BANK OF IRELAND GROUP PLC (BIRG.I) Stock Fundamental Analysis
Europe - DUB:BIRG - IE00BD1RP616 - Common Stock
13.115 EUR
-0.66 (-4.79%)
BIRG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 94 industry peers in the Banks industry. BIRG has a bad profitability rating. Also its financial health evaluation is rather negative. BIRG has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
BIRG had positive earnings in the past year.
In the past year BIRG had a positive cash flow from operations.
Of the past 5 years BIRG 4 years were profitable.
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 52.13% of its industry peers.
With a Return On Equity value of 9.07%, BIRG perfoms like the industry average, outperforming 50.00% 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 in line compared to the rest of the industry. BIRG outperforms 43.62% of its industry peers.
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 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.
The number of shares outstanding for BIRG has been reduced compared to 5 years ago.
The debt/assets ratio for BIRG is higher compared to a year ago.
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 87.23% of the companies in the same industry.
BIRG has a Debt/Equity ratio of 0.79. This is a neutral value indicating BIRG is somewhat dependend on debt financing.
The Debt to Equity ratio of BIRG (0.79) is better than 80.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 5.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.83%
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.
Looking at the last year, BIRG shows a very negative growth in Revenue. The Revenue has decreased by -13.41% in the last year.
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
Based on estimates for the next years, BIRG will show a small growth in Earnings Per Share. The EPS will grow by 2.14% on average per year.
Based on estimates for the next years, BIRG will show a small growth in Revenue. The Revenue will grow by 0.86% on average per year.
EPS Next Y-18.81%
EPS Next 2Y-4.63%
EPS Next 3Y2.14%
EPS Next 5YN/A
Revenue Next Year-5.76%
Revenue Next 2Y-2.07%
Revenue Next 3Y0.15%
Revenue Next 5Y0.86%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BIRG is valuated reasonably with a Price/Earnings ratio of 8.80.
BIRG's Price/Earnings ratio is a bit cheaper when compared to the industry. BIRG is cheaper than 68.09% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.29. BIRG is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.60, which indicates a very decent valuation of BIRG.
74.47% of the companies in the same industry are more expensive than BIRG, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.85, BIRG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.8 | ||
| Fwd PE | 8.6 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BIRG is valued a bit cheaper than the industry average as 75.53% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.54 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.33
EPS Next 2Y-4.63%
EPS Next 3Y2.14%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.45%, BIRG has a reasonable but not impressive dividend return.
With a Dividend Yield of 2.45, BIRG pays less dividend than the industry average, which is at 4.83. 81.91% 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 2.38.
| 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-4.63%
EPS Next 3Y2.14%
DUB:BIRG (10/17/2025, 11:21:16 AM)
13.115
-0.66 (-4.79%)
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 Cap12.53B
Analysts77
Price Target14.24 (8.58%)
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)0.66%
PT rev (3m)6.64%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-3.56%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.8 | ||
| Fwd PE | 8.6 | ||
| P/S | 2.12 | ||
| P/FCF | 6.54 | ||
| P/OCF | 5.1 | ||
| P/B | 0.96 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.49
EY11.36%
EPS(NY)1.52
Fwd EY11.62%
FCF(TTM)2
FCFY15.29%
OCF(TTM)2.57
OCFY19.62%
SpS6.18
BVpS13.67
TBVpS12.03
PEG (NY)N/A
PEG (5Y)0.33
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
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 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
WACC4.83%
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-18.81%
EPS Next 2Y-4.63%
EPS Next 3Y2.14%
EPS Next 5YN/A
Revenue 1Y (TTM)-13.41%
Revenue growth 3Y10.55%
Revenue growth 5Y8.39%
Sales Q2Q%-9.16%
Revenue Next Year-5.76%
Revenue Next 2Y-2.07%
Revenue Next 3Y0.15%
Revenue Next 5Y0.86%
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%