BANK OF IRELAND GROUP PLC (BIRG.I) Stock Fundamental Analysis
DUB:BIRG - Euronext Dublin - 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. Both the profitability and financial health of BIRG have multiple concerns. BIRG has a valuation in line with the averages, but on the other hand it scores bad on growth.
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.
The reported operating cash flow has been mixed in the past 5 years: BIRG reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of BIRG (0.97%) is better than 67.74% of its industry peers.
BIRG has a Return On Equity of 12.20%. This is in the better half of the industry: BIRG outperforms 63.44% 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 in line with its industry peers.
BIRG's Profit Margin has improved in the last couple of years.
BIRG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
Compared to 1 year ago, BIRG has less shares outstanding
The number of shares outstanding for BIRG has been reduced compared to 5 years ago.
BIRG has a worse debt/assets ratio than last year.
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.
BIRG has a better Debt to FCF ratio (12.02) than 82.80% of its industry peers.
BIRG has a Debt/Equity ratio of 0.96. This is a neutral value indicating BIRG is somewhat dependend on debt financing.
BIRG's Debt to Equity ratio of 0.96 is fine compared to the rest of the industry. BIRG outperforms 77.42% 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.
The Revenue has been growing slightly by 6.32% in the past year.
Measured over the past years, BIRG shows a small growth in Revenue. The Revenue has been growing by 3.03% on average per year.
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
Based on estimates for the next years, BIRG will show a small growth in Earnings Per Share. The EPS will grow by 3.72% on average per year.
Based on estimates for the next years, BIRG will show a decrease in Revenue. The Revenue will decrease by -0.54% on average per year.
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.60, the valuation of BIRG can be described as reasonable.
BIRG's Price/Earnings ratio is in line with the industry average.
BIRG is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.70, which indicates a very decent valuation of BIRG.
BIRG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BIRG is cheaper than 75.27% of the companies in the same industry.
BIRG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.6 | ||
| Fwd PE | 8.7 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BIRG is valued a bit cheaper than the industry average as 77.42% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.15 | ||
| 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. 88.17% 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
The dividend of BIRG is nicely growing with an annual growth rate of 49.04%!
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.
The dividend of BIRG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP40.38%
EPS Next 2Y-4.52%
EPS Next 3Y3.72%
DUB:BIRG (3/7/2025, 7:00:00 PM)
12.21
-0.23 (-1.89%)
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 Cap12.23B
Analysts74
Price Target12.38 (1.39%)
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)4.78%
PT rev (3m)8.91%
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 | 8.6 | ||
| Fwd PE | 8.7 | ||
| P/S | 1.79 | ||
| P/FCF | 12.15 | ||
| P/OCF | 8.37 | ||
| P/B | 0.97 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.42
EY11.63%
EPS(NY)1.4
Fwd EY11.49%
FCF(TTM)1
FCFY8.23%
OCF(TTM)1.46
OCFY11.95%
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