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AIB GROUP PLC (A5G.I) Stock Fundamental Analysis

Europe - DUB:A5G - IE00BF0L3536 - Common Stock

7.825 EUR
0 (-0.06%)
Last: 10/7/2025, 12:25:10 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to A5G. A5G was compared to 95 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.


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 2015 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 88.42% of the companies in the same industry.
The Return On Equity of A5G (14.53%) is better than 82.11% 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

A5G has a better Profit Margin (42.19%) than 94.74% of its industry peers.
A5G's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for A5G so they could not be analyzed.
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 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.
Compared to 1 year ago, A5G has less shares outstanding
A5G has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, A5G has an improved debt to assets ratio.
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 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.
The Debt to FCF ratio of A5G (1.90) is better than 98.95% of its industry peers.
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 80.00% 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
WACC5.78%
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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3

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 3.81% over the past year.
A5G shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 27.13% yearly.
Looking at the last year, A5G shows a decrease in Revenue. The Revenue has decreased by -5.85% in the last year.
A5G shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.21% yearly.
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

Based on estimates for the next years, A5G will show a small growth in Earnings Per Share. The EPS will grow by 3.64% on average per year.
The Revenue is expected to decrease by -0.53% on average over the next years.
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.
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 2028 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 2028 0 0.2 -0.2 0.4 0.6 0.8 1

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.69, the valuation of A5G can be described as reasonable.
Based on the Price/Earnings ratio, A5G is valued a bit cheaper than 77.89% of the companies in the same industry.
A5G is valuated cheaply when we compare the Price/Earnings ratio to 27.90, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.72, which indicates a very decent valuation of A5G.
A5G's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. A5G is cheaper than 64.21% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.36, A5G is valued rather cheaply.
Industry RankSector Rank
PE 8.69
Fwd PE 9.72
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 95.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.58
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)0.32
EPS Next 2Y-6.96%
EPS Next 3Y-1.25%

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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 (10/7/2025, 12:25:10 PM)

7.825

0 (-0.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-01 2025-08-01/bmo
Earnings (Next)11-04 2025-11-04
Inst Owners65.76%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap16.72B
Analysts72.94
Price Target7.74 (-1.09%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)1.33%
PT rev (3m)6.75%
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)0.11%
Revenue NY rev (3m)-0.09%
Valuation
Industry RankSector Rank
PE 8.69
Fwd PE 9.72
P/S 3.39
P/FCF 2.58
P/OCF 2.47
P/B 1.17
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)0.9
EY11.5%
EPS(NY)0.81
Fwd EY10.29%
FCF(TTM)3.03
FCFY38.71%
OCF(TTM)3.17
OCFY40.5%
SpS2.31
BVpS6.71
TBVpS6.27
PEG (NY)N/A
PEG (5Y)0.32
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
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-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
WACC5.78%
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%