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FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis

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

13.55  0 (0%)

Fundamental Rating

5

EG7 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 959 industry peers in the Insurance industry. EG7 has only an average score on both its financial health and profitability. EG7 has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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6

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.
In the past 5 years EG7 has always been profitable.
EG7 had a positive operating cash flow in each of the past 5 years.
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's Return On Assets of 4.90% is amongst the best of the industry. EG7 outperforms 97.37% of its industry peers.
EG7 has a Return On Equity (13.77%) which is comparable to the rest of the industry.
EG7's Return On Invested Capital of 5.19% is amongst the best of the industry. EG7 outperforms 94.74% of its industry peers.
The Average Return On Invested Capital over the past 3 years for EG7 is significantly below the industry average of 11.64%.
The last Return On Invested Capital (5.19%) for EG7 is above the 3 year average (5.05%), which is a sign of increasing profitability.
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

EG7 has a better Profit Margin (16.20%) than 92.11% of its industry peers.
EG7's Profit Margin has declined in the last couple of years.
EG7's Operating Margin of 19.25% is amongst the best of the industry. EG7 outperforms 81.58% of its industry peers.
EG7's Operating Margin has declined in the last couple of years.
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.
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.
The debt/assets ratio for EG7 has been reduced compared to a year ago.
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.
EG7 has a better Debt to FCF ratio (0.82) than 89.47% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that EG7 is not too dependend on debt financing.
EG7 has a better Debt to Equity ratio (0.11) than 94.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.82
Altman-Z N/A
ROIC/WACC0.61
WACC8.52%
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.
The Earnings Per Share has been decreasing by -7.98% on average over the past years.
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

Based on estimates for the next years, EG7 will show a decrease in Earnings Per Share. The EPS will decrease by -5.38% on average per year.
The Revenue is expected to grow by 13.39% on average over the next years. This is quite good.
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

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.
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

A Price/Earnings ratio of 7.40 indicates a rather cheap valuation of EG7.
Based on the Price/Earnings ratio, EG7 is valued cheaper than 97.37% of the companies in the same industry.
When comparing the Price/Earnings ratio of EG7 to the average of the S&P500 Index (26.52), we can say EG7 is valued rather cheaply.
The Price/Forward Earnings ratio is 25.31, which means the current valuation is very expensive for EG7.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EG7 indicates a rather expensive valuation: EG7 more expensive than 89.47% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.25. EG7 is around the same levels.
Industry RankSector Rank
PE 7.4
Fwd PE 25.31
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

Based on the Enterprise Value to EBITDA ratio, EG7 is valued cheaper than 94.74% 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 8.6
EV/EBITDA 4.78
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

The decent profitability rating of EG7 may justify a higher PE ratio.
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-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 2.85. EG7 pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, 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 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

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 (6/6/2025, 7:00:00 PM)

13.55

0 (0%)

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 Cap556.77M
Analysts80
Price Target15.81 (16.68%)
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 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 7.4
Fwd PE 25.31
P/S 1.35
P/FCF 8.6
P/OCF 6.62
P/B 1.15
P/tB 1.24
EV/EBITDA 4.78
EPS(TTM)1.83
EY13.51%
EPS(NY)0.54
Fwd EY3.95%
FCF(TTM)1.58
FCFY11.63%
OCF(TTM)2.05
OCFY15.11%
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
WACC8.52%
ROIC/WACC0.61
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%