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AIB GROUP PLC (A5G.I) Stock Fundamental Analysis

DUB:A5G - Euronext Dublin - IE00BF0L3536 - Common Stock - Currency: EUR

7.07  +0.25 (+3.74%)

Fundamental Rating

4

Taking everything into account, A5G scores 4 out of 10 in our fundamental rating. A5G was compared to 94 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.


Dividend Valuation Growth Profitability Health

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4

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.
A5G.I Yearly Net Income VS EBIT VS OCF VS FCFA5G.I Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

1.2 Ratios

Looking at the Return On Assets, with a value of 1.61%, A5G belongs to the top of the industry, outperforming 92.55% of the companies in the same industry.
Looking at the Return On Equity, with a value of 14.73%, A5G is in the better half of the industry, outperforming 78.72% of the companies in the same industry.
Industry RankSector Rank
ROA 1.61%
ROE 14.73%
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
A5G.I Yearly ROA, ROE, ROICA5G.I Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

Looking at the Profit Margin, with a value of 43.72%, A5G belongs to the top of the industry, outperforming 94.68% 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 RankSector Rank
OM N/A
PM (TTM) 43.72%
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
A5G.I Yearly Profit, Operating, Gross MarginsA5G.I Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40

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4

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.
A5G has less shares outstanding than it did 5 years ago.
The debt/assets ratio for A5G has been reduced compared to a year ago.
A5G.I Yearly Shares OutstandingA5G.I Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B
A5G.I Yearly Total Debt VS Total AssetsA5G.I Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B

2.2 Solvency

A5G has a debt to FCF ratio of 3.44. This is a good value and a sign of high solvency as A5G would need 3.44 years to pay back of all of its debts.
The Debt to FCF ratio of A5G (3.44) is better than 95.74% of its industry peers.
A5G has a Debt/Equity ratio of 0.67. This is a neutral value indicating A5G is somewhat dependend on debt financing.
The Debt to Equity ratio of A5G (0.67) is better than 85.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 3.44
Altman-Z N/A
ROIC/WACCN/A
WACC5.73%
A5G.I Yearly LT Debt VS Equity VS FCFA5G.I Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
A5G.I Yearly Current Assets VS Current LiabilitesA5G.I Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 22.85% over the past year.
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 small growth in Revenue. The Revenue has grown by 5.18% 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)22.85%
EPS 3Y63.19%
EPS 5Y27.13%
EPS Q2Q%14.09%
Revenue 1Y (TTM)5.18%
Revenue growth 3Y26.42%
Revenue growth 5Y12.21%
Sales Q2Q%-3.05%

3.2 Future

Based on estimates for the next years, A5G will show a decrease in Earnings Per Share. The EPS will decrease by -1.80% on average per year.
A5G is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.26% yearly.
EPS Next Y-17.31%
EPS Next 2Y-7.79%
EPS Next 3Y-1.8%
EPS Next 5YN/A
Revenue Next Year-8.36%
Revenue Next 2Y-4.7%
Revenue Next 3Y-2.26%
Revenue Next 5YN/A

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.
A5G.I Yearly Revenue VS EstimatesA5G.I Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
A5G.I Yearly EPS VS EstimatesA5G.I Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.2 -0.2 0.4 0.6 0.8

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.60, which indicates a rather cheap valuation of A5G.
Based on the Price/Earnings ratio, A5G is valued cheaply inside the industry as 80.85% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of A5G to the average of the S&P500 Index (26.31), we can say A5G is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.19, the valuation of A5G can be described as very reasonable.
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 22.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.6
Fwd PE 9.19
A5G.I Price Earnings VS Forward Price EarningsA5G.I Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, A5G is valued cheaper than 85.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.77
EV/EBITDA N/A
A5G.I Per share dataA5G.I 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)0.28
EPS Next 2Y-7.79%
EPS Next 3Y-1.8%

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0

5. Dividend

5.1 Amount

No dividends for A5G!.
Industry RankSector Rank
Dividend Yield N/A

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AIB GROUP PLC

DUB:A5G (6/5/2025, 7:00:00 PM)

7.07

+0.25 (+3.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-01 2025-05-01
Earnings (Next)08-01 2025-08-01
Inst Owners52.69%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap15.11B
Analysts70.67
Price Target6.89 (-2.55%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.31
Dividend Growth(5Y)13.05%
DP34.12%
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)-0.79%
PT rev (3m)7.07%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)6.46%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.18%
Revenue NY rev (3m)1.2%
Valuation
Industry RankSector Rank
PE 7.6
Fwd PE 9.19
P/S 2.9
P/FCF 4.77
P/OCF 4.41
P/B 0.98
P/tB 1.04
EV/EBITDA N/A
EPS(TTM)0.93
EY13.15%
EPS(NY)0.77
Fwd EY10.88%
FCF(TTM)1.48
FCFY20.97%
OCF(TTM)1.6
OCFY22.67%
SpS2.43
BVpS7.22
TBVpS6.79
PEG (NY)N/A
PEG (5Y)0.28
Profitability
Industry RankSector Rank
ROA 1.61%
ROE 14.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 43.72%
GM N/A
FCFM 60.91%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 3.44
Debt/EBITDA N/A
Cap/Depr 85.38%
Cap/Sales 4.94%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 139.31%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC5.73%
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)22.85%
EPS 3Y63.19%
EPS 5Y27.13%
EPS Q2Q%14.09%
EPS Next Y-17.31%
EPS Next 2Y-7.79%
EPS Next 3Y-1.8%
EPS Next 5YN/A
Revenue 1Y (TTM)5.18%
Revenue growth 3Y26.42%
Revenue growth 5Y12.21%
Sales Q2Q%-3.05%
Revenue Next Year-8.36%
Revenue Next 2Y-4.7%
Revenue Next 3Y-2.26%
Revenue Next 5YN/A
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 1Y393.88%
FCF growth 3Y-38.63%
FCF growth 5Y-3.18%
OCF growth 1Y508.71%
OCF growth 3Y-37.37%
OCF growth 5Y-3.3%