AIB GROUP PLC (A5G.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:A5G - IE00BF0L3536 - Common Stock
8.28 EUR
-0.44 (-5.05%)
A5G gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 108 industry peers in the Banks industry. A5G has only an average score on both its financial health and profitability. A5G has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year A5G was profitable.
A5G had a positive operating cash flow in the past year.
Of the past 5 years A5G 4 years were profitable.
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
A5G's Return On Assets of 1.44% is amongst the best of the industry. A5G outperforms 87.04% of its industry peers.
A5G has a Return On Equity of 14.53%. This is in the better half of the industry: A5G outperforms 78.70% 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's Profit Margin of 42.19% is amongst the best of the industry. A5G outperforms 95.37% of its industry peers.
A5G's Profit Margin has improved in the last couple of years.
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.
The number of shares outstanding for A5G has been reduced compared to 5 years ago.
The debt/assets ratio for A5G has been reduced compared to a year ago.
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.
Looking at the Debt to FCF ratio, with a value of 1.90, A5G belongs to the top of the industry, outperforming 97.22% of the companies in the same industry.
A Debt/Equity ratio of 0.82 indicates that A5G is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.82, A5G belongs to the top of the industry, outperforming 82.41% 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
WACC5.79%
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%.
Measured over the past years, A5G shows a very strong growth in Earnings Per Share. The EPS has been growing by 27.13% on average per year.
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 3.64% on average per year.
A5G is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.53% yearly.
EPS Next Y-15.72%
EPS Next 2Y-6.5%
EPS Next 3Y-0.69%
EPS Next 5Y3.64%
Revenue Next Year-8.34%
Revenue Next 2Y-4.25%
Revenue Next 3Y-1.91%
Revenue Next 5Y-0.53%
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.
4. Valuation
4.1 Price/Earnings Ratio
A5G is valuated reasonably with a Price/Earnings ratio of 9.20.
73.15% of the companies in the same industry are more expensive than A5G, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.47. A5G is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.18, which indicates a very decent valuation of A5G.
A5G's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of A5G to the average of the S&P500 Index (34.42), we can say A5G is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.2 | ||
| Fwd PE | 10.18 |
4.2 Price Multiples
A5G's Price/Free Cash Flow ratio is rather cheap when compared to the industry. A5G is cheaper than 89.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.34
EPS Next 2Y-6.5%
EPS Next 3Y-0.69%
5. Dividend
5.1 Amount
No dividends for A5G!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:A5G (11/18/2025, 7:00:00 PM)
8.28
-0.44 (-5.05%)
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 Cap17.69B
Revenue(TTM)4.94B
Net Income(TTM)2.08B
Analysts72.94
Price Target8.43 (1.81%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)2.73%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.67%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.2 | ||
| Fwd PE | 10.18 | ||
| P/S | 3.58 | ||
| P/FCF | 2.73 | ||
| P/OCF | 2.61 | ||
| P/B | 1.23 | ||
| P/tB | 1.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.9
EY10.87%
EPS(NY)0.81
Fwd EY9.82%
FCF(TTM)3.03
FCFY36.59%
OCF(TTM)3.17
OCFY38.28%
SpS2.31
BVpS6.71
TBVpS6.27
PEG (NY)N/A
PEG (5Y)0.34
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
WACC5.79%
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-15.72%
EPS Next 2Y-6.5%
EPS Next 3Y-0.69%
EPS Next 5Y3.64%
Revenue 1Y (TTM)-5.85%
Revenue growth 3Y26.42%
Revenue growth 5Y12.21%
Sales Q2Q%-14.42%
Revenue Next Year-8.34%
Revenue Next 2Y-4.25%
Revenue Next 3Y-1.91%
Revenue Next 5Y-0.53%
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.
What is the valuation status of AIB GROUP PLC (A5G.DE) stock?
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.
Can you provide the PE and PB ratios for A5G stock?
The Price/Earnings (PE) ratio for AIB GROUP PLC (A5G.DE) is 9.2 and the Price/Book (PB) ratio is 1.23.
How sustainable is the dividend of AIB GROUP PLC (A5G.DE) stock?
The dividend rating of AIB GROUP PLC (A5G.DE) is 0 / 10 and the dividend payout ratio is 45.54%.