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

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

12.29  +0.08 (+0.7%)

Fundamental Rating

4

BIRG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 94 industry peers in the Banks industry. Both the profitability and financial health of BIRG have multiple concerns. BIRG is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

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

1.2 Ratios

With a decent Return On Assets value of 0.97%, BIRG is doing good in the industry, outperforming 67.02% of the companies in the same industry.
BIRG has a Return On Equity of 12.20%. This is comparable to the rest of the industry: BIRG outperforms 58.51% of its industry peers.
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 of 22.55%. This is comparable to the rest of the industry: BIRG outperforms 53.19% of its industry peers.
In the last couple of years the Profit Margin of BIRG has grown nicely.
BIRG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 22.55%
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 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.
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.
Compared to 1 year ago, BIRG has a worse debt to assets ratio.
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

BIRG has a debt to FCF ratio of 12.02. This is a negative value and a sign of low solvency as BIRG would need 12.02 years to pay back of all of its debts.
BIRG has a Debt to FCF ratio of 12.02. This is amongst the best in the industry. BIRG outperforms 86.17% of its industry peers.
A Debt/Equity ratio of 0.96 indicates that BIRG is somewhat dependend on debt financing.
BIRG has a Debt to Equity ratio of 0.96. This is in the better half of the industry: BIRG outperforms 77.66% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.96
Debt/FCF 12.02
Altman-Z N/A
ROIC/WACCN/A
WACC4.81%
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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4

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.
Looking at the last year, BIRG shows a small growth in Revenue. The Revenue has grown by 6.32% in the last year.
The Revenue has been growing by 8.39% on average over the past years. This is quite good.
EPS 1Y (TTM)12.03%
EPS 3Y21.69%
EPS 5Y26.37%
EPS Q2Q%16.12%
Revenue 1Y (TTM)6.32%
Revenue growth 3Y10.55%
Revenue growth 5Y8.39%
Sales Q2Q%-5.75%

3.2 Future

The Earnings Per Share is expected to grow by 0.90% on average over the next years.
Based on estimates for the next years, BIRG will show a decrease in Revenue. The Revenue will decrease by -0.36% on average per year.
EPS Next Y-15.81%
EPS Next 2Y-4.56%
EPS Next 3Y0.9%
EPS Next 5YN/A
Revenue Next Year-6.13%
Revenue Next 2Y-2.59%
Revenue Next 3Y-0.36%
Revenue Next 5YN/A

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 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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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.32, the valuation of BIRG can be described as very cheap.
82.98% of the companies in the same industry are more expensive than BIRG, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.46, BIRG is valued rather cheaply.
BIRG is valuated reasonably with a Price/Forward Earnings ratio of 8.71.
Based on the Price/Forward Earnings ratio, BIRG is valued a bit cheaper than 64.89% of the companies in the same industry.
BIRG is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.30, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.32
Fwd PE 8.71
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

Based on the Price/Free Cash Flow ratio, BIRG is valued a bit cheaper than 79.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.89
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)0.28
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.
With a Dividend Yield of 2.45, BIRG pays less dividend than the industry average, which is at 5.02. 85.11% of the companies listed in the same industry pay a better dividend than BIRG!
Compared to an average S&P500 Dividend Yield of 2.38, BIRG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.45%

5.2 History

The dividend of BIRG is nicely growing with an annual growth rate of 49.04%!
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

40.38% 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.
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 (6/3/2025, 7:00:00 PM)

12.29

+0.08 (+0.7%)

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 Cap11.96B
Analysts73.68
Price Target12.81 (4.23%)
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)-1.92%
PT rev (3m)9.24%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.58%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-0.41%
Valuation
Industry RankSector Rank
PE 7.32
Fwd PE 8.71
P/S 1.75
P/FCF 11.89
P/OCF 8.19
P/B 0.95
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)1.68
EY13.67%
EPS(NY)1.41
Fwd EY11.48%
FCF(TTM)1.03
FCFY8.41%
OCF(TTM)1.5
OCFY12.22%
SpS7.01
BVpS12.95
TBVpS11.42
PEG (NY)N/A
PEG (5Y)0.28
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 3Y3.22%
PM growth 5Y20.32%
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
WACC4.81%
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 3Y10.55%
Revenue growth 5Y8.39%
Sales Q2Q%-5.75%
Revenue Next Year-6.13%
Revenue Next 2Y-2.59%
Revenue Next 3Y-0.36%
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