AIB GROUP PLC (A5G.I) Stock Fundamental Analysis
Europe - DUB:A5G - IE00BF0L3536 - Common Stock
7.985 EUR
+0.12 (+1.53%)
Overall A5G gets a fundamental rating of 4 out of 10. We evaluated A5G against 97 industry peers in the Banks industry. A5G has an average financial health and profitability rating. A5G is valued correctly, but it does not seem to be growing.
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.
A5G had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: A5G reported negative operating cash flow in multiple years.
1.2 Ratios
With an excellent Return On Assets value of 1.44%, A5G belongs to the best of the industry, outperforming 87.63% of the companies in the same industry.
A5G has a better Return On Equity (14.53%) than 79.38% 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 92.78% of the companies in the same industry.
In the last couple of years the Profit Margin of A5G has grown nicely.
The Operating Margin and Gross Margin are not available for A5G so they could not be analyzed.
| 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.
Compared to 1 year ago, A5G has less shares outstanding
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.
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.
A5G has a better Debt to FCF ratio (1.90) than 94.85% of its industry peers.
A Debt/Equity ratio of 0.82 indicates that 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 78.35% 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
WACC5.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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
A5G shows a decrease in Revenue. In the last year, the revenue decreased by -5.85%.
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 3.64% yearly.
A5G is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.53% yearly.
EPS Next Y-16.28%
EPS Next 2Y-6.96%
EPS Next 3Y-1.25%
EPS Next 5Y3.64%
Revenue Next Year-8.44%
Revenue Next 2Y-4.38%
Revenue Next 3Y-2.01%
Revenue Next 5Y-0.53%
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.
4. Valuation
4.1 Price/Earnings Ratio
A5G is valuated reasonably with a Price/Earnings ratio of 8.87.
75.26% of the companies in the same industry are more expensive than A5G, based on the Price/Earnings ratio.
A5G is valuated cheaply when we compare the Price/Earnings ratio to 26.10, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.92, the valuation of A5G can be described as reasonable.
A5G's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.52. A5G is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.87 | ||
| Fwd PE | 9.92 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, A5G is valued cheaply inside the industry as 90.72% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.64 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.33
EPS Next 2Y-6.96%
EPS Next 3Y-1.25%
5. Dividend
5.1 Amount
A5G does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
DUB:A5G (10/31/2025, 7:00:00 PM)
7.985
+0.12 (+1.53%)
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 Cap17.06B
Revenue(TTM)4.94B
Net Income(TTM)2.08B
Analysts72.94
Price Target8.07 (1.06%)
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)4.52%
PT rev (3m)8.57%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)1.25%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.87 | ||
| Fwd PE | 9.92 | ||
| P/S | 3.45 | ||
| P/FCF | 2.64 | ||
| P/OCF | 2.52 | ||
| P/B | 1.19 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.9
EY11.27%
EPS(NY)0.81
Fwd EY10.08%
FCF(TTM)3.03
FCFY37.94%
OCF(TTM)3.17
OCFY39.69%
SpS2.31
BVpS6.71
TBVpS6.27
PEG (NY)N/A
PEG (5Y)0.33
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
WACC5.8%
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-16.28%
EPS Next 2Y-6.96%
EPS Next 3Y-1.25%
EPS Next 5Y3.64%
Revenue 1Y (TTM)-5.85%
Revenue growth 3Y26.42%
Revenue growth 5Y12.21%
Sales Q2Q%-10%
Revenue Next Year-8.44%
Revenue Next 2Y-4.38%
Revenue Next 3Y-2.01%
Revenue Next 5Y-0.53%
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 8.87 and the Price/Book (PB) ratio is 1.19.
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%.