BANK OF IRELAND GROUP PLC (BIRG.I) 7.148 -0.34 (-4.49%)
7.148 -0.34 (-4.49%)
IE00BD1RP616 - Common Stock
Fundamental Rating
Taking everything into account, BIRG scores 4 out of 10 in our fundamental rating. BIRG was compared to 25 industry peers in the Banks industry. Both the profitability and financial health of BIRG have multiple concerns. A decent growth rate in combination with a cheap valuation! Better keep an eye on BIRG.
Profitability
Profitability Rating
BIRG has a Return On Assets of 0.63%. This is comparable to the industry average of 0.57%.
BIRG's Profit Margin of 16.59% is in line with the rest of the industry. The industry average Profit Margin is 17.61%.
BIRG has a Piotroski-F score of 5.00. This indicates an average health and profitability for BIRG.
BIRG's Return On Equity of 8.22% is worse than the rest of the industry. The industry average Return On Equity is 10.44%.
VS Industry
ROA (0.63%) VS Industry: 58% outperformed.
-0.21
27.95
ROE (8.22%) VS Industry: 34% outperformed.
2.48
29.94
Profit Margin (16.59%) VS Industry: 45% outperformed.
-12.44
97.58
Valuation
Valuation Rating
With a Price/Earnings Ratio of 8.03, the valuation of BIRG can be described as very reasonable.
With a Forward Price/Earnings Ratio of 7.54, the valuation of BIRG can be described as cheap.
The low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
With a price book ratio of 0.64, BIRG is valued rather cheaply.
BIRG's Price/Earning Ratio is in line with the industry average which is at 6.74.
Compared to an average industry price book ratio of 0.48, BIRG is valued more expensive than its industry peers.
VS Industry
Price/Earnings (8.03) VS Industry: 43% outperformed.
13.40
1.70
Price/Book (0.64) VS Industry: 29% outperformed.
1.14
0.09
Growth
Growth Rating
BIRG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 111.90%, which is quite impressive.
The Earnings Per Share has been growing by 12.77% on average over the past 5 years. This is quite good.
BIRG is expected to show quite a strong growth in Earnings Per Share. In the coming 5 years, the EPS will grow by 10.16% yearly.
The Revenue growth is accelerating: in the next 5 years the growth will be better than in the last years.
When comparing the EPS growth rate of the last years to the growth rate of the upcoming 5 years, we see that the growth is stable.
BIRG shows a small growth in Revenue. In the last year, the Revenue has grown by 0.93%.
BIRG shows a small growth in Revenue. Measured over the last 5 years, the Revenue has been growing by 4.88% yearly.
Based on estimates for the next 5 years, BIRG will show a small growth in Revenue. The Revenue will grow by 7.24% on average per year.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | 12.77% | 17.25% | 111.9% | -24.36% | 1% | 3.61% | 10.16% |
| Revenue | 4.88% | 16.16% | 0.93% | 3.84% | 8.73% | 6.98% | 7.24% |
Health
Health Rating
When comparing the Debt to Equity Ratio of 0.98 to an average industry Debt to Equity of 1.42, BIRG is way less dependent on financing that its industry peers.
BIRG has a Piotroski-F score of 5.00. This indicates an average health and profitability for BIRG.
VS Industry
Debt/Equity (0.98) VS Industry: 66% outperformed.
4.51
0.07
Dividend
Dividend Rating
BIRG pays out 5.48% of its income as dividend. This is a sustainable payout ratio.
With a yearly dividend of 0.68%, BIRG is not a good candidate for dividend investing.
With a Dividend Yield of 0.68, BIRG pays less dividend than the industry average, which is at 6.88. 95% of the companies listed in the same industry pay a better dividend than BIRG!
With a Dividend Yield of 0.68, BIRG pays less dividend than the S&P500 average, which is at 2.48.
The dividend of BIRG decreases each year by -32.14%.
VS Industry
Dividend Yield (0.68%) VS Industry: 5% outperformed.
0.62
16.58
BANK OF IRELAND GROUP PLC7.148
DUB:BIRG (9/26/2022, 5:30:15 PM)-0.34 (-4.49%)
| GICS Sector | Financials | ||
| GICS IndustryGroup | Banks | ||
| GICS Industry | Banks | ||
| Earnings (Last) | N/A N/A | Earnings (Next) | N/A N/A |
| Ins Owners | N/A | Inst Owners | N/A |
| Market Cap | 7.65B | Analysts | 74.29 |
| PE | 8.03 | Fwd PE | 7.54 |
| PEG (NY) | N/A | PEG (5Y) | 0.63 |
| P/S | 1.29 | P/B | 0.64 |
| EV/EBITDA | N/A | ||
| Dividend Yield | 0.68% | Dividend Growth | -32.14% |
| DP | 5.48% | Ex-Date | N/A |
| EPS 1Y | 111.9% | EPS 3Y | 17.25% |
| EPS 5Y | 12.77% | EPS growth Q2Q | -12.9% |
| EPS Next Y | -24.36% | EPS Next 2Y | 1% |
| EPS Next 3Y | 3.61% | EPS Next 5Y | 10.16% |
| Revenue growth 1Y | 0.93% | Revenue growth 3Y | 16.16% |
| Revenue growth 5Y | 4.88% | Revenue growth Q2Q | -12.79% |
| Revenue Next Year | 3.84% | Revenue Next 2Y | 8.73% |
| Revenue Next 3Y | 6.98% | Revenue Next 5Y | 7.24% |
| Current Ratio | N/A | Quick Ratio | N/A |
| Altman-Z | N/A | F-Score | 5 |
| Debt/Equity | 0.98 | ||
| ROA | 0.63% | ROE | 8.22% |
| ROIC | N/A | ROICg | N/A |
| PM | 16.59 | OM | N/A |
| Asset Turnover | 0.04 | ||
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