BANK OF IRELAND GROUP PLC (BIRG.I) Stock Fundamental Analysis
Europe - Euronext Dublin - DUB:BIRG - IE00BD1RP616 - