BANK OF IRELAND GROUP PLC (BIRG.I) Fundamental Analysis & Valuation

DUB:BIRG • IE00BD1RP616

Current stock price

16.355 EUR
+0.03 (+0.18%)
Last:

This BIRG.I fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BIRG.I Profitability Analysis

1.1 Basic Checks

  • BIRG had positive earnings in the past year.
  • In the past year BIRG had a positive cash flow from operations.
  • Each year in the past 5 years BIRG has been profitable.
  • BIRG had a positive operating cash flow in 4 of the past 5 years.
BIRG.I Yearly Net Income VS EBIT VS OCF VS FCFBIRG.I 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 2025 0 5B 10B 15B

1.2 Ratios

  • BIRG has a Return On Assets (0.68%) which is in line with its industry peers.
  • Looking at the Return On Equity, with a value of 8.63%, BIRG is doing worse than 61.39% of the companies in the same industry.
Industry RankSector 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
BIRG.I Yearly ROA, ROE, ROICBIRG.I Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • BIRG's Profit Margin of 19.46% is on the low side compared to the rest of the industry. BIRG is outperformed by 64.36% 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 RankSector 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
BIRG.I Yearly Profit, Operating, Gross MarginsBIRG.I Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. BIRG.I Health Analysis

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.
  • Compared to 1 year ago, BIRG has an improved debt to assets ratio.
BIRG.I Yearly Shares OutstandingBIRG.I Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
BIRG.I Yearly Total Debt VS Total AssetsBIRG.I Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

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.
  • Looking at the Debt to FCF ratio, with a value of 2.83, BIRG belongs to the top of the industry, outperforming 96.04% 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 has a better Debt to Equity ratio (0.77) than 80.20% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 2.83
Altman-Z N/A
ROIC/WACCN/A
WACC5.19%
BIRG.I Yearly LT Debt VS Equity VS FCFBIRG.I Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BIRG.I Yearly Current Assets VS Current LiabilitesBIRG.I Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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

4

3. BIRG.I Growth Analysis

3.1 Past

  • The earnings per share for BIRG have decreased by -9.73% in the last year.
  • BIRG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.26% yearly.
  • BIRG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.56%.
  • Measured over the past years, BIRG shows a small growth in Revenue. The Revenue has been growing by 5.31% on average per year.
EPS 1Y (TTM)-9.73%
EPS 3Y20.26%
EPS 5YN/A
EPS Q2Q%2.25%
Revenue 1Y (TTM)-16.56%
Revenue growth 3Y0.4%
Revenue growth 5Y5.31%
Sales Q2Q%0.8%

3.2 Future

  • Based on estimates for the next years, BIRG will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.49% on average per year.
  • BIRG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.32% yearly.
EPS Next Y2.76%
EPS Next 2Y9.96%
EPS Next 3Y11.49%
EPS Next 5YN/A
Revenue Next Year3.87%
Revenue Next 2Y4.72%
Revenue Next 3Y5.32%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
BIRG.I Yearly Revenue VS EstimatesBIRG.I 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.I Yearly EPS VS EstimatesBIRG.I 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. BIRG.I Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.83, the valuation of BIRG can be described as very reasonable.
  • 60.40% of the companies in the same industry are more expensive than BIRG, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.91, BIRG is valued rather cheaply.
  • BIRG is valuated reasonably with a Price/Forward Earnings ratio of 10.52.
  • The rest of the industry has a similar Price/Forward Earnings ratio as BIRG.
  • The average S&P500 Price/Forward Earnings ratio is at 21.99. BIRG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.83
Fwd PE 10.52
BIRG.I Price Earnings VS Forward Price EarningsBIRG.I Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • BIRG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BIRG is cheaper than 81.19% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.41
EV/EBITDA N/A
BIRG.I Per share dataBIRG.I EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.92
PEG (5Y)N/A
EPS Next 2Y9.96%
EPS Next 3Y11.49%

