FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis

DUB:EG7 • IE0003290289

16.3 EUR
0 (0%)
Last: Feb 17, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Overall EG7 gets a fundamental rating of 5 out of 10. We evaluated EG7 against 48 industry peers in the Insurance industry. EG7 has only an average score on both its financial health and profitability. EG7 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • EG7 had positive earnings in the past year.
  • EG7 had a positive operating cash flow in the past year.
  • Each year in the past 5 years EG7 has been profitable.
  • Each year in the past 5 years EG7 had a positive operating cash flow.
EG7.I Yearly Net Income VS EBIT VS OCF VS FCFEG7.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 20M 40M 60M 80M 100M

1.2 Ratios

  • With an excellent Return On Assets value of 4.01%, EG7 belongs to the best of the industry, outperforming 81.25% of the companies in the same industry.
  • The Return On Equity of EG7 (11.50%) is worse than 66.67% of its industry peers.
  • EG7 has a Return On Invested Capital of 4.27%. This is amongst the best in the industry. EG7 outperforms 85.42% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for EG7 is in line with the industry average of 3.29%.
Industry RankSector Rank
ROA 4.01%
ROE 11.5%
ROIC 4.27%
ROA(3y)4.7%
ROA(5y)4.1%
ROE(3y)13.6%
ROE(5y)12.43%
ROIC(3y)5.05%
ROIC(5y)4.41%
EG7.I Yearly ROA, ROE, ROICEG7.I Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

  • EG7 has a better Profit Margin (10.22%) than 62.50% of its industry peers.
  • EG7's Profit Margin has declined in the last couple of years.
  • EG7 has a Operating Margin (12.25%) which is in line with its industry peers.
  • EG7's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 12.25%
PM (TTM) 10.22%
GM N/A
OM growth 3Y-15.36%
OM growth 5Y-8.77%
PM growth 3Y-15.49%
PM growth 5Y-9.99%
GM growth 3YN/A
GM growth 5YN/A
EG7.I Yearly Profit, Operating, Gross MarginsEG7.I Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EG7 is destroying value.
  • The number of shares outstanding for EG7 remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, EG7 has more shares outstanding
  • EG7 has a better debt/assets ratio than last year.
EG7.I Yearly Shares OutstandingEG7.I Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
EG7.I Yearly Total Debt VS Total AssetsEG7.I Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • Based on the Altman-Z score of 1.46, we must say that EG7 is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.46, EG7 belongs to the top of the industry, outperforming 93.75% of the companies in the same industry.
  • EG7 has a debt to FCF ratio of 1.13. This is a very positive value and a sign of high solvency as it would only need 1.13 years to pay back of all of its debts.
  • EG7 has a Debt to FCF ratio of 1.13. This is amongst the best in the industry. EG7 outperforms 81.25% of its industry peers.
  • EG7 has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
  • EG7 has a Debt to Equity ratio of 0.11. This is amongst the best in the industry. EG7 outperforms 97.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.13
Altman-Z 1.46
ROIC/WACC0.58
WACC7.39%
EG7.I Yearly LT Debt VS Equity VS FCFEG7.I Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

  • EG7 has a Current Ratio of 0.67. This is a bad value and indicates that EG7 is not financially healthy enough and could expect problems in meeting its short term obligations.
  • EG7 has a better Current ratio (0.67) than 72.92% of its industry peers.
  • A Quick Ratio of 0.67 indicates that EG7 may have some problems paying its short term obligations.
  • EG7 has a Quick ratio of 0.67. This is in the better half of the industry: EG7 outperforms 72.92% of its industry peers.
Industry RankSector Rank
Current Ratio 0.67
Quick Ratio 0.67
EG7.I Yearly Current Assets VS Current LiabilitesEG7.I Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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

5

3. Growth

3.1 Past

  • The earnings per share for EG7 have decreased strongly by -17.35% in the last year.
  • Measured over the past years, EG7 shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.98% on average per year.
  • EG7 shows a strong growth in Revenue. In the last year, the Revenue has grown by 38.29%.
  • The Revenue has been growing slightly by 2.89% on average over the past years.
EPS 1Y (TTM)-17.35%
EPS 3Y-11.93%
EPS 5Y-7.98%
EPS Q2Q%-47.53%
Revenue 1Y (TTM)38.29%
Revenue growth 3Y4.88%
Revenue growth 5Y2.89%
Sales Q2Q%59.09%

3.2 Future

  • The Earnings Per Share is expected to decrease by -5.65% on average over the next years.
  • EG7 is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.39% yearly.
EPS Next Y-32.34%
EPS Next 2Y-9.31%
EPS Next 3Y-5.65%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3Y13.39%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
EG7.I Yearly Revenue VS EstimatesEG7.I Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2027 100M 200M 300M 400M 500M
EG7.I Yearly EPS VS EstimatesEG7.I Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2 -2

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.16, the valuation of EG7 can be described as reasonable.
  • 72.92% of the companies in the same industry are more expensive than EG7, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.16. EG7 is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 11.45 indicates a reasonable valuation of EG7.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of EG7 indicates a slightly more expensive valuation: EG7 is more expensive than 60.42% of the companies listed in the same industry.
  • EG7's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.10.
Industry RankSector Rank
PE 11.16
Fwd PE 11.45
EG7.I Price Earnings VS Forward Price EarningsEG7.I Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • EG7's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. EG7 is cheaper than 83.33% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as EG7.
Industry RankSector Rank
P/FCF 14.18
EV/EBITDA 7.28
EG7.I Per share dataEG7.I EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • A cheap valuation may be justified as EG7's earnings are expected to decrease with -5.65% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-9.31%
EPS Next 3Y-5.65%

