BANK OF IRELAND GROUP PLC (BIRG.I)

IE00BD1RP616 - Common Stock

10.275  +0.01 (+0.05%)

Fundamental Rating

3

Overall BIRG gets a fundamental rating of 3 out of 10. We evaluated BIRG against 92 industry peers in the Banks industry. Both the profitability and financial health of BIRG have multiple concerns. BIRG is not valued too expensively and it also shows a decent growth rate.



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3

1. Profitability

1.1 Basic Checks

In the past year BIRG was profitable.
In the past year BIRG has reported a negative cash flow from operations.
Of the past 5 years BIRG 4 years were profitable.
BIRG had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.95%, BIRG is in the better half of the industry, outperforming 68.18% of the companies in the same industry.
BIRG has a better Return On Equity (11.83%) than 63.64% of its industry peers.
Industry RankSector Rank
ROA 0.95%
ROE 11.83%
ROIC N/A
ROA(3y)0.7%
ROA(5y)0.36%
ROE(3y)9.12%
ROE(5y)4.64%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 23.01%, BIRG is in line with its industry, outperforming 56.82% of the companies in the same industry.
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) 23.01%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y8.38%
GM growth 3YN/A
GM growth 5YN/A

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2

2. Health

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
The debt/assets ratio for BIRG is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 0.85 indicates that BIRG is somewhat dependend on debt financing.
BIRG has a better Debt to Equity ratio (0.85) than 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.23%

2.3 Liquidity

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

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4

3. Growth

3.1 Past

BIRG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 71.95%, which is quite impressive.
The Earnings Per Share has been growing by 20.99% on average over the past years. This is a very strong growth
The Revenue has decreased by -8.82% in the past year.
Measured over the past years, BIRG shows a quite strong growth in Revenue. The Revenue has been growing by 9.89% on average per year.
EPS 1Y (TTM)71.95%
EPS 3YN/A
EPS 5Y20.99%
EPS growth Q2Q21%
Revenue 1Y (TTM)-8.82%
Revenue growth 3Y12.14%
Revenue growth 5Y9.89%
Revenue growth Q2Q-38.48%

3.2 Future

BIRG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.43% yearly.
BIRG is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.71% yearly.
EPS Next Y3.68%
EPS Next 2Y0.82%
EPS Next 3Y1.43%
EPS Next 5YN/A
Revenue Next Year-3.04%
Revenue Next 2Y-2.49%
Revenue Next 3Y-1.71%
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.
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.

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5

4. Valuation

4.1 Price/Earnings Ratio

BIRG is valuated cheaply with a Price/Earnings ratio of 6.85.
BIRG's Price/Earnings ratio is a bit cheaper when compared to the industry. BIRG is cheaper than 72.73% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.25, BIRG is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.62, the valuation of BIRG can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BIRG indicates a rather cheap valuation: BIRG is cheaper than 85.23% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of BIRG to the average of the S&P500 Index (21.67), we can say BIRG is valued rather cheaply.
Industry RankSector Rank
PE 6.85
Fwd PE 6.62

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BIRG does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.86
PEG (5Y)0.33
EPS Next 2Y0.82%
EPS Next 3Y1.43%

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4

5. Dividend

5.1 Amount

BIRG has a Yearly Dividend Yield of 2.45%.
Compared to an average industry Dividend Yield of 5.95, BIRG's dividend is way lower than its industry peers. On top of this 90.91% 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 RankSector 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 15.14% of its income as dividend. This is a sustainable payout ratio.
BIRG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP15.14%
EPS Next 2Y0.82%
EPS Next 3Y1.43%

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BANK OF IRELAND GROUP PLC

DUB:BIRG (4/24/2024, 7:00:00 PM)

10.275

+0.01 (+0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap10.71B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 2.45%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 6.85
Fwd PE 6.62
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.86
PEG (5Y)0.33
Profitability
Industry RankSector Rank
ROA 0.95%
ROE 11.83%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 23.01%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)71.95%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y3.68%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-8.82%
Revenue growth 3Y12.14%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y