FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis
Europe - DUB:EG7 - IE0003290289 - Common Stock
13.9 EUR
-0.1 (-0.71%)
Overall EG7 gets a fundamental rating of 5 out of 10. We evaluated EG7 against 40 industry peers in the Insurance industry. EG7 has only an average score on both its financial health and profitability. EG7 has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year EG7 was profitable.
In the past year EG7 had a positive cash flow from operations.
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 95.00% of its industry peers.
The Return On Equity of EG7 (11.50%) is worse than 60.00% of its industry peers.
EG7's Return On Invested Capital of 4.27% is amongst the best of the industry. EG7 outperforms 92.50% of its industry peers.
EG7 had an Average Return On Invested Capital over the past 3 years of 5.05%. This is above the industry average of 2.35%.
| 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
The Profit Margin of EG7 (10.22%) is better than 65.00% of its industry peers.
EG7's Profit Margin has declined in the last couple of years.
The Operating Margin of EG7 (12.25%) is comparable to the rest of the industry.
EG7's Operating Margin has declined in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EG7 is destroying value.
EG7 has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for EG7 has been increased compared to 5 years ago.
EG7 has a better debt/assets ratio than last year.
2.2 Solvency
EG7 has an Altman-Z score of 1.40. This is a bad value and indicates that EG7 is not financially healthy and even has some risk of bankruptcy.
EG7's Altman-Z score of 1.40 is amongst the best of the industry. EG7 outperforms 92.50% 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 85.00% 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 has a Debt to Equity ratio of 0.11. This is amongst the best in the industry. EG7 outperforms 97.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.13 | ||
| Altman-Z | 1.4 |
ROIC/WACC0.59
WACC7.28%
2.3 Liquidity
A Current Ratio of 0.67 indicates that EG7 may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.67, EG7 is in the better half of the industry, outperforming 77.50% of the companies in the same industry.
EG7 has a Quick 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 Quick ratio (0.67) than 77.50% of its industry peers.
| 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.
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%.
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
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.
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
A Price/Earnings ratio of 9.52 indicates a reasonable valuation of EG7.
EG7's Price/Earnings ratio is rather cheap when compared to the industry. EG7 is cheaper than 90.00% of the companies in the same industry.
EG7 is valuated cheaply when we compare the Price/Earnings ratio to 27.86, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.76, the valuation of EG7 can be described as reasonable.
EG7's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.32, EG7 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.52 | ||
| Fwd PE | 9.76 |
4.2 Price Multiples
EG7's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. EG7 is cheaper than 82.50% 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 | 12.17 | ||
| EV/EBITDA | 6.11 |
4.3 Compensation for Growth
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-9.31%
EPS Next 3Y-5.38%
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 4.55. EG7 pays more dividend than 100.00% of the companies in the same industry.
EG7's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| 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.
EG7's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP134.87%
EPS Next 2Y-9.31%
EPS Next 3Y-5.38%
DUB:EG7 (10/3/2025, 7:00:00 PM)
13.9
-0.1 (-0.71%)
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 Cap571.15M
Analysts80
Price Target16.63 (19.64%)
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)4.49%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
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 | 9.52 | ||
| Fwd PE | 9.76 | ||
| P/S | 1.09 | ||
| P/FCF | 12.17 | ||
| P/OCF | 9.1 | ||
| P/B | 1.22 | ||
| P/tB | 1.32 | ||
| EV/EBITDA | 6.11 |
EPS(TTM)1.46
EY10.5%
EPS(NY)1.42
Fwd EY10.25%
FCF(TTM)1.14
FCFY8.22%
OCF(TTM)1.53
OCFY10.99%
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 | 1.4 |
F-Score5
WACC7.28%
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%