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

DUB:BIRG • IE00BD1RP616

Current stock price

16.425 EUR
+0.04 (+0.21%)
Last:

This BIRG.I fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BIRG.I Profitability Analysis

1.1 Basic Checks

  • In the past year BIRG was profitable.
  • In the past year BIRG had a positive cash flow from operations.
  • Each year in the past 5 years BIRG has been profitable.
  • Of the past 5 years BIRG 4 years had a positive operating cash flow.
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 2025 0 5B 10B 15B

1.2 Ratios

  • BIRG has a Return On Assets of 0.68%. This is comparable to the rest of the industry: BIRG outperforms 46.67% of its industry peers.
  • With a Return On Equity value of 8.63%, BIRG is not doing good in the industry: 60.95% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.68%
ROE 8.63%
ROIC N/A
ROA(3y)0.84%
ROA(5y)0.74%
ROE(3y)10.55%
ROE(5y)9.43%
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 2025 0 5 -5 10

1.3 Margins

  • With a Profit Margin value of 19.46%, BIRG is not doing good in the industry: 65.71% of the companies in the same industry are doing better.
  • 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) 19.46%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.15%
PM growth 5YN/A
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 2025 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. BIRG.I Health Analysis

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 has been reduced compared to a year ago.
BIRG.I Yearly Shares OutstandingBIRG.I Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 50B 100B 150B

2.2 Solvency

  • The Debt to FCF ratio of BIRG is 2.83, which is a good value as it means it would take BIRG, 2.83 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of BIRG (2.83) is better than 95.24% of its industry peers.
  • A Debt/Equity ratio of 0.77 indicates that BIRG is somewhat dependend on debt financing.
  • The Debt to Equity ratio of BIRG (0.77) is better than 79.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 2.83
Altman-Z N/A
ROIC/WACCN/A
WACC5.2%
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 2025 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 2025 200M 400M 600M

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

4

3. BIRG.I Growth Analysis

3.1 Past

  • BIRG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.73%.
  • Measured over the past years, BIRG shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.26% on average per year.
  • Looking at the last year, BIRG shows a very negative growth in Revenue. The Revenue has decreased by -16.56% in the last year.
  • Measured over the past years, BIRG shows a small growth in Revenue. The Revenue has been growing by 5.31% on average per year.
EPS 1Y (TTM)-9.73%
EPS 3Y20.26%
EPS 5YN/A
EPS Q2Q%2.25%
Revenue 1Y (TTM)-16.56%
Revenue growth 3Y0.4%
Revenue growth 5Y5.31%
Sales Q2Q%0.8%

3.2 Future

  • BIRG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.49% yearly.
  • Based on estimates for the next years, BIRG will show a small growth in Revenue. The Revenue will grow by 5.06% on average per year.
EPS Next Y2.76%
EPS Next 2Y9.96%
EPS Next 3Y11.49%
EPS Next 5YN/A
Revenue Next Year3.54%
Revenue Next 2Y4.47%
Revenue Next 3Y5.06%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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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4

4. BIRG.I Valuation Analysis

4.1 Price/Earnings Ratio

  • BIRG is valuated reasonably with a Price/Earnings ratio of 10.88.
  • 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 26.78, BIRG is valued rather cheaply.
  • A Price/Forward Earnings ratio of 10.56 indicates a reasonable valuation of BIRG.
  • BIRG's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 23.54. BIRG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.88
Fwd PE 10.56
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 80.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.44
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.94
PEG (5Y)N/A
EPS Next 2Y9.96%
EPS Next 3Y11.49%

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

4

5. BIRG.I Dividend Analysis

5.1 Amount

  • BIRG has a Yearly Dividend Yield of 2.45%.
  • With a Dividend Yield of 2.45, BIRG pays less dividend than the industry average, which is at 4.70. 84.76% of the companies listed in the same industry pay a better dividend than BIRG!
  • Compared to an average S&P500 Dividend Yield of 1.83, BIRG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.45%

5.2 History

  • On average, the dividend of BIRG grows each year by 26.66%, which is quite nice.
Dividend Growth(5Y)26.66%
Div Incr Years0
Div Non Decr Years0
BIRG.I Yearly Dividends per shareBIRG.I Yearly Dividends per shareYearly Dividends per share 2019 2020 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 46.01% 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.
DP46.01%
EPS Next 2Y9.96%
EPS Next 3Y11.49%
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 2025 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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BIRG.I Fundamentals: All Metrics, Ratios and Statistics

BANK OF IRELAND GROUP PLC

DUB:BIRG (4/10/2026, 7:00:00 PM)

16.425

+0.04 (+0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-02
Earnings (Next)07-27
Inst Owners61.26%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap15.62B
Revenue(TTM)5.73B
Net Income(TTM)1.11B
Analysts77.14
Price Target18.21 (10.87%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.45%
Yearly Dividend0.52
Dividend Growth(5Y)26.66%
DP46.01%
Div Incr Years0
Div Non Decr Years0
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)3.34%
PT rev (3m)6.51%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.54%
EPS NY rev (3m)-3.26%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.7%
Revenue NY rev (3m)1.17%
Valuation
Industry RankSector Rank
PE 10.88
Fwd PE 10.56
P/S 2.73
P/FCF 4.44
P/OCF 3.91
P/B 1.21
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)1.51
EY9.19%
EPS(NY)1.55
Fwd EY9.47%
FCF(TTM)3.7
FCFY22.55%
OCF(TTM)4.2
OCFY25.56%
SpS6.02
BVpS13.58
TBVpS11.9
PEG (NY)3.94
PEG (5Y)N/A
Graham Number21.48
Profitability
Industry RankSector Rank
ROA 0.68%
ROE 8.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.46%
GM N/A
FCFM 61.48%
ROA(3y)0.84%
ROA(5y)0.74%
ROE(3y)10.55%
ROE(5y)9.43%
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 3Y12.15%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 2.83
Debt/EBITDA N/A
Cap/Depr 144.62%
Cap/Sales 8.2%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 315.96%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC5.2%
ROIC/WACCN/A
Cap/Depr(3y)154.37%
Cap/Depr(5y)149.59%
Cap/Sales(3y)7.49%
Cap/Sales(5y)7.1%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-9.73%
EPS 3Y20.26%
EPS 5YN/A
EPS Q2Q%2.25%
EPS Next Y2.76%
EPS Next 2Y9.96%
EPS Next 3Y11.49%
EPS Next 5YN/A
Revenue 1Y (TTM)-16.56%
Revenue growth 3Y0.4%
Revenue growth 5Y5.31%
Sales Q2Q%0.8%
Revenue Next Year3.54%
Revenue Next 2Y4.47%
Revenue Next 3Y5.06%
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 1Y66.26%
FCF growth 3Y40.84%
FCF growth 5Y-1.87%
OCF growth 1Y51.31%
OCF growth 3Y34.83%
OCF growth 5Y-0.79%

BANK OF IRELAND GROUP PLC / BIRG.I Fundamental Analysis 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.


Can you provide the profitability details for BANK OF IRELAND GROUP PLC?

BANK OF IRELAND GROUP PLC (BIRG.I) has a profitability rating of 3 / 10.


What is the expected EPS growth for BANK OF IRELAND GROUP PLC (BIRG.I) stock?

The Earnings per Share (EPS) of BANK OF IRELAND GROUP PLC (BIRG.I) is expected to grow by 2.76% in the next year.


Can you provide the dividend sustainability for BIRG stock?

The dividend rating of BANK OF IRELAND GROUP PLC (BIRG.I) is 4 / 10 and the dividend payout ratio is 46.01%.