIC(3y)N/A
ROIC(5y)N/A
A5G.DE Yearly ROA, ROE, ROICA5G.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • A5G has a better Profit Margin (41.93%) than 90.91% 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 RankSector Rank
OM N/A
PM (TTM) 41.93%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y23.27%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
A5G.DE Yearly Profit, Operating, Gross MarginsA5G.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40

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4

2. A5G.DE Health Analysis

2.1 Basic Checks

  • A5G does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, A5G has less shares outstanding
  • The number of shares outstanding for A5G has been reduced compared to 5 years ago.
  • A5G has a worse debt/assets ratio than last year.
A5G.DE Yearly Shares OutstandingA5G.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B
A5G.DE Yearly Total Debt VS Total AssetsA5G.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B

2.2 Solvency

  • A5G has a debt to FCF ratio of 1.42. This is a very positive value and a sign of high solvency as it would only need 1.42 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.42, A5G belongs to the top of the industry, outperforming 97.27% of the companies in the same industry.
  • A5G has a Debt/Equity ratio of 0.80. This is a neutral value indicating A5G is somewhat dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.80, A5G is doing good in the industry, outperforming 74.55% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 1.42
Altman-Z N/A
ROIC/WACCN/A
WACC5.99%
A5G.DE Yearly LT Debt VS Equity VS FCFA5G.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
A5G.DE Yearly Current Assets VS Current LiabilitesA5G.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. A5G.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 0.32% over the past year.
  • Measured over the past years, A5G shows a very strong growth in Earnings Per Share. The EPS has been growing by 53.10% on average per year.
  • Looking at the last year, A5G shows a decrease in Revenue. The Revenue has decreased by -5.73% in the last year.
  • A5G shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.48% yearly.
EPS 1Y (TTM)0.32%
EPS 3Y53.1%
EPS 5YN/A
EPS Q2Q%6.47%
Revenue 1Y (TTM)-5.73%
Revenue growth 3Y16.06%
Revenue growth 5Y13.48%
Sales Q2Q%-12.11%

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 5.78% on average per year.
  • A5G is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.51% yearly.
EPS Next Y-10.65%
EPS Next 2Y-0.82%
EPS Next 3Y5.78%
EPS Next 5YN/A
Revenue Next Year-0.02%
Revenue Next 2Y1.71%
Revenue Next 3Y3.51%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
A5G.DE Yearly Revenue VS EstimatesA5G.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B 5B
A5G.DE Yearly EPS VS EstimatesA5G.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 1

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5

4. A5G.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.51 indicates a reasonable valuation of A5G.
  • Based on the Price/Earnings ratio, A5G is valued a bit cheaper than 68.18% of the companies in the same industry.
  • A5G's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.95.
  • Based on the Price/Forward Earnings ratio of 10.61, the valuation of A5G can be described as reasonable.
  • A5G's Price/Forward Earnings ratio is in line with the industry average.
  • A5G is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.51
Fwd PE 10.61
A5G.DE Price Earnings VS Forward Price EarningsA5G.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 85.45% of the companies in the same industry are more expensive than A5G, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.28
EV/EBITDA N/A
A5G.DE Per share dataA5G.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-0.82%
EPS Next 3Y5.78%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. A5G.DE Dividend Analysis

5.1 Amount

  • No dividends for A5G!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

A5G.DE Fundamentals: All Metrics, Ratios and Statistics

AIB GROUP PLC

FRA:A5G (3/17/2026, 7:00:00 PM)

8.845

-0.17 (-1.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-04
Earnings (Next)07-30
Inst Owners69.89%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap18.87B
Revenue(TTM)4.90B
Net Income(TTM)2.06B
Analysts67.78
Price Target9.24 (4.47%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.54
Dividend Growth(5Y)100.05%
DP58.8%
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)0%
PT rev (3m)6.39%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.48%
EPS NY rev (3m)-1.48%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.22%
Revenue NY rev (3m)-0.18%
Valuation
Industry RankSector Rank
PE 9.51
Fwd PE 10.61
P/S 3.85
P/FCF 2.28
P/OCF 2.19
P/B 1.28
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)0.93
EY10.51%
EPS(NY)0.83
Fwd EY9.42%
FCF(TTM)3.88
FCFY43.82%
OCF(TTM)4.03
OCFY45.59%
SpS2.3
BVpS6.89
TBVpS6.43
PEG (NY)N/A
PEG (5Y)N/A
Graham Number12.0086 (35.77%)
Profitability
Industry RankSector Rank
ROA 1.39%
ROE 13.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 41.93%
GM N/A
FCFM 168.63%
ROA(3y)1.49%
ROA(5y)1.09%
ROE(3y)13.99%
ROE(5y)10.39%
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 3Y23.27%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 1.42
Debt/EBITDA N/A
Cap/Depr 115.12%
Cap/Sales 6.83%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 402.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC5.99%
ROIC/WACCN/A
Cap/Depr(3y)93.95%
Cap/Depr(5y)82.83%
Cap/Sales(3y)5.55%
Cap/Sales(5y)6.47%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.32%
EPS 3Y53.1%
EPS 5YN/A
EPS Q2Q%6.47%
EPS Next Y-10.65%
EPS Next 2Y-0.82%
EPS Next 3Y5.78%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.73%
Revenue growth 3Y16.06%
Revenue growth 5Y13.48%
Sales Q2Q%-12.11%
Revenue Next Year-0.02%
Revenue Next 2Y1.71%
Revenue Next 3Y3.51%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year5.56%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y160.99%
FCF growth 3YN/A
FCF growth 5Y-12.53%
OCF growth 1Y151.18%
OCF growth 3YN/A
OCF growth 5Y-12.11%

AIB GROUP PLC / A5G.DE Fundamental Analysis 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.


What is the profitability of A5G stock?

AIB GROUP PLC (A5G.DE) has a profitability rating of 4 / 10.


What is the financial health of AIB GROUP PLC (A5G.DE) stock?

The financial health rating of AIB GROUP PLC (A5G.DE) is 4 / 10.


Can you provide the dividend sustainability for A5G stock?

The dividend rating of AIB GROUP PLC (A5G.DE) is 0 / 10 and the dividend payout ratio is 58.8%.