BANK OF IRELAND GROUP PLC (BIRG.DE) Stock Fundamental Analysis
FRA:BIRG - Deutsche Boerse Ag - IE00BD1RP616 - Common Stock - Currency: EUR
Overall BIRG gets a fundamental rating of 3 out of 10. We evaluated BIRG against 99 industry peers in the Banks industry. BIRG may be in some trouble as it scores bad on both profitability and health. BIRG has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
BIRG had positive earnings in the past year.
BIRG had a positive operating cash flow in the past year.
Of the past 5 years BIRG 4 years were profitable.
In multiple years BIRG reported negative operating cash flow during the last 5 years.
1.2 Ratios
BIRG has a Return On Assets of 0.97%. This is in the better half of the industry: BIRG outperforms 66.67% of its industry peers.
The Return On Equity of BIRG (12.20%) is better than 62.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 12.2% | ||
| ROIC | N/A |
ROA(3y)0.79%
ROA(5y)0.48%
ROE(3y)9.95%
ROE(5y)6.08%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BIRG has a Profit Margin (22.55%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of BIRG has grown nicely.
The Operating Margin and Gross Margin are not available for BIRG so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.55% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.35%
PM growth 5Y26.58%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BIRG does not have a ROIC to compare to the WACC, probably because it is not profitable.
BIRG has less shares outstanding than it did 1 year ago.
The number of shares outstanding for BIRG has been reduced compared to 5 years ago.
The debt/assets ratio for BIRG is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of BIRG is 12.02, which is on the high side as it means it would take BIRG, 12.02 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 12.02, BIRG belongs to the top of the industry, outperforming 81.72% of the companies in the same industry.
BIRG has a Debt/Equity ratio of 0.96. This is a neutral value indicating BIRG is somewhat dependend on debt financing.
BIRG has a better Debt to Equity ratio (0.96) than 76.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.96 | ||
| Debt/FCF | 12.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.71%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BIRG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.30%.
Measured over the past years, BIRG shows a very strong growth in Earnings Per Share. The EPS has been growing by 31.62% on average per year.
BIRG shows a small growth in Revenue. In the last year, the Revenue has grown by 6.32%.
The Revenue has been growing slightly by 3.03% on average over the past years.
EPS 1Y (TTM)1.3%
EPS 3Y16.04%
EPS 5Y31.62%
EPS Q2Q%-7.41%
Revenue 1Y (TTM)6.32%
Revenue growth 3Y2.48%
Revenue growth 5Y3.03%
Sales Q2Q%48.55%
3.2 Future
The Earnings Per Share is expected to grow by 3.72% on average over the next years.
The Revenue is expected to decrease by -0.54% on average over the next years.
EPS Next Y-14.17%
EPS Next 2Y-4.52%
EPS Next 3Y3.72%
EPS Next 5YN/A
Revenue Next Year-5.88%
Revenue Next 2Y-2.36%
Revenue Next 3Y-0.54%
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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 8.61, the valuation of BIRG can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as BIRG.
When comparing the Price/Earnings ratio of BIRG to the average of the S&P500 Index (29.35), we can say BIRG is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.72, the valuation of BIRG can be described as reasonable.
Based on the Price/Forward Earnings ratio, BIRG is valued a bit cheaper than the industry average as 72.04% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, BIRG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.61 | ||
| Fwd PE | 8.72 |
4.2 Price Multiples
76.34% of the companies in the same industry are more expensive than BIRG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.27
EPS Next 2Y-4.52%
EPS Next 3Y3.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.45%, BIRG has a reasonable but not impressive dividend return.
With a Dividend Yield of 2.45, BIRG pays less dividend than the industry average, which is at 5.06. 89.25% of the companies listed in the same industry pay a better dividend than BIRG!
BIRG's Dividend Yield is comparable with the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.45% |
5.2 History
On average, the dividend of BIRG grows each year by 49.04%, which is quite nice.
Dividend Growth(5Y)49.04%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
BIRG pays out 40.38% of its income as dividend. This is a bit on the high side, but may be sustainable.
BIRG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP40.38%
EPS Next 2Y-4.52%
EPS Next 3Y3.72%
FRA:BIRG (3/7/2025, 7:00:00 PM)
12.23
-0.21 (-1.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners60.6%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap12.25B
Analysts74
Price Target12.47 (1.96%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.45% |
Yearly Dividend0.21
Dividend Growth(5Y)49.04%
DP40.38%
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)5.13%
PT rev (3m)9.68%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.97%
EPS NY rev (3m)-2.31%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)-2.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.61 | ||
| Fwd PE | 8.72 | ||
| P/S | 1.8 | ||
| P/FCF | 12.17 | ||
| P/OCF | 8.38 | ||
| P/B | 0.97 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.42
EY11.61%
EPS(NY)1.4
Fwd EY11.47%
FCF(TTM)1
FCFY8.21%
OCF(TTM)1.46
OCFY11.93%
SpS6.81
BVpS12.59
TBVpS11.1
PEG (NY)N/A
PEG (5Y)0.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 12.2% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.55% | ||
| GM | N/A | ||
| FCFM | 14.75% |
ROA(3y)0.79%
ROA(5y)0.48%
ROE(3y)9.95%
ROE(5y)6.08%
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 3Y11.35%
PM growth 5Y26.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.96 | ||
| Debt/FCF | 12.02 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 151.16% | ||
| Cap/Sales | 6.67% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 65.41% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC4.71%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1.3%
EPS 3Y16.04%
EPS 5Y31.62%
EPS Q2Q%-7.41%
EPS Next Y-14.17%
EPS Next 2Y-4.52%
EPS Next 3Y3.72%
EPS Next 5YN/A
Revenue 1Y (TTM)6.32%
Revenue growth 3Y2.48%
Revenue growth 5Y3.03%
Sales Q2Q%48.55%
Revenue Next Year-5.88%
Revenue Next 2Y-2.36%
Revenue Next 3Y-0.54%
Revenue Next 5YN/A
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 1Y115.76%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y124.53%
OCF growth 3YN/A
OCF growth 5YN/A