BANK OF IRELAND GROUP PLC (BIRG.I) Stock Fundamental Analysis
Europe - DUB:BIRG - IE00BD1RP616 - Common Stock
15.555 EUR
+0.17 (+1.14%)
Taking everything into account, BIRG scores 4 out of 10 in our fundamental rating. BIRG was compared to 96 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
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.
BIRG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
BIRG's Return On Assets of 0.73% is in line compared to the rest of the industry. BIRG outperforms 47.92% of its industry peers.
BIRG has a Return On Equity of 9.07%. This is comparable to the rest of the industry: BIRG outperforms 44.79% 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
The Profit Margin of BIRG (20.06%) is worse than 61.46% 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 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.
Compared to 1 year ago, BIRG has less shares outstanding
The number of shares outstanding for BIRG has been reduced compared to 5 years ago.
Compared to 1 year ago, BIRG has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of BIRG is 5.36, which is a neutral value as it means it would take BIRG, 5.36 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 5.36, BIRG belongs to the best of the industry, outperforming 87.50% 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 better Debt to Equity ratio (0.79) than 81.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 5.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.99%
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.
The Revenue has been growing by 8.39% on average over the past years. This is quite good.
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 6.10% on average per year.
BIRG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.75% yearly.
EPS Next Y-17.78%
EPS Next 2Y-3.51%
EPS Next 3Y2.85%
EPS Next 5Y6.1%
Revenue Next Year-5.67%
Revenue Next 2Y-1.94%
Revenue Next 3Y0.27%
Revenue Next 5Y1.75%
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 10.44.
BIRG's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.35. BIRG is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.97 indicates a reasonable valuation of BIRG.
BIRG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BIRG is cheaper than 62.50% of the companies in the same industry.
BIRG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 33.72.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.44 | ||
| Fwd PE | 9.97 |
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 72.92% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.74 | ||
| 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.
With a Dividend Yield of 2.45, BIRG pays less dividend than the industry average, which is at 4.84. 82.29% of the companies listed in the same industry pay a better dividend than BIRG!
Compared to an average S&P500 Dividend Yield of 2.36, 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
BIRG pays out 52.83% of its income as dividend. 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-3.51%
EPS Next 3Y2.85%
DUB:BIRG (11/12/2025, 12:19:18 PM)
15.555
+0.17 (+1.14%)
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 Cap14.83B
Revenue(TTM)5.91B
Net Income(TTM)1.19B
Analysts78
Price Target14.87 (-4.4%)
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)4.41%
PT rev (3m)9.45%
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 | 10.44 | ||
| Fwd PE | 9.97 | ||
| P/S | 2.51 | ||
| P/FCF | 7.74 | ||
| P/OCF | 6.03 | ||
| P/B | 1.13 | ||
| P/tB | 1.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.49
EY9.58%
EPS(NY)1.56
Fwd EY10.03%
FCF(TTM)2.01
FCFY12.92%
OCF(TTM)2.58
OCFY16.58%
SpS6.2
BVpS13.71
TBVpS12.06
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
WACC4.99%
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 5Y6.1%
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 5Y1.75%
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.
Can you provide the valuation status for BANK OF IRELAND GROUP PLC?
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.
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%.