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

DUB:BIRG • IE00BD1RP616

16.465 EUR
-0.18 (-1.05%)
Last: Feb 25, 2026, 05:31 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall BIRG gets a fundamental rating of 3 out of 10. We evaluated BIRG against 108 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.


Dividend Valuation Growth Profitability Health

2

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.
  • BIRG had a positive operating cash flow in 4 of the past 5 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

1.2 Ratios

  • With a Return On Assets value of 0.73%, BIRG perfoms like the industry average, outperforming 43.52% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 9.07%, BIRG is doing worse than 60.19% of the companies in the same industry.
Industry RankSector 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
BIRG.I Yearly ROA, ROE, ROICBIRG.I Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

  • BIRG has a worse Profit Margin (20.06%) than 66.67% 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 RankSector 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
BIRG.I Yearly Profit, Operating, Gross MarginsBIRG.I Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • BIRG has a worse debt/assets ratio than last year.
BIRG.I Yearly Shares OutstandingBIRG.I Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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 88.89% of the companies in the same industry.
  • A Debt/Equity ratio of 0.79 indicates that BIRG is somewhat dependend on debt financing.
  • The Debt to Equity ratio of BIRG (0.79) is better than 75.93% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.79
Debt/FCF 5.36
Altman-Z N/A
ROIC/WACCN/A
WACC5.17%
BIRG.I Yearly LT Debt VS Equity VS FCFBIRG.I Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The earnings per share for BIRG have decreased by -4.17% in the last 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.
  • Looking at the last year, BIRG shows a very negative growth in Revenue. The Revenue has decreased by -13.41% in the last year.
  • Measured over the past years, BIRG shows a quite strong growth in Revenue. The Revenue has been growing by 8.39% on average per year.
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.
  • The Revenue is expected to grow by 1.68% on average over the next years.
EPS Next Y-16.14%
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

  • 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.
BIRG.I Yearly Revenue VS EstimatesBIRG.I Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
BIRG.I Yearly EPS VS EstimatesBIRG.I Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 -0.5 1 1.5 2

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5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.05, the valuation of BIRG can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of BIRG is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 26.98, BIRG is valued rather cheaply.
  • BIRG is valuated reasonably with a Price/Forward Earnings ratio of 10.24.
  • BIRG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BIRG is cheaper than 65.74% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of BIRG to the average of the S&P500 Index (28.01), we can say BIRG is valued rather cheaply.
Industry RankSector Rank
PE 11.05
Fwd PE 10.24
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 25

4.2 Price Multiples

  • BIRG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BIRG is cheaper than 74.07% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.19
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)0.42
EPS Next 2Y-2.08%
EPS Next 3Y3.56%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

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 4.37. 82.41% of the companies listed in the same industry pay a better dividend than BIRG!
  • BIRG's Dividend Yield is a higher than the S&P500 average which is at 1.81.
Industry RankSector 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
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

  • 52.83% of the earnings are spent on dividend by BIRG. This is a bit on the high side, but may be sustainable.
  • The dividend of BIRG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP52.83%
EPS Next 2Y-2.08%
EPS Next 3Y3.56%
BIRG.I Yearly Income VS Free CF VS DividendBIRG.I Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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 (2/25/2026, 5:31:15 PM)

16.465

-0.18 (-1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A
Earnings (Next)03-02
Inst Owners63.68%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap15.69B
Revenue(TTM)5.91B
Net Income(TTM)1.19B
Analysts77.14
Price Target17.16 (4.22%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)0.37%
PT rev (3m)15.41%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)1.99%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.31%
Valuation
Industry RankSector Rank
PE 11.05
Fwd PE 10.24
P/S 2.66
P/FCF 8.19
P/OCF 6.38
P/B 1.2
P/tB 1.36
EV/EBITDA N/A
EPS(TTM)1.49
EY9.05%
EPS(NY)1.61
Fwd EY9.76%
FCF(TTM)2.01
FCFY12.21%
OCF(TTM)2.58
OCFY15.68%
SpS6.2
BVpS13.71
TBVpS12.07
PEG (NY)N/A
PEG (5Y)0.42
Graham Number21.44
Profitability
Industry RankSector 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 RankSector 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
WACC5.17%
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-16.14%
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 11.05 and the Price/Book (PB) ratio is 1.2.


Can you provide the financial health for BIRG stock?

The financial health rating of BANK OF IRELAND GROUP PLC (BIRG.I) is 3 / 10.