BANK OF IRELAND GROUP PLC (BIRG.DE) Fundamental Analysis & Valuation
FRA:BIRG • IE00BD1RP616
16.07 EUR
+0.86 (+5.65%)
Last: Mar 10, 2026, 07:00 PM
This BIRG.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Taking everything into account, BIRG scores 4 out of 10 in our fundamental rating. BIRG was compared to 116 industry peers in the Banks industry. While BIRG seems to be doing ok healthwise, there are quite some concerns on its profitability. BIRG has a valuation in line with the averages, but it does not seem to be growing.
1. BIRG.DE Profitability Analysis
1.1 Basic Checks
- BIRG had positive earnings in the past year.
- BIRG had a positive operating cash flow in the past year.
- BIRG had positive earnings in each of the past 5 years.
- BIRG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- BIRG's Return On Assets of 0.68% is in line compared to the rest of the industry. BIRG outperforms 42.24% of its industry peers.
- BIRG has a worse Return On Equity (8.63%) than 63.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 8.63% | ||
| ROIC | N/A |
ROA(3y)0.84%
ROA(5y)0.74%
ROE(3y)10.55%
ROE(5y)9.43%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 19.46%, BIRG is doing worse than 68.10% of the companies in the same industry.
- In the last couple of years the Profit Margin of BIRG has grown nicely.
- 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) | 19.46% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.15%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. BIRG.DE Health Analysis
2.1 Basic Checks
- BIRG does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, BIRG has less shares outstanding
- Compared to 5 years ago, BIRG has less shares outstanding
- BIRG has a better debt/assets ratio than last year.
2.2 Solvency
- BIRG has a debt to FCF ratio of 2.83. This is a good value and a sign of high solvency as BIRG would need 2.83 years to pay back of all of its debts.
- With an excellent Debt to FCF ratio value of 2.83, BIRG belongs to the best of the industry, outperforming 94.83% of the companies in the same industry.
- BIRG has a Debt/Equity ratio of 0.77. This is a neutral value indicating BIRG is somewhat dependend on debt financing.
- BIRG's Debt to Equity ratio of 0.77 is fine compared to the rest of the industry. BIRG outperforms 75.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.77 | ||
| Debt/FCF | 2.83 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.18%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. BIRG.DE Growth Analysis
3.1 Past
- BIRG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.15%.
- BIRG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.30% yearly.
- The Revenue for BIRG has decreased by -16.56% in the past year. This is quite bad
- The Revenue has been growing slightly by 5.31% on average over the past years.
EPS 1Y (TTM)-19.15%
EPS 3Y16.3%
EPS 5YN/A
EPS Q2Q%-6.79%
Revenue 1Y (TTM)-16.56%
Revenue growth 3Y0.4%
Revenue growth 5Y5.31%
Sales Q2Q%56.38%
3.2 Future
- BIRG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.98% yearly.
- The Revenue is expected to grow by 4.19% on average over the next years.
EPS Next Y14.17%
EPS Next 2Y14.79%
EPS Next 3Y14.98%
EPS Next 5YN/A
Revenue Next Year2.82%
Revenue Next 2Y3.89%
Revenue Next 3Y4.19%
Revenue Next 5YN/A
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 stable.
- 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.
4. BIRG.DE Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 13.97, the valuation of BIRG can be described as correct.
- BIRG's Price/Earnings ratio is rather expensive when compared to the industry. BIRG is more expensive than 86.21% of the companies in the same industry.
- When comparing the Price/Earnings ratio of BIRG to the average of the S&P500 Index (26.25), we can say BIRG is valued slightly cheaper.
- BIRG is valuated reasonably with a Price/Forward Earnings ratio of 10.07.
- BIRG's Price/Forward Earnings ratio is in line with the industry average.
- BIRG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.97 | ||
| Fwd PE | 10.07 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BIRG is valued cheaper than 80.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.35 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- BIRG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- BIRG's earnings are expected to grow with 14.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.99
PEG (5Y)N/A
EPS Next 2Y14.79%
EPS Next 3Y14.98%
5. BIRG.DE Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 2.45%, BIRG has a reasonable but not impressive dividend return.
- With a Dividend Yield of 2.45, BIRG pays less dividend than the industry average, which is at 4.56. 82.76% of the companies listed in the same industry pay a better dividend than BIRG!
- BIRG's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.45% |
5.2 History
- The dividend of BIRG is nicely growing with an annual growth rate of 26.66%!
Dividend Growth(5Y)26.66%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
- BIRG pays out 46.01% 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.
DP46.01%
EPS Next 2Y14.79%
EPS Next 3Y14.98%
BIRG.DE Fundamentals: All Metrics, Ratios and Statistics
FRA:BIRG (3/10/2026, 7:00:00 PM)
16.07
+0.86 (+5.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-02 2026-03-02
Earnings (Next)07-27 2026-07-27
Inst Owners62.7%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap15.31B
Revenue(TTM)5.73B
Net Income(TTM)1.11B
Analysts77.14
Price Target17.65 (9.83%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.45% |
Yearly Dividend0.52
Dividend Growth(5Y)26.66%
DP46.01%
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)5.11%
PT rev (3m)3.82%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.74%
EPS NY rev (3m)-0.01%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.47%
Revenue NY rev (3m)0.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.97 | ||
| Fwd PE | 10.07 | ||
| P/S | 2.67 | ||
| P/FCF | 4.35 | ||
| P/OCF | 3.83 | ||
| P/B | 1.19 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.15
EY7.16%
EPS(NY)1.6
Fwd EY9.93%
FCF(TTM)3.7
FCFY23.01%
OCF(TTM)4.19
OCFY26.08%
SpS6.01
BVpS13.56
TBVpS11.89
PEG (NY)0.99
PEG (5Y)N/A
Graham Number18.73
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 8.63% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.46% | ||
| GM | N/A | ||
| FCFM | 61.48% |
ROA(3y)0.84%
ROA(5y)0.74%
ROE(3y)10.55%
ROE(5y)9.43%
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 3Y12.15%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.77 | ||
| Debt/FCF | 2.83 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 144.62% | ||
| Cap/Sales | 8.2% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 315.96% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC5.18%
ROIC/WACCN/A
Cap/Depr(3y)154.37%
Cap/Depr(5y)149.59%
Cap/Sales(3y)7.49%
Cap/Sales(5y)7.1%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-19.15%
EPS 3Y16.3%
EPS 5YN/A
EPS Q2Q%-6.79%
EPS Next Y14.17%
EPS Next 2Y14.79%
EPS Next 3Y14.98%
EPS Next 5YN/A
Revenue 1Y (TTM)-16.56%
Revenue growth 3Y0.4%
Revenue growth 5Y5.31%
Sales Q2Q%56.38%
Revenue Next Year2.82%
Revenue Next 2Y3.89%
Revenue Next 3Y4.19%
Revenue Next 5YN/A
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 1Y66.26%
FCF growth 3Y40.84%
FCF growth 5Y-1.87%
OCF growth 1Y51.31%
OCF growth 3Y34.83%
OCF growth 5Y-0.79%
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.
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 3 / 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 13.97 and the Price/Book (PB) ratio is 1.19.
Can you provide the financial health for BIRG stock?
The financial health rating of BANK OF IRELAND GROUP PLC (BIRG.DE) is 4 / 10.