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AIB GROUP PLC (A5G.I) Stock Fundamental Analysis

Europe - Euronext Dublin - DUB:A5G - IE00BF0L3536 - Common Stock

9.2 EUR
-0.03 (-0.33%)
Last: 12/31/2025, 7:00:00 PM
Fundamental Rating

4

Taking everything into account, A5G scores 4 out of 10 in our fundamental rating. A5G was compared to 102 industry peers in the Banks industry. A5G has an average financial health and profitability rating. A5G has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

A5G had positive earnings in the past year.
In the past year A5G had a positive cash flow from operations.
Of the past 5 years A5G 4 years were profitable.
In multiple years A5G reported negative operating cash flow during the last 5 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

1.2 Ratios

With an excellent Return On Assets value of 1.44%, A5G belongs to the best of the industry, outperforming 87.25% of the companies in the same industry.
The Return On Equity of A5G (14.53%) is better than 78.43% of its industry peers.
Industry RankSector 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
A5G.I Yearly ROA, ROE, ROICA5G.I Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

The Profit Margin of A5G (42.19%) is better than 95.10% of its industry peers.
In the last couple of years the Profit Margin of A5G has grown nicely.
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) 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
A5G.I Yearly Profit, Operating, Gross MarginsA5G.I Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 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.
A5G has a better debt/assets ratio than last year.
A5G.I Yearly Shares OutstandingA5G.I Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B

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.
With an excellent Debt to FCF ratio value of 1.90, A5G belongs to the best of the industry, outperforming 95.10% 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.
With a decent Debt to Equity ratio value of 0.82, A5G is doing good in the industry, outperforming 79.41% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.82
Debt/FCF 1.9
Altman-Z N/A
ROIC/WACCN/A
WACC5.92%
A5G.I Yearly LT Debt VS Equity VS FCFA5G.I Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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4

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 3.81% 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
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%-10%

3.2 Future

The Earnings Per Share is expected to grow by 4.39% on average over the next years.
The Revenue is expected to grow by 0.71% on average over the next years.
EPS Next Y-11.3%
EPS Next 2Y-4.61%
EPS Next 3Y0.29%
EPS Next 5Y4.39%
Revenue Next Year-7.4%
Revenue Next 2Y-3.61%
Revenue Next 3Y-1.32%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
A5G.I Yearly Revenue VS EstimatesA5G.I 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.I Yearly EPS VS EstimatesA5G.I 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. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.22, the valuation of A5G can be described as reasonable.
74.51% of the companies in the same industry are more expensive than A5G, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.51, A5G is valued rather cheaply.
A Price/Forward Earnings ratio of 10.87 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.
A5G is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.22
Fwd PE 10.87
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of A5G indicates a rather cheap valuation: A5G is cheaper than 89.22% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.04
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)0.38
EPS Next 2Y-4.61%
EPS Next 3Y0.29%

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0

5. Dividend

5.1 Amount

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

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AIB GROUP PLC

DUB:A5G (12/31/2025, 7:00:00 PM)

9.2

-0.03 (-0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-04 2025-11-04
Earnings (Next)03-03 2026-03-03
Inst Owners65.76%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap19.66B
Revenue(TTM)4.94B
Net Income(TTM)2.08B
Analysts70.59
Price Target9.28 (0.87%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)9.49%
PT rev (3m)20.21%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)5.24%
EPS NY rev (3m)5.95%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.03%
Revenue NY rev (3m)1.26%
Valuation
Industry RankSector Rank
PE 10.22
Fwd PE 10.87
P/S 3.98
P/FCF 3.04
P/OCF 2.9
P/B 1.37
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)0.9
EY9.78%
EPS(NY)0.85
Fwd EY9.2%
FCF(TTM)3.03
FCFY32.93%
OCF(TTM)3.17
OCFY34.45%
SpS2.31
BVpS6.71
TBVpS6.27
PEG (NY)N/A
PEG (5Y)0.38
Graham Number11.66
Profitability
Industry RankSector 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 RankSector 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
WACC5.92%
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-11.3%
EPS Next 2Y-4.61%
EPS Next 3Y0.29%
EPS Next 5Y4.39%
Revenue 1Y (TTM)-5.85%
Revenue growth 3Y26.42%
Revenue growth 5Y12.21%
Sales Q2Q%-10%
Revenue Next Year-7.4%
Revenue Next 2Y-3.61%
Revenue Next 3Y-1.32%
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.


Can you provide the valuation status for AIB GROUP PLC?

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.


What is the valuation of AIB GROUP PLC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for AIB GROUP PLC (A5G.I) is 10.22 and the Price/Book (PB) ratio is 1.37.


Is the dividend of AIB GROUP PLC sustainable?

The dividend rating of AIB GROUP PLC (A5G.I) is 0 / 10 and the dividend payout ratio is 45.54%.