BANK OF IRELAND GROUP PLC (BIRG.DE) Stock Fundamental Analysis
Europe - FRA:BIRG - IE00BD1RP616 - Common Stock
13.42 EUR
-0.01 (-0.04%)
Overall BIRG gets a fundamental rating of 4 out of 10. We evaluated BIRG against 89 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.
BIRG had positive earnings in 4 of the past 5 years.
Of the past 5 years BIRG 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.73%, BIRG is in line with its industry, outperforming 53.93% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.07%, BIRG is in line with its industry, outperforming 50.56% of the companies in the same industry.
| 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 Profit Margin (20.06%) which is in line with its industry peers.
BIRG's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for BIRG so they could not be analyzed.
| 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.
BIRG has less shares outstanding than it did 1 year ago.
BIRG has less shares outstanding than it did 5 years ago.
BIRG has a worse debt/assets ratio than last year.
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 89.89% 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.
BIRG has a Debt to Equity ratio of 0.79. This is in the better half of the industry: BIRG outperforms 79.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 5.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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%.
The Earnings Per Share has been growing by 26.37% on average over the past years. This is a very strong growth
Looking at the last year, BIRG shows a very negative growth in Revenue. The Revenue has decreased by -13.41% in the last year.
BIRG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.39% yearly.
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
Based on estimates for the next years, BIRG will show a small growth in Earnings Per Share. The EPS will grow by 1.78% on average per year.
The Revenue is expected to grow by 0.97% on average over the next years.
EPS Next Y-18.81%
EPS Next 2Y-5.25%
EPS Next 3Y1.78%
EPS Next 5YN/A
Revenue Next Year-5.81%
Revenue Next 2Y-2.19%
Revenue Next 3Y0.07%
Revenue Next 5Y0.97%
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
Based on the Price/Earnings ratio of 9.01, the valuation of BIRG can be described as reasonable.
BIRG's Price/Earnings ratio is a bit cheaper when compared to the industry. BIRG is cheaper than 68.54% of the companies in the same industry.
BIRG is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.92, the valuation of BIRG can be described as reasonable.
BIRG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BIRG is cheaper than 78.65% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BIRG to the average of the S&P500 Index (22.73), we can say BIRG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.01 | ||
| Fwd PE | 8.92 |
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 78.65% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.72 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.34
EPS Next 2Y-5.25%
EPS Next 3Y1.78%
5. Dividend
5.1 Amount
BIRG has a Yearly Dividend Yield of 2.45%.
With a Dividend Yield of 2.45, BIRG pays less dividend than the industry average, which is at 5.09. 87.64% of the companies listed in the same industry pay a better dividend than BIRG!
BIRG's Dividend Yield is comparable with the S&P500 average which is at 2.45.
| 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
BIRG pays out 52.83% of its income as dividend. 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-5.25%
EPS Next 3Y1.78%
FRA:BIRG (9/11/2025, 7:00:00 PM)
13.42
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners59.35%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap12.87B
Analysts77
Price Target14.41 (7.38%)
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)3.64%
PT rev (3m)8.63%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-3.56%
EPS NY rev (3m)-3.56%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.34%
Revenue NY rev (3m)0.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.01 | ||
| Fwd PE | 8.92 | ||
| P/S | 2.18 | ||
| P/FCF | 6.72 | ||
| P/OCF | 5.23 | ||
| P/B | 0.99 | ||
| P/tB | 1.12 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.49
EY11.1%
EPS(NY)1.5
Fwd EY11.21%
FCF(TTM)2
FCFY14.89%
OCF(TTM)2.56
OCFY19.1%
SpS6.16
BVpS13.62
TBVpS11.98
PEG (NY)N/A
PEG (5Y)0.34
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
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 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
WACC4.75%
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-18.81%
EPS Next 2Y-5.25%
EPS Next 3Y1.78%
EPS Next 5YN/A
Revenue 1Y (TTM)-13.41%
Revenue growth 3Y10.55%
Revenue growth 5Y8.39%
Sales Q2Q%-9.16%
Revenue Next Year-5.81%
Revenue Next 2Y-2.19%
Revenue Next 3Y0.07%
Revenue Next 5Y0.97%
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%