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FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis

DUB:EG7 - Euronext Dublin - IE0003290289 - Common Stock - Currency: EUR

12.9  -0.4 (-3.01%)

Fundamental Rating

5

Overall EG7 gets a fundamental rating of 5 out of 10. We evaluated EG7 against 33 industry peers in the Insurance industry. While EG7 has a great profitability rating, there are some minor concerns on its financial health. EG7 has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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7

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.
In the past 5 years EG7 has always been profitable.
In the past 5 years EG7 always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

1.2 Ratios

EG7 has a better Return On Assets (4.90%) than 96.97% of its industry peers.
EG7 has a Return On Equity (13.77%) which is in line with its industry peers.
EG7 has a Return On Invested Capital of 5.19%. This is amongst the best in the industry. EG7 outperforms 93.94% of its industry peers.
The Average Return On Invested Capital over the past 3 years for EG7 is above the industry average of 2.22%.
The 3 year average ROIC (5.05%) for EG7 is below the current ROIC(5.19%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4.9%
ROE 13.77%
ROIC 5.19%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 -30

1.3 Margins

Looking at the Profit Margin, with a value of 16.20%, EG7 belongs to the top of the industry, outperforming 90.91% of the companies in the same industry.
EG7's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 19.25%, EG7 belongs to the best of the industry, outperforming 84.85% of the companies in the same industry.
In the last couple of years the Operating Margin of EG7 has declined.
Industry RankSector Rank
OM 19.25%
PM (TTM) 16.2%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 30

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4

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EG7 is destroying value.
Compared to 1 year ago, EG7 has about the same amount of shares outstanding.
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

EG7 has a debt to FCF ratio of 0.82. This is a very positive value and a sign of high solvency as it would only need 0.82 years to pay back of all of its debts.
The Debt to FCF ratio of EG7 (0.82) is better than 93.94% 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's Debt to Equity ratio of 0.11 is amongst the best of the industry. EG7 outperforms 93.94% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.82
Altman-Z N/A
ROIC/WACC0.71
WACC7.36%
EG7.I Yearly LT Debt VS Equity VS FCFEG7.I Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EG7.I Yearly Current Assets VS Current LiabilitesEG7.I Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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4

3. Growth

3.1 Past

The earnings per share for EG7 have decreased by -3.45% 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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.35%.
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)-3.45%
EPS 3Y-11.93%
EPS 5Y-7.98%
EPS Q2Q%5.72%
Revenue 1Y (TTM)16.35%
Revenue growth 3Y4.88%
Revenue growth 5Y2.89%
Sales Q2Q%17.45%

3.2 Future

EG7 is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.38% yearly.
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-69.09%
EPS Next 2Y-13.26%
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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.
EG7.I Yearly Revenue VS EstimatesEG7.I Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2 -2

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5

4. Valuation

4.1 Price/Earnings Ratio

EG7 is valuated cheaply with a Price/Earnings ratio of 7.05.
EG7's Price/Earnings ratio is rather cheap when compared to the industry. EG7 is cheaper than 96.97% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.88. EG7 is valued rather cheaply when compared to this.
EG7 is valuated rather expensively with a Price/Forward Earnings ratio of 24.10.
Based on the Price/Forward Earnings ratio, EG7 is valued expensively inside the industry as 90.91% of the companies are valued cheaper.
The average S&P500 Price/Forward Earnings ratio is at 21.20. EG7 is around the same levels.
Industry RankSector Rank
PE 7.05
Fwd PE 24.1
EG7.I Price Earnings VS Forward Price EarningsEG7.I Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of EG7 indicates a rather cheap valuation: EG7 is cheaper than 93.94% of the companies listed in the same industry.
EG7's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 8.19
EV/EBITDA 4.68
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

EG7 has a very decent profitability rating, which may justify a higher PE ratio.
EG7's earnings are expected to decrease with -5.38% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-13.26%
EPS Next 3Y-5.38%

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6

5. Dividend

5.1 Amount

EG7 has a Yearly Dividend Yield of 8.89%, which is a nice return.
EG7's Dividend Yield is rather good when compared to the industry average which is at 4.56. EG7 pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, EG7 pays a better dividend.
Industry RankSector 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 Years1
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

EG7 pays out 107.71% of its income as dividend. This is not a sustainable payout ratio.
EG7's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP107.71%
EPS Next 2Y-13.26%
EPS Next 3Y-5.38%
EG7.I Yearly Income VS Free CF VS DividendEG7.I Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M
EG7.I Dividend Payout.EG7.I Dividend Payout, showing the Payout Ratio.EG7.I Dividend Payout.PayoutRetained Earnings

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FBD HOLDINGS PLC

DUB:EG7 (4/30/2025, 7:00:00 PM)

12.9

-0.4 (-3.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-07 2025-03-07/amc
Earnings (Next)08-07 2025-08-07
Inst Owners16.18%
Inst Owner ChangeN/A
Ins Owners0.7%
Ins Owner ChangeN/A
Market Cap530.06M
Analysts80
Price Target15.81 (22.56%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.89%
Yearly Dividend1.47
Dividend Growth(5Y)31.79%
DP107.71%
Div Incr Years1
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)-56.91%
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 7.05
Fwd PE 24.1
P/S 1.28
P/FCF 8.19
P/OCF 6.3
P/B 1.09
P/tB 1.18
EV/EBITDA 4.68
EPS(TTM)1.83
EY14.19%
EPS(NY)0.54
Fwd EY4.15%
FCF(TTM)1.58
FCFY12.22%
OCF(TTM)2.05
OCFY15.87%
SpS10.05
BVpS11.83
TBVpS10.94
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 4.9%
ROE 13.77%
ROCE 6.02%
ROIC 5.19%
ROICexc 5.87%
ROICexgc 6.58%
OM 19.25%
PM (TTM) 16.2%
GM N/A
FCFM 15.68%
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)6.49%
ROICexgc(5y)5.8%
ROCE(3y)5.85%
ROCE(5y)5.11%
ROICexcg growth 3Y-9.31%
ROICexcg growth 5Y-6.4%
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-Score7
Asset Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.82
Debt/EBITDA 0.55
Cap/Depr 120.74%
Cap/Sales 4.69%
Interest Coverage 31.81
Cash Conversion 88.03%
Profit Quality 96.76%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.36%
ROIC/WACC0.71
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)-3.45%
EPS 3Y-11.93%
EPS 5Y-7.98%
EPS Q2Q%5.72%
EPS Next Y-69.09%
EPS Next 2Y-13.26%
EPS Next 3Y-5.38%
EPS Next 5YN/A
Revenue 1Y (TTM)16.35%
Revenue growth 3Y4.88%
Revenue growth 5Y2.89%
Sales Q2Q%17.45%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3Y13.39%
Revenue Next 5YN/A
EBIT growth 1Y-7.19%
EBIT growth 3Y-11.23%
EBIT growth 5Y-6.14%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y42.9%
FCF growth 3Y14.76%
FCF growth 5Y11.93%
OCF growth 1Y29.25%
OCF growth 3Y15.78%
OCF growth 5Y12%