BANK OF IRELAND GROUP PLC (BIRG.I) Stock Fundamental Analysis
Europe - Euronext Dublin - DUB:BIRG - IE00BD1RP616 - Common Stock
15.635 EUR
-0.01 (-0.03%)
We assign a fundamental rating of 3 out of 10 to BIRG. BIRG was compared to 108 industry peers in the Banks industry. BIRG has a bad profitability rating. Also its financial health evaluation is rather negative. BIRG is not valued too expensively and it also shows a decent growth rate.
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.
Of the past 5 years BIRG 4 years had a positive operating cash flow.
1.2 Ratios
BIRG's Return On Assets of 0.73% is in line compared to the rest of the industry. BIRG outperforms 47.22% of its industry peers.
With a Return On Equity value of 9.07%, BIRG perfoms like the industry average, outperforming 40.74% of the companies in the same 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's Profit Margin of 20.06% is on the low side compared to the rest of the industry. BIRG is outperformed by 61.11% 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.
Compared to 1 year ago, BIRG has a worse debt to assets ratio.
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.
BIRG's Debt to FCF ratio of 5.36 is amongst the best of the industry. BIRG outperforms 89.81% of its industry peers.
BIRG has a Debt/Equity ratio of 0.79. This is a neutral value indicating BIRG is somewhat dependend on debt financing.
BIRG has a better Debt to Equity ratio (0.79) than 84.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 5.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.97%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BIRG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.17%.
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 for BIRG has decreased by -13.41% in the past year. This is quite bad
BIRG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.39% yearly.
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-17.78%
EPS Next 2Y-3.51%
EPS Next 3Y2.85%
EPS Next 5Y5.99%
Revenue Next Year-5.67%
Revenue Next 2Y-1.94%
Revenue Next 3Y0.27%
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 10.49, 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 25.98, BIRG is valued rather cheaply.
The Price/Forward Earnings ratio is 10.02, which indicates a very decent valuation of BIRG.
BIRG's Price/Forward Earnings ratio is in line with the industry average.
BIRG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 10.02 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BIRG is valued a bit cheaper than the industry average as 72.22% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.4
EPS Next 2Y-3.51%
EPS Next 3Y2.85%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.45%, BIRG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.85, BIRG's dividend is way lower than its industry peers. On top of this 80.56% of the companies listed in the same industry pay a better dividend than BIRG!
Compared to an average S&P500 Dividend Yield of 2.41, BIRG has a dividend comparable with the average S&P500 company.
| 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
52.83% of the earnings are spent on dividend by BIRG. 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.
DP52.83%
EPS Next 2Y-3.51%
EPS Next 3Y2.85%
DUB:BIRG (11/25/2025, 7:00:00 PM)
15.635
-0.01 (-0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.19%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap14.89B
Revenue(TTM)5.91B
Net Income(TTM)1.19B
Analysts78
Price Target15.96 (2.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.45% |
Yearly Dividend0.95
Dividend Growth(5Y)52.32%
DP52.83%
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)12.08%
PT rev (3m)14.76%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.27%
EPS NY rev (3m)-2.34%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 10.02 | ||
| P/S | 2.52 | ||
| P/FCF | 7.77 | ||
| P/OCF | 6.06 | ||
| P/B | 1.14 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.49
EY9.53%
EPS(NY)1.56
Fwd EY9.98%
FCF(TTM)2.01
FCFY12.86%
OCF(TTM)2.58
OCFY16.51%
SpS6.2
BVpS13.71
TBVpS12.07
PEG (NY)N/A
PEG (5Y)0.4
Graham Number21.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 9.07% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.06% | ||
| GM | N/A | ||
| FCFM | 32.44% |
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
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 3Y3.22%
PM growth 5Y20.32%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 5.36 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 176.3% | ||
| Cap/Sales | 9.19% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 161.69% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC4.97%
ROIC/WACCN/A
Cap/Depr(3y)157.92%
Cap/Depr(5y)140.81%
Cap/Sales(3y)6.91%
Cap/Sales(5y)6.73%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.17%
EPS 3Y21.69%
EPS 5Y26.37%
EPS Q2Q%-21.85%
EPS Next Y-17.78%
EPS Next 2Y-3.51%
EPS Next 3Y2.85%
EPS Next 5Y5.99%
Revenue 1Y (TTM)-13.41%
Revenue growth 3Y10.55%
Revenue growth 5Y8.39%
Sales Q2Q%-9.16%
Revenue Next Year-5.67%
Revenue Next 2Y-1.94%
Revenue Next 3Y0.27%
Revenue Next 5Y1.68%
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 1Y130.02%
FCF growth 3Y-52.23%
FCF growth 5Y-6.7%
OCF growth 1Y141.29%
OCF growth 3Y-48.88%
OCF growth 5Y-4.38%
BANK OF IRELAND GROUP PLC / BIRG.I FAQ
What is the ChartMill fundamental rating of BANK OF IRELAND GROUP PLC (BIRG.I) stock?
ChartMill assigns a fundamental rating of 3 / 10 to BIRG.I.
Can you provide the valuation status for BANK OF IRELAND GROUP PLC?
ChartMill assigns a valuation rating of 4 / 10 to BANK OF IRELAND GROUP PLC (BIRG.I). This can be considered as Fairly Valued.
How profitable is BANK OF IRELAND GROUP PLC (BIRG.I) stock?
BANK OF IRELAND GROUP PLC (BIRG.I) has a profitability rating of 3 / 10.
What is the financial health of BANK OF IRELAND GROUP PLC (BIRG.I) stock?
The financial health rating of BANK OF IRELAND GROUP PLC (BIRG.I) is 3 / 10.
How sustainable is the dividend of BANK OF IRELAND GROUP PLC (BIRG.I) stock?
The dividend rating of BANK OF IRELAND GROUP PLC (BIRG.I) is 3 / 10 and the dividend payout ratio is 52.83%.