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AIB GROUP PLC (A5G.I) Stock Fundamental Analysis

DUB:A5G - Euronext Dublin - IE00BF0L3536 - Common Stock - Currency: EUR

5.705  +0 (+0.09%)

Fundamental Rating

4

A5G gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. A5G has an average financial health and profitability rating. A5G has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

A5G had positive earnings in the past year.
In the past year A5G had a positive cash flow from operations.
A5G had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: A5G reported negative operating cash flow in multiple years.
A5G.I Yearly Net Income VS EBIT VS OCF VS FCFA5G.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 5B 10B 15B

1.2 Ratios

The Return On Assets of A5G (1.61%) is better than 91.58% of its industry peers.
A5G has a better Return On Equity (14.73%) than 78.95% of its industry peers.
Industry RankSector Rank
ROA 1.61%
ROE 14.73%
ROIC N/A
ROA(3y)1.2%
ROA(5y)0.67%
ROE(3y)11.23%
ROE(5y)6.38%
ROIC(3y)N/A
ROIC(5y)N/A
A5G.I Yearly ROA, ROE, ROICA5G.I Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

The Profit Margin of A5G (43.72%) is better than 94.74% of its industry peers.
A5G's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for A5G so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 43.72%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y24.58%
PM growth 5Y31.34%
GM growth 3YN/A
GM growth 5YN/A
A5G.I Yearly Profit, Operating, Gross MarginsA5G.I Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40

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4

2. Health

2.1 Basic Checks

A5G does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for A5G has been reduced compared to 1 year ago.
Compared to 5 years ago, A5G has less shares outstanding
Compared to 1 year ago, A5G has an improved debt to assets ratio.
A5G.I Yearly Shares OutstandingA5G.I Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B
A5G.I Yearly Total Debt VS Total AssetsA5G.I Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B

2.2 Solvency

The Debt to FCF ratio of A5G is 3.44, which is a good value as it means it would take A5G, 3.44 years of fcf income to pay off all of its debts.
A5G has a Debt to FCF ratio of 3.44. This is amongst the best in the industry. A5G outperforms 92.63% of its industry peers.
A Debt/Equity ratio of 0.67 indicates that A5G is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.67, A5G belongs to the top of the industry, outperforming 85.26% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 3.44
Altman-Z N/A
ROIC/WACCN/A
WACC5.58%
A5G.I Yearly LT Debt VS Equity VS FCFA5G.I Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
A5G.I Yearly Current Assets VS Current LiabilitesA5G.I Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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4

3. Growth

3.1 Past

A5G shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.85%, which is quite impressive.
Measured over the past years, A5G shows a very strong growth in Earnings Per Share. The EPS has been growing by 27.13% on average per year.
The Revenue has been growing slightly by 5.18% in the past year.
Measured over the past years, A5G shows a quite strong growth in Revenue. The Revenue has been growing by 12.21% on average per year.
EPS 1Y (TTM)22.85%
EPS 3Y63.19%
EPS 5Y27.13%
EPS Q2Q%14.09%
Revenue 1Y (TTM)5.18%
Revenue growth 3Y26.42%
Revenue growth 5Y12.21%
Sales Q2Q%-3.05%

3.2 Future

A5G is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.80% yearly.
A5G is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.47% yearly.
EPS Next Y-17.31%
EPS Next 2Y-7.79%
EPS Next 3Y-1.8%
EPS Next 5YN/A
Revenue Next Year-9.45%
Revenue Next 2Y-5.37%
Revenue Next 3Y-0.47%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less 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 decreasing.
A5G.I Yearly Revenue VS EstimatesA5G.I Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
A5G.I Yearly EPS VS EstimatesA5G.I Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.2 -0.2 0.4 0.6 0.8

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 6.13, the valuation of A5G can be described as very cheap.
A5G's Price/Earnings ratio is rather cheap when compared to the industry. A5G is cheaper than 87.37% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.79, A5G is valued rather cheaply.
A Price/Forward Earnings ratio of 7.42 indicates a rather cheap valuation of A5G.
A5G's Price/Forward Earnings ratio is rather cheap when compared to the industry. A5G is cheaper than 81.05% of the companies in the same industry.
A5G's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.38.
Industry RankSector Rank
PE 6.13
Fwd PE 7.42
A5G.I Price Earnings VS Forward Price EarningsA5G.I Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

83.16% of the companies in the same industry are more expensive than A5G, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.19
EV/EBITDA N/A
A5G.I Per share dataA5G.I EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.23
EPS Next 2Y-7.79%
EPS Next 3Y-1.8%

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0

5. Dividend

5.1 Amount

A5G does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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AIB GROUP PLC

DUB:A5G (4/25/2025, 7:00:00 PM)

5.705

+0 (+0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-05 2025-03-05/bmo
Earnings (Next)05-01 2025-05-01
Inst Owners52.69%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap13.28B
Analysts71.25
Price Target6.95 (21.82%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.31
Dividend Growth(5Y)13.05%
DP34.12%
Div Incr Years2
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)7.9%
PT rev (3m)11.35%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)6.46%
EPS NY rev (3m)8.36%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 6.13
Fwd PE 7.42
P/S 2.55
P/FCF 4.19
P/OCF 3.88
P/B 0.86
P/tB 0.92
EV/EBITDA N/A
EPS(TTM)0.93
EY16.3%
EPS(NY)0.77
Fwd EY13.48%
FCF(TTM)1.36
FCFY23.85%
OCF(TTM)1.47
OCFY25.78%
SpS2.23
BVpS6.63
TBVpS6.23
PEG (NY)N/A
PEG (5Y)0.23
Profitability
Industry RankSector Rank
ROA 1.61%
ROE 14.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 43.72%
GM N/A
FCFM 60.91%
ROA(3y)1.2%
ROA(5y)0.67%
ROE(3y)11.23%
ROE(5y)6.38%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y24.58%
PM growth 5Y31.34%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 3.44
Debt/EBITDA N/A
Cap/Depr 85.38%
Cap/Sales 4.94%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 139.31%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC5.58%
ROIC/WACCN/A
Cap/Depr(3y)75.72%
Cap/Depr(5y)76.12%
Cap/Sales(3y)5.46%
Cap/Sales(5y)7.08%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.85%
EPS 3Y63.19%
EPS 5Y27.13%
EPS Q2Q%14.09%
EPS Next Y-17.31%
EPS Next 2Y-7.79%
EPS Next 3Y-1.8%
EPS Next 5YN/A
Revenue 1Y (TTM)5.18%
Revenue growth 3Y26.42%
Revenue growth 5Y12.21%
Sales Q2Q%-3.05%
Revenue Next Year-9.45%
Revenue Next 2Y-5.37%
Revenue Next 3Y-0.47%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-51.97%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y393.88%
FCF growth 3Y-38.63%
FCF growth 5Y-3.18%
OCF growth 1Y508.71%
OCF growth 3Y-37.37%
OCF growth 5Y-3.3%