AIB GROUP PLC (A5G.DE) Stock Fundamental Analysis
Europe - FRA:A5G - IE00BF0L3536 - Common Stock
7.6 EUR
-0.15 (-1.87%)
A5G gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 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 is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year A5G was profitable.
In the past year A5G had a positive cash flow from operations.
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
The Return On Assets of A5G (1.44%) is better than 88.66% of its industry peers.
Looking at the Return On Equity, with a value of 14.53%, A5G belongs to the top of the industry, outperforming 80.41% of the companies in the same industry.
| 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 93.81% of its industry peers.
A5G's Profit Margin has improved in the last couple of years.
A5G does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
A5G has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, A5G has less shares outstanding
A5G has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of A5G is 1.90, which is an excellent value as it means it would take A5G, only 1.90 years of fcf income to pay off all of its debts.
A5G's Debt to FCF ratio of 1.90 is amongst the best of the industry. A5G outperforms 95.88% 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.
Looking at the Debt to Equity ratio, with a value of 0.82, A5G is in the better half of the industry, outperforming 79.38% 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
WACC5.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.81% over the past year.
A5G shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 27.13% yearly.
The Revenue has decreased by -5.85% in the past year.
The Revenue has been growing by 12.21% on average over the past years. This is quite good.
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
A5G is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.64% yearly.
Based on estimates for the next years, A5G will show a decrease in Revenue. The Revenue will decrease by -0.53% on average per year.
EPS Next Y-16.28%
EPS Next 2Y-6.96%
EPS Next 3Y-1.25%
EPS Next 5Y3.64%
Revenue Next Year-8.44%
Revenue Next 2Y-4.38%
Revenue Next 3Y-2.01%
Revenue Next 5Y-0.53%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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 8.44.
80.41% of the companies in the same industry are more expensive than A5G, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of A5G to the average of the S&P500 Index (26.10), we can say A5G is valued rather cheaply.
A Price/Forward Earnings ratio of 9.44 indicates a reasonable valuation of A5G.
Compared to the rest of the industry, the Price/Forward Earnings ratio of A5G indicates a somewhat cheap valuation: A5G is cheaper than 69.07% of the companies listed in the same industry.
A5G is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.52, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.44 | ||
| Fwd PE | 9.44 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of A5G indicates a rather cheap valuation: A5G is cheaper than 91.75% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.51 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.31
EPS Next 2Y-6.96%
EPS Next 3Y-1.25%
5. Dividend
5.1 Amount
A5G does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:A5G (10/23/2025, 7:00:00 PM)
7.6
-0.15 (-1.87%)
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 Cap16.24B
Revenue(TTM)4.94B
Net Income(TTM)2.08B
Analysts72.94
Price Target8.2 (7.89%)
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.44 | ||
| Fwd PE | 9.44 | ||
| P/S | 3.29 | ||
| P/FCF | 2.51 | ||
| P/OCF | 2.4 | ||
| P/B | 1.13 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.9
EY11.84%
EPS(NY)0.81
Fwd EY10.59%
FCF(TTM)3.03
FCFY39.86%
OCF(TTM)3.17
OCFY41.7%
SpS2.31
BVpS6.71
TBVpS6.27
PEG (NY)N/A
PEG (5Y)0.31
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
WACC5.75%
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-16.28%
EPS Next 2Y-6.96%
EPS Next 3Y-1.25%
EPS Next 5Y3.64%
Revenue 1Y (TTM)-5.85%
Revenue growth 3Y26.42%
Revenue growth 5Y12.21%
Sales Q2Q%-14.42%
Revenue Next Year-8.44%
Revenue Next 2Y-4.38%
Revenue Next 3Y-2.01%
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 6 / 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 8.44 and the Price/Book (PB) ratio is 1.13.
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%.