BANK OF IRELAND GROUP PLC (BIRG.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:BIRG • IE00BD1RP616
17.035 EUR
+0.21 (+1.28%)
Last: Jan 30, 2026, 07:00 PM
Taking everything into account, BIRG scores 4 out of 10 in our fundamental rating. BIRG was compared to 111 industry peers in the Banks industry. Both the profitability and financial health of BIRG have multiple concerns. BIRG has a correct valuation and a medium growth rate.
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.
- BIRG had positive earnings in 4 of the past 5 years.
- BIRG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- BIRG has a Return On Assets (0.73%) which is comparable to the rest of the industry.
- The Return On Equity of BIRG (9.07%) is comparable to the rest of the 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 worse Profit Margin (20.06%) than 63.16% of 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
- 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.
- Looking at the Debt to FCF ratio, with a value of 5.36, BIRG belongs to the top of the industry, outperforming 87.72% of the companies in the same industry.
- 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 79.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 5.36 | ||
| 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. 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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 11.43, the valuation of BIRG can be described as reasonable.
- The rest of the industry has a similar Price/Earnings ratio as BIRG.
- Compared to an average S&P500 Price/Earnings ratio of 28.32, BIRG is valued rather cheaply.
- A Price/Forward Earnings ratio of 10.60 indicates a reasonable valuation of BIRG.
- Based on the Price/Forward Earnings ratio, BIRG is valued a bit cheaper than 71.05% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. BIRG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.43 | ||
| Fwd PE | 10.6 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BIRG is valued a bit cheaper than 74.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.43
EPS Next 2Y-2.08%
EPS Next 3Y3.56%
5. Dividend
5.1 Amount
- BIRG has a Yearly Dividend Yield of 2.45%.
- Compared to an average industry Dividend Yield of 4.10, BIRG is paying slightly less dividend.
- BIRG's Dividend Yield is a higher than the S&P500 average which is at 1.83.
| 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-2.08%
EPS Next 3Y3.56%
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 11.43 and the Price/Book (PB) ratio is 1.24.
Can you provide the financial health for BIRG stock?
The financial health rating of BANK OF IRELAND GROUP PLC (BIRG.DE) is 3 / 10.