BANK OF IRELAND GROUP PLC (BIRG.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:BIRG - IE00BD1RP616 - Common Stock
15.99 EUR
+0.18 (+1.14%)
Taking everything into account, BIRG scores 4 out of 10 in our fundamental rating. BIRG was compared to 106 industry peers in the Banks industry. BIRG has a bad profitability rating. Also its financial health evaluation is rather negative. BIRG has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year BIRG was profitable.
BIRG had a positive operating cash flow in the past year.
Of the past 5 years BIRG 4 years were profitable.
Of the past 5 years BIRG 4 years had a positive operating cash flow.
1.2 Ratios
BIRG has a Return On Assets (0.73%) which is in line with its industry peers.
BIRG's Return On Equity of 9.07% is in line compared to the rest of the industry. BIRG outperforms 42.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 9.07% | ||
| ROIC | N/A |
ROA(3y)0.79%
ROA(5y)0.48%
ROE(3y)9.95%
ROE(5y)6.08%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BIRG has a worse Profit Margin (20.06%) than 61.32% of its industry peers.
In the last couple of years the Profit Margin of BIRG has grown nicely.
BIRG 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) | 20.06% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.22%
PM growth 5Y20.32%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BIRG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BIRG has been reduced compared to 1 year ago.
The number of shares outstanding for BIRG has been reduced compared to 5 years ago.
Compared to 1 year ago, BIRG has a worse debt to assets ratio.
2.2 Solvency
BIRG has a debt to FCF ratio of 5.36. This is a neutral value as BIRG would need 5.36 years to pay back of all of its debts.
BIRG's Debt to FCF ratio of 5.36 is amongst the best of the industry. BIRG outperforms 87.74% of its industry peers.
BIRG has a Debt/Equity ratio of 0.79. This is a neutral value indicating BIRG is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.79, BIRG belongs to the top of the industry, outperforming 81.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 5.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.01%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BIRG have decreased by -4.17% in the last year.
BIRG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.37% yearly.
BIRG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.41%.
Measured over the past years, BIRG shows a quite strong growth in Revenue. The Revenue has been growing by 8.39% on average per year.
EPS 1Y (TTM)-4.17%
EPS 3Y21.69%
EPS 5Y26.37%
EPS Q2Q%-21.85%
Revenue 1Y (TTM)-13.41%
Revenue growth 3Y10.55%
Revenue growth 5Y8.39%
Sales Q2Q%-9.16%
3.2 Future
The Earnings Per Share is expected to grow by 5.99% on average over the next years.
The Revenue is expected to grow by 1.68% on average over the next years.
EPS Next Y-19.6%
EPS Next 2Y-2.44%
EPS Next 3Y3.45%
EPS Next 5Y5.99%
Revenue Next Year-5.38%
Revenue Next 2Y-1.51%
Revenue Next 3Y0.59%
Revenue Next 5Y1.68%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.73 indicates a reasonable valuation of BIRG.
The rest of the industry has a similar Price/Earnings ratio as BIRG.
The average S&P500 Price/Earnings ratio is at 26.55. BIRG is valued rather cheaply when compared to this.
BIRG is valuated reasonably with a Price/Forward Earnings ratio of 10.02.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BIRG indicates a somewhat cheap valuation: BIRG is cheaper than 68.87% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.78, BIRG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.73 | ||
| Fwd PE | 10.02 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BIRG indicates a somewhat cheap valuation: BIRG is cheaper than 71.70% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.41
EPS Next 2Y-2.44%
EPS Next 3Y3.45%
5. Dividend
5.1 Amount
BIRG has a Yearly Dividend Yield of 2.45%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.45, BIRG pays less dividend than the industry average, which is at 4.33. 81.13% of the companies listed in the same industry pay a better dividend than BIRG!
Compared to an average S&P500 Dividend Yield of 1.87, BIRG pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.45% |
5.2 History
The dividend of BIRG is nicely growing with an annual growth rate of 52.32%!
Dividend Growth(5Y)52.32%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
52.83% of the earnings are spent on dividend by BIRG. This is a bit on the high side, but may be sustainable.
The dividend of BIRG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP52.83%
EPS Next 2Y-2.44%
EPS Next 3Y3.45%
FRA:BIRG (12/15/2025, 7:00:00 PM)
15.99
+0.18 (+1.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.19%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap15.23B
Revenue(TTM)5.91B
Net Income(TTM)1.19B
Analysts80
Price Target17 (6.32%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.45% |
Yearly Dividend0.95
Dividend Growth(5Y)52.32%
DP52.83%
Div Incr Years2
Div Non Decr Years2
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)15.12%
PT rev (3m)19.04%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.21%
EPS NY rev (3m)-0.96%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.31%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.73 | ||
| Fwd PE | 10.02 | ||
| P/S | 2.58 | ||
| P/FCF | 7.95 | ||
| P/OCF | 6.19 | ||
| P/B | 1.17 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.49
EY9.32%
EPS(NY)1.6
Fwd EY9.98%
FCF(TTM)2.01
FCFY12.58%
OCF(TTM)2.58
OCFY16.14%
SpS6.2
BVpS13.71
TBVpS12.07
PEG (NY)N/A
PEG (5Y)0.41
Graham Number21.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 9.07% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.06% | ||
| GM | N/A | ||
| FCFM | 32.44% |
ROA(3y)0.79%
ROA(5y)0.48%
ROE(3y)9.95%
ROE(5y)6.08%
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 3Y3.22%
PM growth 5Y20.32%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 5.36 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 176.3% | ||
| Cap/Sales | 9.19% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 161.69% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC5.01%
ROIC/WACCN/A
Cap/Depr(3y)157.92%
Cap/Depr(5y)140.81%
Cap/Sales(3y)6.91%
Cap/Sales(5y)6.73%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.17%
EPS 3Y21.69%
EPS 5Y26.37%
EPS Q2Q%-21.85%
EPS Next Y-19.6%
EPS Next 2Y-2.44%
EPS Next 3Y3.45%
EPS Next 5Y5.99%
Revenue 1Y (TTM)-13.41%
Revenue growth 3Y10.55%
Revenue growth 5Y8.39%
Sales Q2Q%-9.16%
Revenue Next Year-5.38%
Revenue Next 2Y-1.51%
Revenue Next 3Y0.59%
Revenue Next 5Y1.68%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y130.02%
FCF growth 3Y-52.23%
FCF growth 5Y-6.7%
OCF growth 1Y141.29%
OCF growth 3Y-48.88%
OCF growth 5Y-4.38%
BANK OF IRELAND GROUP PLC / BIRG.DE FAQ
What is the ChartMill fundamental rating of BANK OF IRELAND GROUP PLC (BIRG.DE) stock?
ChartMill assigns a fundamental rating of 4 / 10 to BIRG.DE.
Can you provide the valuation status for BANK OF IRELAND GROUP PLC?
ChartMill assigns a valuation rating of 5 / 10 to BANK OF IRELAND GROUP PLC (BIRG.DE). This can be considered as Fairly Valued.
How profitable is BANK OF IRELAND GROUP PLC (BIRG.DE) stock?
BANK OF IRELAND GROUP PLC (BIRG.DE) has a profitability rating of 3 / 10.
What is the financial health of BANK OF IRELAND GROUP PLC (BIRG.DE) stock?
The financial health rating of BANK OF IRELAND GROUP PLC (BIRG.DE) is 3 / 10.
How sustainable is the dividend of BANK OF IRELAND GROUP PLC (BIRG.DE) stock?
The dividend rating of BANK OF IRELAND GROUP PLC (BIRG.DE) is 4 / 10 and the dividend payout ratio is 52.83%.