Fundamental Analysis of AIB GROUP PLC(DUB:A5G) stock

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to A5G. A5G was compared to 92 industry peers in the Banks industry. A5G has a bad profitability rating. Also its financial health evaluation is rather negative. A5G is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!

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1. Profitability

1.1 Basic Checks

A5G had positive earnings in the past year.

A5G had a negative operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: A5G reported negative net income in multiple years.

In multiple years A5G reported negative operating cash flow during the last 5 years.

1.2 Ratios

With a Return On Assets value of 0.54%, A5G is not doing good in the industry: 63.64% of the companies in the same industry are doing better.

The Return On Equity of A5G (5.72%) is worse than 65.91% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.54%
ROE	5.72%
ROIC	N/A

ROA(3y)0.09%

ROA(5y)0.35%

ROE(3y)1.3%

ROE(5y)2.78%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

A5G has a Profit Margin (22.03%) which is in line with its industry peers.

In the last couple of years the Profit Margin of A5G has declined.

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)	22.03%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y25.85%

PM growth 5Y-8.56%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

A5G has a Debt/Equity ratio of 0.82. This is a neutral value indicating A5G is somewhat dependend on debt financing.

The Debt to Equity ratio of A5G (0.82) is better than 76.14% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.82
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC4.94%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.50% over the past year.

Measured over the past years, A5G shows a decrease in Earnings Per Share. The EPS has been decreasing by -8.18% on average per year.

A5G shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.49%.

The Revenue has been growing slightly by 0.39% on average over the past years.

EPS 1Y (TTM)21.5%

EPS 3Y-2.44%

EPS 5Y-8.18%

EPS growth Q2Q-24%

Revenue 1Y (TTM)23.49%

Revenue growth 3Y2.51%

Revenue growth 5Y0.39%

Revenue growth Q2Q36.6%

3.2 Future

Based on estimates for the next years, A5G will show a very strong growth in Earnings Per Share. The EPS will grow by 29.63% on average per year.

A5G is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.07% yearly.

EPS Next Y193.5%

EPS Next 2Y65.55%

EPS Next 3Y37.22%

EPS Next 5Y29.63%

Revenue Next Year66.97%

Revenue Next 2Y26.81%

Revenue Next 3Y15.06%

Revenue Next 5Y11.07%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A5G is valuated rather expensively with a Price/Earnings ratio of 18.72.

96.59% of the companies in the same industry are cheaper than A5G, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of A5G to the average of the S&P500 Index (25.20), we can say A5G is valued slightly cheaper.

With a Price/Forward Earnings ratio of 6.38, the valuation of A5G can be described as very cheap.

Based on the Price/Forward Earnings ratio, A5G is valued cheaply inside the industry as 85.23% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.63, A5G is valued rather cheaply.

		Industry Rank	Sector Rank
PE	18.72
Fwd PE	6.38

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A5G's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as A5G's earnings are expected to grow with 37.22% in the coming years.

PEG (NY)0.1

PEG (5Y)N/A

EPS Next 2Y65.55%

EPS Next 3Y37.22%

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5. Dividend

5.1 Amount

A5G does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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AIB GROUP PLC

DUB:A5G (4/26/2024, 5:27:56 PM)

4.868

-0.13 (-2.64%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap12.75B

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

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Avg EPS beat(4)

Min EPS beat(4)

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EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

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Min Revenue beat(4)

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Revenue beat(8)

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Revenue beat(12)

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Revenue beat(16)

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PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	18.72
Fwd PE	6.38
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)0.1

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.54%
ROE	5.72%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	22.03%
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.82
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)21.5%

EPS 3Y-2.44%

EPS 5Y

EPS growth Q2Q

EPS Next Y193.5%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)23.49%

Revenue growth 3Y2.51%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

AIB GROUP PLC (A5G.I)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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