BANK OF IRELAND GROUP PLC (BIRG.DE) Stock Fundamental Analysis

FRA:BIRG • IE00BD1RP616

15.76 EUR
-0.31 (-1.96%)
Last: Feb 16, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall BIRG gets a fundamental rating of 3 out of 10. We evaluated BIRG against 110 industry peers in the Banks industry. BIRG may be in some trouble as it scores bad on both profitability and health. BIRG is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year BIRG was profitable.
  • In the past year BIRG had a positive cash flow from operations.
  • Of the past 5 years BIRG 4 years were profitable.
  • BIRG had a positive operating cash flow in 4 of the past 5 years.
BIRG.DE Yearly Net Income VS EBIT VS OCF VS FCFBIRG.DE 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 0 5B 10B 15B

1.2 Ratios

  • With a Return On Assets value of 0.73%, BIRG perfoms like the industry average, outperforming 44.55% of the companies in the same industry.
  • BIRG has a worse Return On Equity (9.07%) than 60.00% of its industry peers.
Industry RankSector 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
BIRG.DE Yearly ROA, ROE, ROICBIRG.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

  • BIRG's Profit Margin of 20.06% is on the low side compared to the rest of the industry. BIRG is outperformed by 67.27% of its industry peers.
  • BIRG's Profit Margin has improved in the last couple of years.
  • BIRG 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) 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
BIRG.DE Yearly Profit, Operating, Gross MarginsBIRG.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • BIRG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • BIRG has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, BIRG has less shares outstanding
  • The debt/assets ratio for BIRG is higher compared to a year ago.
BIRG.DE Yearly Shares OutstandingBIRG.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
BIRG.DE Yearly Total Debt VS Total AssetsBIRG.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

2.2 Solvency

  • The Debt to FCF ratio of BIRG is 5.36, which is a neutral value as it means it would take BIRG, 5.36 years of fcf income to pay off all of its debts.
  • BIRG has a Debt to FCF ratio of 5.36. This is amongst the best in the industry. BIRG outperforms 88.18% of its industry peers.
  • A Debt/Equity ratio of 0.79 indicates that BIRG is somewhat dependend on debt financing.
  • BIRG has a better Debt to Equity ratio (0.79) than 76.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.79
Debt/FCF 5.36
Altman-Z N/A
ROIC/WACCN/A
WACC5.07%
BIRG.DE Yearly LT Debt VS Equity VS FCFBIRG.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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
BIRG.DE Yearly Current Assets VS Current LiabilitesBIRG.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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

4

3. Growth

3.1 Past

  • BIRG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.17%.
  • Measured over the past years, BIRG shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.37% on average per year.
  • The Revenue for BIRG has decreased by -13.41% in the past year. This is quite bad
  • 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.
  • BIRG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.68% yearly.
EPS Next Y-16.14%
EPS Next 2Y-2.08%
EPS Next 3Y3.56%
EPS Next 5Y5.99%
Revenue Next Year-5.38%
Revenue Next 2Y-1.47%
Revenue Next 3Y0.63%
Revenue Next 5Y1.68%

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.
BIRG.DE Yearly Revenue VS EstimatesBIRG.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
BIRG.DE Yearly EPS VS EstimatesBIRG.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 -0.5 1 1.5 2

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5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.58 indicates a reasonable valuation of BIRG.
  • 63.64% of the companies in the same industry are more expensive than BIRG, based on the Price/Earnings ratio.
  • BIRG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.19.
  • A Price/Forward Earnings ratio of 9.81 indicates a reasonable valuation of BIRG.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BIRG indicates a somewhat cheap valuation: BIRG is cheaper than 79.09% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. BIRG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.58
Fwd PE 9.81
BIRG.DE Price Earnings VS Forward Price EarningsBIRG.DE 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, BIRG is valued a bit cheaper than the industry average as 75.45% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.84
EV/EBITDA N/A
BIRG.DE Per share dataBIRG.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.4
EPS Next 2Y-2.08%
EPS Next 3Y3.56%

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

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.45%, BIRG has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.33, BIRG is paying slightly less dividend.
  • BIRG's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector 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
BIRG.DE Yearly Dividends per shareBIRG.DE Yearly Dividends per shareYearly Dividends per share 2020 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • BIRG pays out 52.83% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • BIRG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP52.83%
EPS Next 2Y-2.08%
EPS Next 3Y3.56%
BIRG.DE Yearly Income VS Free CF VS DividendBIRG.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B
BIRG.DE Dividend Payout.BIRG.DE Dividend Payout, showing the Payout Ratio.BIRG.DE Dividend Payout.PayoutRetained Earnings

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BANK OF IRELAND GROUP PLC

FRA:BIRG (2/16/2026, 7:00:00 PM)

15.76

-0.31 (-1.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A
Earnings (Next)03-02
Inst Owners63.68%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap15.01B
Revenue(TTM)5.91B
Net Income(TTM)1.19B
Analysts77.14
Price Target16.79 (6.54%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)-1.89%
PT rev (3m)13.23%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.3%
EPS NY rev (3m)1.99%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.31%
Valuation
Industry RankSector Rank
PE 10.58
Fwd PE 9.81
P/S 2.54
P/FCF 7.84
P/OCF 6.11
P/B 1.15
P/tB 1.31
EV/EBITDA N/A
EPS(TTM)1.49
EY9.45%
EPS(NY)1.61
Fwd EY10.2%
FCF(TTM)2.01
FCFY12.76%
OCF(TTM)2.58
OCFY16.38%
SpS6.2
BVpS13.71
TBVpS12.07
PEG (NY)N/A
PEG (5Y)0.4
Graham Number21.44
Profitability
Industry RankSector 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 RankSector 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
WACC5.07%
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-16.14%
EPS Next 2Y-2.08%
EPS Next 3Y3.56%
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-1.47%
Revenue Next 3Y0.63%
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 3 / 10 to BIRG.DE.


What is the valuation status for BIRG stock?

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 2 / 10.


Can you provide the PE and PB ratios for BIRG stock?

The Price/Earnings (PE) ratio for BANK OF IRELAND GROUP PLC (BIRG.DE) is 10.58 and the Price/Book (PB) ratio is 1.15.


Can you provide the financial health for BIRG stock?

The financial health rating of BANK OF IRELAND GROUP PLC (BIRG.DE) is 3 / 10.