FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis
DUB:EG7 - IE0003290289 - Common Stock
14.5 EUR
-0.05 (-0.34%)
We assign a fundamental rating of 5 out of 10 to EG7. EG7 was compared to 36 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.
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.
EG7 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EG7 has a Return On Assets of 4.01%. This is amongst the best in the industry. EG7 outperforms 94.44% of its industry peers.
Looking at the Return On Equity, with a value of 11.50%, EG7 is doing worse than 61.11% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 4.27%, EG7 belongs to the top of the industry, outperforming 91.67% of the companies in the same industry.
EG7 had an Average Return On Invested Capital over the past 3 years of 5.05%. This is above the industry average of 2.28%.
| 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 63.89% 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 55.56% 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
EG7 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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
EG7 has an Altman-Z score of 1.41. This is a bad value and indicates that EG7 is not financially healthy and even has some risk of bankruptcy.
EG7 has a Altman-Z score of 1.41. This is amongst the best in the industry. EG7 outperforms 94.44% of its industry peers.
The Debt to FCF ratio of EG7 is 1.13, which is an excellent value as it means it would take EG7, only 1.13 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 1.13, EG7 belongs to the best of the industry, outperforming 80.56% 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 94.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.13 | ||
| Altman-Z | 1.41 |
ROIC/WACC0.59
WACC7.21%
2.3 Liquidity
A Current Ratio of 0.67 indicates that EG7 may have some problems paying its short term obligations.
With a decent Current ratio value of 0.67, EG7 is doing good in the industry, outperforming 77.78% of the companies in the same industry.
A Quick Ratio of 0.67 indicates that EG7 may have some problems paying its short term obligations.
With a decent Quick ratio value of 0.67, EG7 is doing good in the industry, outperforming 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.67 | ||
| Quick Ratio | 0.67 |
3. Growth
3.1 Past
The earnings per share for EG7 have decreased strongly by -17.35% in the last year.
The Earnings Per Share has been decreasing by -7.98% on average over the past years.
The Revenue has grown by 38.29% in the past year. This is a very strong growth!
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
The Earnings Per Share is expected to decrease by -5.38% on average over the next years.
Based on estimates for the next years, EG7 will show a quite strong growth in Revenue. The Revenue will grow by 13.39% on average per year.
EPS Next Y-32.34%
EPS Next 2Y-9.31%
EPS Next 3Y-5.38%
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.
4. Valuation
4.1 Price/Earnings Ratio
EG7 is valuated reasonably with a Price/Earnings ratio of 9.93.
Based on the Price/Earnings ratio, EG7 is valued cheaper than 86.11% of the companies in the same industry.
When comparing the Price/Earnings ratio of EG7 to the average of the S&P500 Index (27.06), we can say EG7 is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.18, the valuation of EG7 can be described as reasonable.
EG7's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. EG7 is cheaper than 63.89% of the companies 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 22.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.93 | ||
| Fwd PE | 10.18 |
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.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EG7 is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.7 | ||
| EV/EBITDA | 6.44 |
4.3 Compensation for Growth
A cheap valuation may be justified as EG7's earnings are expected to decrease with -5.38% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-9.31%
EPS Next 3Y-5.38%
5. Dividend
5.1 Amount
EG7 has a Yearly Dividend Yield of 8.89%, which is a nice return.
Compared to an average industry Dividend Yield of 4.47, EG7 pays a better dividend. On top of this EG7 pays more dividend than 100.00% of the companies listed in the same industry.
EG7's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.89% |
5.2 History
The dividend of EG7 is nicely growing with an annual growth rate of 31.79%!
Dividend Growth(5Y)31.79%
Div Incr Years0
Div Non Decr Years2
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-5.38%
DUB:EG7 (9/5/2025, 7:00:00 PM)
14.5
-0.05 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners13.73%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner ChangeN/A
Market Cap595.80M
Analysts80
Price Target16.63 (14.69%)
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)4.49%
PT rev (3m)5.16%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)118.87%
EPS NY rev (3m)118.87%
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 | 9.93 | ||
| Fwd PE | 10.18 | ||
| P/S | 1.13 | ||
| P/FCF | 12.7 | ||
| P/OCF | 9.49 | ||
| P/B | 1.28 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | 6.44 |
EPS(TTM)1.46
EY10.07%
EPS(NY)1.42
Fwd EY9.82%
FCF(TTM)1.14
FCFY7.88%
OCF(TTM)1.53
OCFY10.54%
SpS12.79
BVpS11.37
TBVpS10.57
PEG (NY)N/A
PEG (5Y)N/A
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%
ROICexcg growth 3Y-9.68%
ROICexcg 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 | 1.41 |
F-Score5
WACC7.21%
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-5.38%
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%