BANK OF IRELAND GROUP PLC (BIRG.I) Stock Fundamental Analysis
Europe - Euronext Dublin - DUB:BIRG - IE00BD1RP616 - Common Stock
16.735 EUR
-0.05 (-0.27%)
Overall BIRG gets a fundamental rating of 4 out of 10. We evaluated BIRG against 114 industry peers in the Banks industry. BIRG may be in some trouble as it scores bad on both profitability and health. 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.
BIRG had positive earnings in 4 of the past 5 years.
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 0.73%, BIRG is in line with its industry, outperforming 45.61% of the companies in the same industry.
BIRG's Return On Equity of 9.07% is in line compared to the rest of the industry. BIRG outperforms 40.35% of its industry peers.
| 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
With a Profit Margin value of 20.06%, BIRG is not doing good in the industry: 63.16% of the companies in the same industry are doing better.
BIRG's Profit Margin has improved in the last couple of years.
BIRG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
The number of shares outstanding for BIRG has been reduced compared to 1 year ago.
BIRG has less shares outstanding than it did 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.
With an excellent Debt to FCF ratio value of 5.36, BIRG belongs to the best of the industry, outperforming 89.47% 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.
BIRG has a Debt to Equity ratio of 0.79. This is amongst the best in the industry. BIRG outperforms 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 5.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.09%
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%.
BIRG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.37% yearly.
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
BIRG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.99% yearly.
Based on estimates for the next years, BIRG will show a small growth in Revenue. The Revenue will grow by 1.68% on average per year.
EPS Next Y-19.6%
EPS Next 2Y-2.08%
EPS Next 3Y3.56%
EPS Next 5Y5.99%
Revenue Next Year-5.38%
Revenue Next 2Y-1.47%
Revenue Next 3Y0.63%
Revenue Next 5Y1.68%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
With a Price/Earnings ratio of 11.23, the valuation of BIRG can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of BIRG indicates a somewhat cheap valuation: BIRG is cheaper than 60.53% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BIRG to the average of the S&P500 Index (27.19), we can say BIRG is valued rather cheaply.
The Price/Forward Earnings ratio is 10.41, which indicates a very decent valuation of BIRG.
68.42% of the companies in the same industry are more expensive than BIRG, based on the Price/Forward Earnings ratio.
BIRG is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.88, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.23 | ||
| Fwd PE | 10.41 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BIRG indicates a somewhat cheap valuation: BIRG is cheaper than 73.68% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.32 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.43
EPS Next 2Y-2.08%
EPS Next 3Y3.56%
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.
BIRG's Dividend Yield is slightly below the industry average, which is at 3.98.
BIRG's Dividend Yield is a higher than the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.45% |
5.2 History
On average, the dividend of BIRG grows each year by 52.32%, which is quite nice.
Dividend Growth(5Y)52.32%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
BIRG pays out 52.83% 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.
DP52.83%
EPS Next 2Y-2.08%
EPS Next 3Y3.56%
DUB:BIRG (1/9/2026, 7:00:00 PM)
16.735
-0.05 (-0.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.68%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap15.94B
Revenue(TTM)5.91B
Net Income(TTM)1.19B
Analysts80
Price Target17.1 (2.18%)
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)7.12%
PT rev (3m)20.5%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.96%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.23 | ||
| Fwd PE | 10.41 | ||
| P/S | 2.7 | ||
| P/FCF | 8.32 | ||
| P/OCF | 6.48 | ||
| P/B | 1.22 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.49
EY8.9%
EPS(NY)1.61
Fwd EY9.6%
FCF(TTM)2.01
FCFY12.02%
OCF(TTM)2.58
OCFY15.42%
SpS6.2
BVpS13.71
TBVpS12.07
PEG (NY)N/A
PEG (5Y)0.43
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
WACC5.09%
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-19.6%
EPS Next 2Y-2.08%
EPS Next 3Y3.56%
EPS Next 5Y5.99%
Revenue 1Y (TTM)-13.41%
Revenue growth 3Y10.55%
Revenue growth 5Y8.39%
Sales Q2Q%-9.16%
Revenue Next Year-5.38%
Revenue Next 2Y-1.47%
Revenue Next 3Y0.63%
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 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.
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.
Can you provide the PE and PB ratios for BIRG stock?
The Price/Earnings (PE) ratio for BANK OF IRELAND GROUP PLC (BIRG.I) is 11.23 and the Price/Book (PB) ratio is 1.22.
Can you provide the financial health for BIRG stock?
The financial health rating of BANK OF IRELAND GROUP PLC (BIRG.I) is 3 / 10.