FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis
Europe - Euronext Dublin - DUB:EG7 - IE0003290289 - Common Stock
15.3 EUR
+0.1 (+0.66%)
We assign a fundamental rating of 5 out of 10 to EG7. EG7 was compared to 50 industry peers in the Insurance industry. EG7 has an average financial health and profitability rating. EG7 has a decent growth rate and is not valued too expensively.
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.
1.2 Ratios
With an excellent Return On Assets value of 4.01%, EG7 belongs to the best of the industry, outperforming 86.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.50%, EG7 is doing worse than 68.00% of the companies in the same industry.
EG7's Return On Invested Capital of 4.27% is amongst the best of the industry. EG7 outperforms 90.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for EG7 is above the industry average of 2.66%.
| Industry Rank | Sector 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%
1.3 Margins
With a decent Profit Margin value of 10.22%, EG7 is doing good in the industry, outperforming 64.00% of the companies in the same industry.
In the last couple of years the Profit Margin of EG7 has declined.
Looking at the Operating Margin, with a value of 12.25%, EG7 is in line with its industry, outperforming 50.00% of the companies in the same industry.
In the last couple of years the Operating Margin of EG7 has declined.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so EG7 is destroying value.
EG7 has about the same amout of shares outstanding than it did 1 year ago.
EG7 has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, EG7 has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.43, we must say that EG7 is in the distress zone and has some risk of bankruptcy.
EG7 has a better Altman-Z score (1.43) than 94.00% of its industry peers.
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.
Looking at the Debt to FCF ratio, with a value of 1.13, EG7 belongs to the top of the industry, outperforming 84.00% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that EG7 is not too dependend on debt financing.
EG7's Debt to Equity ratio of 0.11 is amongst the best of the industry. EG7 outperforms 98.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.13 | ||
| Altman-Z | 1.43 |
ROIC/WACC0.59
WACC7.24%
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's Current ratio of 0.67 is fine compared to the rest of the industry. EG7 outperforms 80.00% of its industry peers.
A Quick Ratio of 0.67 indicates that EG7 may have some problems paying its short term obligations.
EG7's Quick ratio of 0.67 is fine compared to the rest of the industry. EG7 outperforms 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.67 | ||
| Quick Ratio | 0.67 |
3. Growth
3.1 Past
EG7 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.35%.
The Earnings Per Share has been decreasing by -7.98% on average over the past years.
Looking at the last year, EG7 shows a very strong growth in Revenue. The Revenue has grown by 38.29%.
Measured over the past years, EG7 shows a small growth in Revenue. The Revenue has been growing by 2.89% on average per year.
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
EG7 is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.65% yearly.
The Revenue is expected to grow by 13.39% on average over the next years. This is quite good.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
EG7 is valuated reasonably with a Price/Earnings ratio of 10.48.
Compared to the rest of the industry, the Price/Earnings ratio of EG7 indicates a somewhat cheap valuation: EG7 is cheaper than 76.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of EG7 to the average of the S&P500 Index (26.34), we can say EG7 is valued rather cheaply.
EG7 is valuated reasonably with a Price/Forward Earnings ratio of 10.74.
EG7's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.56, EG7 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.48 | ||
| Fwd PE | 10.74 |
4.2 Price Multiples
EG7's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. EG7 is cheaper than 86.00% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as EG7.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.33 | ||
| EV/EBITDA | 6.73 |
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%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.89%, EG7 is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.38, EG7 pays a better dividend. On top of this EG7 pays more dividend than 98.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, EG7 pays a better dividend.
| Industry Rank | Sector 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
5.3 Sustainability
EG7 pays out 134.87% of its income as dividend. 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%
DUB:EG7 (12/8/2025, 7:00:00 PM)
15.3
+0.1 (+0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners8.48%
Inst Owner ChangeN/A
Ins Owners0.75%
Ins Owner ChangeN/A
Market Cap625.46M
Revenue(TTM)525.45M
Net Income(TTM)53.68M
Analysts80
Price Target16.63 (8.69%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.48 | ||
| Fwd PE | 10.74 | ||
| P/S | 1.19 | ||
| P/FCF | 13.33 | ||
| P/OCF | 9.96 | ||
| P/B | 1.34 | ||
| P/tB | 1.44 | ||
| EV/EBITDA | 6.73 |
EPS(TTM)1.46
EY9.54%
EPS(NY)1.42
Fwd EY9.31%
FCF(TTM)1.15
FCFY7.5%
OCF(TTM)1.54
OCFY10.04%
SpS12.85
BVpS11.42
TBVpS10.62
PEG (NY)N/A
PEG (5Y)N/A
Graham Number19.37
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.43 |
F-Score5
WACC7.24%
ROIC/WACC0.59
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 of FBD HOLDINGS PLC (EG7.I) 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.
How financially healthy is FBD HOLDINGS PLC?
The financial health rating of FBD HOLDINGS PLC (EG7.I) is 5 / 10.
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%.