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

4

5. BIRG.I Dividend Analysis

5.1 Amount

  • BIRG has a Yearly Dividend Yield of 2.45%.
  • BIRG's Dividend Yield is slightly below the industry average, which is at 4.48.
  • 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

  • On average, the dividend of BIRG grows each year by 26.66%, which is quite nice.
Dividend Growth(5Y)26.66%
Div Incr Years0
Div Non Decr Years0
BIRG.I Yearly Dividends per shareBIRG.I Yearly Dividends per shareYearly Dividends per share 2019 2020 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

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.
  • BIRG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP46.01%
EPS Next 2Y9.96%
EPS Next 3Y11.49%
BIRG.I Yearly Income VS Free CF VS DividendBIRG.I Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B
BIRG.I Dividend Payout.BIRG.I Dividend Payout, showing the Payout Ratio.BIRG.I Dividend Payout.PayoutRetained Earnings

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BIRG.I Fundamentals: All Metrics, Ratios and Statistics

BANK OF IRELAND GROUP PLC

DUB:BIRG (4/29/2026, 9:42:53 AM)

16.355

+0.03 (+0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength83.78
Industry Growth90.67
Earnings (Last)03-02
Earnings (Next)07-27
Inst Owners61.26%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap15.55B
Revenue(TTM)5.73B
Net Income(TTM)1.11B
Analysts77.14
Price Target18.47 (12.93%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.45%
Yearly Dividend0.52
Dividend Growth(5Y)26.66%
DP46.01%
Div Incr Years0
Div Non Decr Years0
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)4.79%
PT rev (3m)8.01%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.54%
EPS NY rev (3m)-3.26%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.02%
Revenue NY rev (3m)1.5%
Valuation
Industry RankSector Rank
PE 10.83
Fwd PE 10.52
P/S 2.71
P/FCF 4.41
P/OCF 3.89
P/B 1.2
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)1.51
EY9.23%
EPS(NY)1.55
Fwd EY9.51%
FCF(TTM)3.71
FCFY22.66%
OCF(TTM)4.2
OCFY25.68%
SpS6.03
BVpS13.59
TBVpS11.91
PEG (NY)3.92
PEG (5Y)N/A
Graham Number21.4864 (31.38%)
Profitability
Industry RankSector 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 RankSector 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
WACC5.19%
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)-9.73%
EPS 3Y20.26%
EPS 5YN/A
EPS Q2Q%2.25%
EPS Next Y2.76%
EPS Next 2Y9.96%
EPS Next 3Y11.49%
EPS Next 5YN/A
Revenue 1Y (TTM)-16.56%
Revenue growth 3Y0.4%
Revenue growth 5Y5.31%
Sales Q2Q%0.8%
Revenue Next Year3.87%
Revenue Next 2Y4.72%
Revenue Next 3Y5.32%
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.I Fundamental Analysis FAQ

What is the ChartMill fundamental rating of BANK OF IRELAND GROUP PLC (BIRG.I) stock?

ChartMill assigns a fundamental rating of 4 / 10 to BIRG.I.


What is the valuation status for BIRG stock?

ChartMill assigns a valuation rating of 5 / 10 to BANK OF IRELAND GROUP PLC (BIRG.I). This can be considered as Fairly Valued.


Can you provide the profitability details for BANK OF IRELAND GROUP PLC?

BANK OF IRELAND GROUP PLC (BIRG.I) has a profitability rating of 3 / 10.


What is the expected EPS growth for BANK OF IRELAND GROUP PLC (BIRG.I) stock?

The Earnings per Share (EPS) of BANK OF IRELAND GROUP PLC (BIRG.I) is expected to grow by 2.76% in the next year.


Can you provide the dividend sustainability for BIRG stock?

The dividend rating of BANK OF IRELAND GROUP PLC (BIRG.I) is 4 / 10 and the dividend payout ratio is 46.01%.