AIB GROUP PLC (A5G.I) Stock Fundamental Analysis
Europe - Euronext Dublin - DUB:A5G - IE00BF0L3536 - Common Stock
8.815 EUR
-0.03 (-0.34%)
We assign a fundamental rating of 4 out of 10 to A5G. A5G was compared to 108 industry peers in the Banks industry. A5G has an average financial health and profitability rating. A5G is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
A5G had positive earnings in the past year.
A5G had a positive operating cash flow in the past year.
Of the past 5 years A5G 4 years were profitable.
In multiple years A5G reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.44%, A5G belongs to the top of the industry, outperforming 86.11% of the companies in the same industry.
A5G's Return On Equity of 14.53% is fine compared to the rest of the industry. A5G outperforms 77.78% 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
Looking at the Profit Margin, with a value of 42.19%, A5G belongs to the top of the industry, outperforming 94.44% of the companies in the same industry.
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
Compared to 1 year ago, A5G has an improved debt to assets ratio.
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 96.30% of the companies in the same industry.
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 79.63% 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
WACC5.86%
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%.
The Earnings Per Share has been growing by 27.13% on average over the past years. This is a very strong growth
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%-10%
3.2 Future
A5G is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.39% yearly.
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-15.72%
EPS Next 2Y-6.5%
EPS Next 3Y-0.69%
EPS Next 5Y4.39%
Revenue Next Year-8.34%
Revenue Next 2Y-4.25%
Revenue Next 3Y-1.91%
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.
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
Based on the Price/Earnings ratio of 9.79, the valuation of A5G can be described as reasonable.
Based on the Price/Earnings ratio, A5G is valued a bit cheaper than 68.52% of the companies in the same industry.
A5G is valuated cheaply when we compare the Price/Earnings ratio to 26.37, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 10.84 indicates a reasonable valuation of A5G.
Compared to the rest of the industry, the Price/Forward Earnings ratio of A5G is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of A5G to the average of the S&P500 Index (36.20), we can say A5G is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.79 | ||
| Fwd PE | 10.84 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, A5G is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.91 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.36
EPS Next 2Y-6.5%
EPS Next 3Y-0.69%
5. Dividend
5.1 Amount
A5G does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
DUB:A5G (12/4/2025, 1:56:38 PM)
8.815
-0.03 (-0.34%)
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 Cap18.84B
Revenue(TTM)4.94B
Net Income(TTM)2.08B
Analysts72.94
Price Target8.47 (-3.91%)
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 Years3
Div Non Decr Years3
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)9.43%
PT rev (3m)10.89%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.67%
EPS NY rev (3m)0.67%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.79 | ||
| Fwd PE | 10.84 | ||
| P/S | 3.81 | ||
| P/FCF | 2.91 | ||
| P/OCF | 2.78 | ||
| P/B | 1.31 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.9
EY10.21%
EPS(NY)0.81
Fwd EY9.22%
FCF(TTM)3.03
FCFY34.37%
OCF(TTM)3.17
OCFY35.95%
SpS2.31
BVpS6.71
TBVpS6.27
PEG (NY)N/A
PEG (5Y)0.36
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
WACC5.86%
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 5Y4.39%
Revenue 1Y (TTM)-5.85%
Revenue growth 3Y26.42%
Revenue growth 5Y12.21%
Sales Q2Q%-10%
Revenue Next Year-8.34%
Revenue Next 2Y-4.25%
Revenue Next 3Y-1.91%
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.I FAQ
What is the fundamental rating for A5G stock?
ChartMill assigns a fundamental rating of 4 / 10 to A5G.I.
What is the valuation status of AIB GROUP PLC (A5G.I) stock?
ChartMill assigns a valuation rating of 5 / 10 to AIB GROUP PLC (A5G.I). This can be considered as Fairly Valued.
Can you provide the profitability details for AIB GROUP PLC?
AIB GROUP PLC (A5G.I) 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.I) is 9.79 and the Price/Book (PB) ratio is 1.31.
How sustainable is the dividend of AIB GROUP PLC (A5G.I) stock?
The dividend rating of AIB GROUP PLC (A5G.I) is 0 / 10 and the dividend payout ratio is 45.54%.