BANK OF IRELAND GROUP PLC(FRA:BIRG) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BIRG. BIRG was compared to 95 industry peers in the Banks industry. BIRG may be in some trouble as it scores bad on both profitability and health. BIRG has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

BIRG had positive earnings in the past year.

BIRG had a positive operating cash flow in the past year.

Of the past 5 years BIRG 4 years were profitable.

In multiple years BIRG reported negative operating cash flow during the last 5 years.

1.2 Ratios

BIRG has a better Return On Assets (0.97%) than 68.42% of its industry peers.

BIRG's Return On Equity of 12.20% is fine compared to the rest of the industry. BIRG outperforms 61.05% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.97%
ROE	12.2%
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

Looking at the Profit Margin, with a value of 22.55%, BIRG is in line with its industry, outperforming 56.84% 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)	22.55%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y11.35%

PM growth 5Y26.58%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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

BIRG has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of BIRG is 12.02, which is on the high side as it means it would take BIRG, 12.02 years of fcf income to pay off all of its debts.

With an excellent Debt to FCF ratio value of 12.02, BIRG belongs to the best of the industry, outperforming 85.26% of the companies in the same industry.

BIRG has a Debt/Equity ratio of 0.96. This is a neutral value indicating BIRG is somewhat dependend on debt financing.

The Debt to Equity ratio of BIRG (0.96) is better than 78.95% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.96
Debt/FCF	12.02
Altman-Z	N/A

ROIC/WACCN/A

WACC4.63%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BIRG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.03%, which is quite good.

BIRG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.37% yearly.

The Revenue has been growing slightly by 6.32% in the past year.

The Revenue has been growing slightly by 3.03% on average over the past years.

EPS 1Y (TTM)12.03%

EPS 3Y21.69%

EPS 5Y26.37%

EPS Q2Q%16.12%

Revenue 1Y (TTM)6.32%

Revenue growth 3Y2.48%

Revenue growth 5Y3.03%

Sales Q2Q%-5.75%

3.2 Future

BIRG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.90% yearly.

Based on estimates for the next years, BIRG will show a decrease in Revenue. The Revenue will decrease by -0.34% on average per year.

EPS Next Y-15.81%

EPS Next 2Y-4.56%

EPS Next 3Y0.9%

EPS Next 5YN/A

Revenue Next Year-6.03%

Revenue Next 2Y-2.48%

Revenue Next 3Y-0.34%

Revenue Next 5YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

BIRG is valuated cheaply with a Price/Earnings ratio of 6.49.

Based on the Price/Earnings ratio, BIRG is valued cheaper than 84.21% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 24.12. BIRG is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 7.72, which indicates a rather cheap valuation of BIRG.

BIRG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BIRG is cheaper than 80.00% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of BIRG to the average of the S&P500 Index (20.42), we can say BIRG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.49
Fwd PE	7.72

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BIRG is valued a bit cheaper than 77.89% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	10.61
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.25

EPS Next 2Y-4.56%

EPS Next 3Y0.9%

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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 5.30. 90.53% 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 2.44.

		Industry Rank	Sector Rank
Dividend Yield	2.45%

5.2 History

On average, the dividend of BIRG grows each year by 49.04%, which is quite nice.

Dividend Growth(5Y)49.04%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

BIRG pays out 40.38% 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.

DP40.38%

EPS Next 2Y-4.56%

EPS Next 3Y0.9%

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BANK OF IRELAND GROUP PLC

FRA:BIRG (5/8/2025, 7:00:00 PM)

10.895

+0.14 (+1.35%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-24 2025-02-24/bmo

Earnings (Next)07-31 2025-07-31

Inst Owners60.6%

Inst Owner ChangeN/A

Ins Owners0.04%

Ins Owner ChangeN/A

Market Cap10.68B

Analysts73.68

Price Target13.03 (19.6%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.45%

Yearly Dividend0.21

Dividend Growth(5Y)49.04%

DP40.38%

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)-0.24%

PT rev (3m)9.82%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)-2.1%

EPS NY rev (3m)-0.4%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-0.17%

Revenue NY rev (3m)-0.53%

Valuation

		Industry Rank	Sector Rank
PE	6.49
Fwd PE	7.72
P/S	1.57
P/FCF	10.61
P/OCF	7.31
P/B	0.85
P/tB	0.96
EV/EBITDA	N/A

EPS(TTM)1.68

EY15.42%

EPS(NY)1.41

Fwd EY12.95%

FCF(TTM)1.03

FCFY9.42%

OCF(TTM)1.49

OCFY13.68%

SpS6.96

BVpS12.86

TBVpS11.34

PEG (NY)N/A

PEG (5Y)0.25

Profitability

		Industry Rank	Sector Rank
ROA	0.97%
ROE	12.2%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.55%
GM	N/A
FCFM	14.75%

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 3Y11.35%

PM growth 5Y26.58%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.96
Debt/FCF	12.02
Debt/EBITDA	N/A
Cap/Depr	151.16%
Cap/Sales	6.67%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	65.41%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC4.63%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)12.03%

EPS 3Y21.69%

EPS 5Y26.37%

EPS Q2Q%16.12%

EPS Next Y-15.81%

EPS Next 2Y-4.56%

EPS Next 3Y0.9%

EPS Next 5YN/A

Revenue 1Y (TTM)6.32%

Revenue growth 3Y2.48%

Revenue growth 5Y3.03%

Sales Q2Q%-5.75%

Revenue Next Year-6.03%

Revenue Next 2Y-2.48%

Revenue Next 3Y-0.34%

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 1Y115.76%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y124.53%

OCF growth 3YN/A

OCF growth 5YN/A

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens