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

DUB:BIRG - Euronext Dublin - IE00BD1RP616 - Common Stock - Currency: EUR

10.84  +0.1 (+0.93%)

Fundamental Rating

3

Taking everything into account, BIRG scores 3 out of 10 in our fundamental rating. BIRG was compared to 95 industry peers in the Banks industry. BIRG has a bad profitability rating. Also its financial health evaluation is rather negative. BIRG has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BIRG was profitable.
BIRG had a positive operating cash flow in the past year.
BIRG had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: BIRG reported negative operating cash flow in multiple 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

1.2 Ratios

The Return On Assets of BIRG (0.97%) is better than 68.42% of its industry peers.
Looking at the Return On Equity, with a value of 12.20%, BIRG is in the better half of the industry, outperforming 61.05% of the companies in the same industry.
Industry RankSector 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
BIRG.I Yearly ROA, ROE, ROICBIRG.I Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

BIRG has a Profit Margin (22.55%) which is comparable to the rest of the 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 RankSector 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
BIRG.I Yearly Profit, Operating, Gross MarginsBIRG.I Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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3

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.
BIRG.I Yearly Shares OutstandingBIRG.I Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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.
With a decent Debt to Equity ratio value of 0.96, BIRG is doing good in the industry, outperforming 78.95% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.96
Debt/FCF 12.02
Altman-Z N/A
ROIC/WACCN/A
WACC4.61%
BIRG.I Yearly LT Debt VS Equity VS FCFBIRG.I Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 12.03% over the past year.
Measured over the past years, BIRG shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.37% on average per year.
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

Based on estimates for the next years, BIRG will show a small growth in Earnings Per Share. The EPS will grow by 0.90% on average per year.
BIRG is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.34% yearly.
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.
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.
BIRG.I Yearly Revenue VS EstimatesBIRG.I Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B
BIRG.I Yearly EPS VS EstimatesBIRG.I Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 -0.5 1 1.5

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.45, the valuation of BIRG can be described as very cheap.
Based on the Price/Earnings ratio, BIRG is valued cheaply inside the industry as 83.16% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 23.99. BIRG is valued rather cheaply when compared to this.
BIRG is valuated cheaply with a Price/Forward Earnings ratio of 7.68.
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 (20.35), we can say BIRG is valued rather cheaply.
Industry RankSector Rank
PE 6.45
Fwd PE 7.68
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

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BIRG is valued a bit cheaper than the industry average as 77.89% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.56
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

PEG (NY)N/A
PEG (5Y)0.24
EPS Next 2Y-4.56%
EPS Next 3Y0.9%

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3

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.
Compared to an average industry Dividend Yield of 5.30, BIRG's dividend is way lower than its industry peers. On top of this 90.53% of the companies listed in the same industry pay a better dividend than BIRG!
Compared to an average S&P500 Dividend Yield of 2.44, BIRG has a dividend comparable with the average S&P500 company.
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
BIRG.I Yearly Dividends per shareBIRG.I Yearly Dividends per shareYearly Dividends per share 2019 2020 2022 2023 2024 2025 0.2 0.4 0.6 0.8

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.
BIRG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP40.38%
EPS Next 2Y-4.56%
EPS Next 3Y0.9%
BIRG.I Yearly Income VS Free CF VS DividendBIRG.I Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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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BANK OF IRELAND GROUP PLC

DUB:BIRG (5/8/2025, 4:46:02 PM)

10.84

+0.1 (+0.93%)

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 Cap10.62B
Analysts73.68
Price Target13.06 (20.48%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)1.4%
PT rev (3m)10.49%
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 RankSector Rank
PE 6.45
Fwd PE 7.68
P/S 1.56
P/FCF 10.56
P/OCF 7.27
P/B 0.84
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)1.68
EY15.5%
EPS(NY)1.41
Fwd EY13.02%
FCF(TTM)1.03
FCFY9.47%
OCF(TTM)1.49
OCFY13.75%
SpS6.96
BVpS12.86
TBVpS11.34
PEG (NY)N/A
PEG (5Y)0.24
Profitability
Industry RankSector 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 RankSector 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
WACC4.61%
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