AIB GROUP PLC (A5G.I) Fundamental Analysis & Valuation

DUB:A5G • IE00BF0L3536

Current stock price

9.14 EUR
+0.03 (+0.27%)
Last:

This A5G.I fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. A5G.I Profitability Analysis

1.1 Basic Checks

  • In the past year A5G was profitable.
  • A5G had a positive operating cash flow in the past year.
  • Each year in the past 5 years A5G has been 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

1.2 Ratios

  • A5G has a Return On Assets of 1.39%. This is amongst the best in the industry. A5G outperforms 85.45% of its industry peers.
  • A5G's Return On Equity of 13.98% is fine compared to the rest of the industry. A5G outperforms 75.45% of its industry peers.
Industry RankSector Rank
ROA 1.39%
ROE 13.98%
ROIC N/A
ROA(3y)1.49%
ROA(5y)1.09%
ROE(3y)13.99%
ROE(5y)10.39%
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 2025 0 5 -5 10

1.3 Margins

  • The Profit Margin of A5G (41.93%) is better than 90.91% 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 RankSector Rank
OM N/A
PM (TTM) 41.93%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y23.27%
PM growth 5YN/A
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 2025 0 20 -20 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. A5G.I Health Analysis

2.1 Basic Checks

  • A5G does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, A5G has less shares outstanding
  • A5G has less shares outstanding than it did 5 years ago.
  • A5G has a worse 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 2025 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 2025 50B 100B

2.2 Solvency

  • The Debt to FCF ratio of A5G is 1.42, which is an excellent value as it means it would take A5G, only 1.42 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 1.42, A5G belongs to the best of the industry, outperforming 97.27% of the companies in the same industry.
  • A Debt/Equity ratio of 0.80 indicates that A5G is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.80, A5G is in the better half of the industry, outperforming 74.55% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 1.42
Altman-Z N/A
ROIC/WACCN/A
WACC6.02%
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 2025 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 2025 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. A5G.I Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 0.32% over the past year.
  • Measured over the past years, A5G shows a very strong growth in Earnings Per Share. The EPS has been growing by 53.10% on average per year.
  • Looking at the last year, A5G shows a decrease in Revenue. The Revenue has decreased by -5.73% in the last year.
  • The Revenue has been growing by 13.48% on average over the past years. This is quite good.
EPS 1Y (TTM)0.32%
EPS 3Y53.1%
EPS 5YN/A
EPS Q2Q%6.47%
Revenue 1Y (TTM)-5.73%
Revenue growth 3Y16.06%
Revenue growth 5Y13.48%
Sales Q2Q%-6.9%

3.2 Future

  • Based on estimates for the next years, A5G will show a small growth in Earnings Per Share. The EPS will grow by 5.78% on average per year.
  • Based on estimates for the next years, A5G will show a small growth in Revenue. The Revenue will grow by 3.51% on average per year.
EPS Next Y-10.65%
EPS Next 2Y-0.82%
EPS Next 3Y5.78%
EPS Next 5YN/A
Revenue Next Year-0.02%
Revenue Next 2Y1.71%
Revenue Next 3Y3.51%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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. A5G.I Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.83, the valuation of A5G can be described as reasonable.
  • 64.55% of the companies in the same industry are more expensive than A5G, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 25.50. A5G is valued rather cheaply when compared to this.
  • A5G is valuated reasonably with a Price/Forward Earnings ratio of 10.96.
  • A5G's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.67, A5G is valued rather cheaply.
Industry RankSector Rank
PE 9.83
Fwd PE 10.96
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 85.45% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.36
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)N/A
EPS Next 2Y-0.82%
EPS Next 3Y5.78%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. A5G.I Dividend Analysis

5.1 Amount

  • A5G does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

A5G.I Fundamentals: All Metrics, Ratios and Statistics

AIB GROUP PLC

DUB:A5G (3/24/2026, 7:00:00 PM)

9.14

+0.03 (+0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-04
Earnings (Next)07-30
Inst Owners69.89%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap19.50B
Revenue(TTM)4.90B
Net Income(TTM)2.06B
Analysts67.78
Price Target9.5 (3.94%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.54
Dividend Growth(5Y)100.05%
DP58.8%
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)1.52%
PT rev (3m)2.42%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.48%
EPS NY rev (3m)-1.48%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.18%
Revenue NY rev (3m)-0.18%
Valuation
Industry RankSector Rank
PE 9.83
Fwd PE 10.96
P/S 3.98
P/FCF 2.36
P/OCF 2.27
P/B 1.33
P/tB 1.42
EV/EBITDA N/A
EPS(TTM)0.93
EY10.18%
EPS(NY)0.83
Fwd EY9.12%
FCF(TTM)3.88
FCFY42.4%
OCF(TTM)4.03
OCFY44.12%
SpS2.3
BVpS6.89
TBVpS6.43
PEG (NY)N/A
PEG (5Y)N/A
Graham Number12.01
Profitability
Industry RankSector Rank
ROA 1.39%
ROE 13.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 41.93%
GM N/A
FCFM 168.63%
ROA(3y)1.49%
ROA(5y)1.09%
ROE(3y)13.99%
ROE(5y)10.39%
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 3Y23.27%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 1.42
Debt/EBITDA N/A
Cap/Depr 115.12%
Cap/Sales 6.83%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 402.14%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC6.02%
ROIC/WACCN/A
Cap/Depr(3y)93.95%
Cap/Depr(5y)82.83%
Cap/Sales(3y)5.55%
Cap/Sales(5y)6.47%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.32%
EPS 3Y53.1%
EPS 5YN/A
EPS Q2Q%6.47%
EPS Next Y-10.65%
EPS Next 2Y-0.82%
EPS Next 3Y5.78%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.73%
Revenue growth 3Y16.06%
Revenue growth 5Y13.48%
Sales Q2Q%-6.9%
Revenue Next Year-0.02%
Revenue Next 2Y1.71%
Revenue Next 3Y3.51%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year5.56%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y160.99%
FCF growth 3YN/A
FCF growth 5Y-12.53%
OCF growth 1Y151.18%
OCF growth 3YN/A
OCF growth 5Y-12.11%

AIB GROUP PLC / A5G.I Fundamental Analysis 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 9.83 and the Price/Book (PB) ratio is 1.33.


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 58.8%.