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 8.89%, EG7 is a good candidate for dividend investing.
  • EG7's Dividend Yield is rather good when compared to the industry average which is at 4.16. EG7 pays more dividend than 100.00% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, EG7 pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.89%

5.2 History

  • On average, the dividend of EG7 grows each year by 31.79%, which is quite nice.
Dividend Growth(5Y)31.79%
Div Incr Years0
Div Non Decr Years2
EG7.I Yearly Dividends per shareEG7.I Yearly Dividends per shareYearly Dividends per share 2019 2020 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • 134.87% of the earnings are spent on dividend by EG7. This is not a sustainable payout ratio.
  • The Dividend Rate of EG7 has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP134.87%
EPS Next 2Y-9.31%
EPS Next 3Y-5.65%
EG7.I Yearly Income VS Free CF VS DividendEG7.I Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
EG7.I Dividend Payout.EG7.I Dividend Payout, showing the Payout Ratio.EG7.I Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

FBD HOLDINGS PLC

DUB:EG7 (2/17/2026, 7:00:00 PM)

16.3

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A
Earnings (Next)03-06
Inst Owners8.33%
Inst Owner ChangeN/A
Ins Owners0.76%
Ins Owner ChangeN/A
Market Cap665.37M
Revenue(TTM)525.45M
Net Income(TTM)53.68M
Analysts80
Price Target16.63 (2.02%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.89%
Yearly Dividend1.47
Dividend Growth(5Y)31.79%
DP134.87%
Div Incr Years0
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%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.16
Fwd PE 11.45
P/S 1.27
P/FCF 14.18
P/OCF 10.6
P/B 1.42
P/tB 1.53
EV/EBITDA 7.28
EPS(TTM)1.46
EY8.96%
EPS(NY)1.42
Fwd EY8.74%
FCF(TTM)1.15
FCFY7.05%
OCF(TTM)1.54
OCFY9.44%
SpS12.87
BVpS11.44
TBVpS10.64
PEG (NY)N/A
PEG (5Y)N/A
Graham Number19.39
Profitability
Industry RankSector Rank
ROA 4.01%
ROE 11.5%
ROCE 4.95%
ROIC 4.27%
ROICexc 4.75%
ROICexgc 5.27%
OM 12.25%
PM (TTM) 10.22%
GM N/A
FCFM 8.93%
ROA(3y)4.7%
ROA(5y)4.1%
ROE(3y)13.6%
ROE(5y)12.43%
ROIC(3y)5.05%
ROIC(5y)4.41%
ROICexc(3y)5.71%
ROICexc(5y)4.97%
ROICexgc(3y)6.43%
ROICexgc(5y)5.76%
ROCE(3y)5.85%
ROCE(5y)5.11%
ROICexgc growth 3Y-9.68%
ROICexgc growth 5Y-6.63%
ROICexc growth 3Y-6.24%
ROICexc growth 5Y-5.3%
OM growth 3Y-15.36%
OM growth 5Y-8.77%
PM growth 3Y-15.49%
PM growth 5Y-9.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.39
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.13
Debt/EBITDA 0.66
Cap/Depr 97.25%
Cap/Sales 3.02%
Interest Coverage 25.76
Cash Conversion 77.8%
Profit Quality 87.4%
Current Ratio 0.67
Quick Ratio 0.67
Altman-Z 1.46
F-Score5
WACC7.39%
ROIC/WACC0.58
Cap/Depr(3y)122.26%
Cap/Depr(5y)102.68%
Cap/Sales(3y)4.77%
Cap/Sales(5y)4.1%
Profit Quality(3y)106.02%
Profit Quality(5y)386.31%
High Growth Momentum
Growth
EPS 1Y (TTM)-17.35%
EPS 3Y-11.93%
EPS 5Y-7.98%
EPS Q2Q%-47.53%
EPS Next Y-32.34%
EPS Next 2Y-9.31%
EPS Next 3Y-5.65%
EPS Next 5YN/A
Revenue 1Y (TTM)38.29%
Revenue growth 3Y4.88%
Revenue growth 5Y2.89%
Sales Q2Q%59.09%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3Y13.39%
Revenue Next 5YN/A
EBIT growth 1Y-17.35%
EBIT growth 3Y-11.23%
EBIT growth 5Y-6.14%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y90.12%
FCF growth 3Y14.76%
FCF growth 5Y11.93%
OCF growth 1Y49.81%
OCF growth 3Y15.78%
OCF growth 5Y12%

FBD HOLDINGS PLC / EG7.I FAQ

Can you provide the ChartMill fundamental rating for FBD HOLDINGS PLC?

ChartMill assigns a fundamental rating of 5 / 10 to EG7.I.


What is the valuation status for EG7 stock?

ChartMill assigns a valuation rating of 5 / 10 to FBD HOLDINGS PLC (EG7.I). This can be considered as Fairly Valued.


How profitable is FBD HOLDINGS PLC (EG7.I) stock?

FBD HOLDINGS PLC (EG7.I) has a profitability rating of 5 / 10.


What are the PE and PB ratios of FBD HOLDINGS PLC (EG7.I) stock?

The Price/Earnings (PE) ratio for FBD HOLDINGS PLC (EG7.I) is 11.16 and the Price/Book (PB) ratio is 1.42.


Can you provide the dividend sustainability for EG7 stock?

The dividend rating of FBD HOLDINGS PLC (EG7.I) is 6 / 10 and the dividend payout ratio is 134.87%.