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AIB GROUP PLC (A5G.I) Stock Fundamental Analysis

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

6.99  +0.07 (+1.01%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to A5G. A5G was compared to 99 industry peers in the Banks industry. There are concerns on the financial health of A5G while its profitability can be described as average. 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 0 5B 10B 15B

1.2 Ratios

A5G has a Return On Assets of 1.64%. This is amongst the best in the industry. A5G outperforms 92.47% of its industry peers.
Looking at the Return On Equity, with a value of 15.74%, A5G is in the better half of the industry, outperforming 79.57% of the companies in the same industry.
Industry RankSector Rank
ROA 1.64%
ROE 15.74%
ROIC N/A
ROA(3y)0.82%
ROA(5y)0.41%
ROE(3y)7.74%
ROE(5y)3.91%
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 0 5 -5 10

1.3 Margins

A5G has a better Profit Margin (42.88%) than 92.47% 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) 42.88%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y2.4%
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 0 20 -20 40

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3

2. Health

2.1 Basic Checks

A5G does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, A5G has less shares outstanding
A5G has less shares outstanding than it did 5 years ago.
A5G has a worse debt/assets ratio than last year.
A5G.I Yearly Shares OutstandingA5G.I Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 20B 40B 60B 80B 100B

2.2 Solvency

The Debt to FCF ratio of A5G is 7.54, which is on the high side as it means it would take A5G, 7.54 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 7.54, A5G belongs to the best of the industry, outperforming 87.10% of the companies in the same industry.
A5G has a Debt/Equity ratio of 0.77. This is a neutral value indicating A5G is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.77, A5G is doing good in the industry, outperforming 79.57% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 7.54
Altman-Z N/A
ROIC/WACCN/A
WACC5.29%
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 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 2B 4B 6B 8B 10B

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6

3. Growth

3.1 Past

A5G shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 114.07%, which is quite impressive.
A5G shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.18% yearly.
A5G shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.87%.
A5G shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.94% yearly.
EPS 1Y (TTM)114.07%
EPS 3YN/A
EPS 5Y14.18%
EPS Q2Q%35.48%
Revenue 1Y (TTM)28.87%
Revenue growth 3Y23.78%
Revenue growth 5Y10.94%
Sales Q2Q%12.88%

3.2 Future

The Earnings Per Share is expected to grow by 8.64% on average over the next years. This is quite good.
A5G is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.51% yearly.
EPS Next Y12.48%
EPS Next 2Y-2.31%
EPS Next 3Y-1.12%
EPS Next 5Y8.64%
Revenue Next Year3.51%
Revenue Next 2Y-3.19%
Revenue Next 3Y-2.5%
Revenue Next 5Y0.51%

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
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 1

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6

4. Valuation

4.1 Price/Earnings Ratio

A5G is valuated reasonably with a Price/Earnings ratio of 8.03.
70.97% of the companies in the same industry are more expensive than A5G, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of A5G to the average of the S&P500 Index (29.35), we can say A5G is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.68, the valuation of A5G can be described as reasonable.
A5G's Price/Forward Earnings is on the same level as the industry average.
A5G is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.03
Fwd PE 9.68
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

78.49% 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 11.13
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

A5G's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.64
PEG (5Y)0.57
EPS Next 2Y-2.31%
EPS Next 3Y-1.12%

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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 (3/7/2025, 7:00:00 PM)

6.99

+0.07 (+1.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-05 2025-03-05/amc
Earnings (Next)05-01 2025-05-01
Inst Owners52.69%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap16.28B
Analysts72.5
Price Target6.44 (-7.87%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.09
Dividend Growth(5Y)-8.19%
DP33.88%
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)0.86%
PT rev (3m)4.25%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.06%
EPS NY rev (3m)3.29%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)1.82%
Valuation
Industry RankSector Rank
PE 8.03
Fwd PE 9.68
P/S 3.1
P/FCF 11.13
P/OCF 9.5
P/B 1.14
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)0.87
EY12.45%
EPS(NY)0.72
Fwd EY10.33%
FCF(TTM)0.63
FCFY8.98%
OCF(TTM)0.74
OCFY10.52%
SpS2.25
BVpS6.14
TBVpS5.75
PEG (NY)0.64
PEG (5Y)0.57
Profitability
Industry RankSector Rank
ROA 1.64%
ROE 15.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 42.88%
GM N/A
FCFM 27.87%
ROA(3y)0.82%
ROA(5y)0.41%
ROE(3y)7.74%
ROE(5y)3.91%
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 3YN/A
PM growth 5Y2.4%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 7.54
Debt/EBITDA N/A
Cap/Depr 84.51%
Cap/Sales 4.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 65.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC5.29%
ROIC/WACCN/A
Cap/Depr(3y)71.21%
Cap/Depr(5y)85.71%
Cap/Sales(3y)6.86%
Cap/Sales(5y)8.34%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)114.07%
EPS 3YN/A
EPS 5Y14.18%
EPS Q2Q%35.48%
EPS Next Y12.48%
EPS Next 2Y-2.31%
EPS Next 3Y-1.12%
EPS Next 5Y8.64%
Revenue 1Y (TTM)28.87%
Revenue growth 3Y23.78%
Revenue growth 5Y10.94%
Sales Q2Q%12.88%
Revenue Next Year3.51%
Revenue Next 2Y-3.19%
Revenue Next 3Y-2.5%
Revenue Next 5Y0.51%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-75.97%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-72.81%
OCF growth 3YN/A
OCF growth 5YN/A