FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis
Europe - Euronext Dublin - DUB:EG7 - IE0003290289 - Common Stock
15.9 EUR
+0.15 (+0.95%)
EG7 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 46 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.
- In the past 5 years EG7 always reported a positive cash flow from operatings.
1.2 Ratios
- EG7 has a Return On Assets of 4.01%. This is amongst the best in the industry. EG7 outperforms 84.78% of its industry peers.
- The Return On Equity of EG7 (11.50%) is worse than 69.57% of its industry peers.
- EG7's Return On Invested Capital of 4.27% is amongst the best of the industry. EG7 outperforms 91.30% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for EG7 is above the industry average of 2.71%.
| 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 63.04% of its industry peers.
- EG7's Profit Margin has declined in the last couple of years.
- EG7 has a Operating Margin of 12.25%. This is comparable to the rest of the industry: EG7 outperforms 50.00% of its industry peers.
- 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
- 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.
- Compared to 1 year ago, EG7 has an improved debt to assets ratio.
2.2 Solvency
- EG7 has an Altman-Z score of 1.45. This is a bad value and indicates that EG7 is not financially healthy and even has some risk of bankruptcy.
- EG7 has a better Altman-Z score (1.45) than 95.65% 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.
- With an excellent Debt to FCF ratio value of 1.13, EG7 belongs to the best of the industry, outperforming 80.43% of the companies in the same industry.
- A Debt/Equity ratio of 0.11 indicates that EG7 is not too dependend on debt financing.
- With an excellent Debt to Equity ratio value of 0.11, EG7 belongs to the best of the industry, outperforming 97.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.13 | ||
| Altman-Z | 1.45 |
ROIC/WACC0.59
WACC7.27%
2.3 Liquidity
- A Current Ratio of 0.67 indicates that EG7 may have some problems paying its short term obligations.
- EG7 has a Current ratio of 0.67. This is in the better half of the industry: EG7 outperforms 78.26% of its industry peers.
- A Quick Ratio of 0.67 indicates that EG7 may have some problems paying its short term obligations.
- EG7 has a better Quick ratio (0.67) than 78.26% 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.
- 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%.
- EG7 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.89% yearly.
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
- Based on estimates for the next years, EG7 will show a decrease in Earnings Per Share. The EPS will decrease by -5.65% on average per year.
- 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-5.65%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 10.89, the valuation of EG7 can be described as very reasonable.
- Based on the Price/Earnings ratio, EG7 is valued a bit cheaper than 76.09% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.33. EG7 is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 11.16, which indicates a very decent valuation of EG7.
- EG7's Price/Forward Earnings ratio is in line with the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 24.12. EG7 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.89 | ||
| Fwd PE | 11.16 |
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 82.61% of the companies listed in the same industry.
- EG7's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.85 | ||
| EV/EBITDA | 7.09 |
4.3 Compensation for Growth
- EG7's earnings are expected to decrease with -5.65% 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-5.65%
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 3.93. EG7 pays more dividend than 97.83% of the companies in the same industry.
- EG7's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
| 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
- 134.87% of the earnings are spent on dividend by EG7. 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-5.65%
DUB:EG7 (1/14/2026, 7:00:00 PM)
15.9
+0.15 (+0.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-08 2025-08-08
Earnings (Next)03-06 2026-03-06
Inst Owners8.33%
Inst Owner ChangeN/A
Ins Owners0.76%
Ins Owner ChangeN/A
Market Cap649.99M
Revenue(TTM)525.45M
Net Income(TTM)53.68M
Analysts80
Price Target16.63 (4.59%)
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 | 10.89 | ||
| Fwd PE | 11.16 | ||
| P/S | 1.24 | ||
| P/FCF | 13.85 | ||
| P/OCF | 10.35 | ||
| P/B | 1.39 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | 7.09 |
EPS(TTM)1.46
EY9.18%
EPS(NY)1.42
Fwd EY8.96%
FCF(TTM)1.15
FCFY7.22%
OCF(TTM)1.54
OCFY9.66%
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 | 1.45 |
F-Score5
WACC7.27%
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 for EG7 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.
What are the PE and PB ratios of FBD HOLDINGS PLC (EG7.I) stock?
The Price/Earnings (PE) ratio for FBD HOLDINGS PLC (EG7.I) is 10.89 and the Price/Book (PB) ratio is 1.39.
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%.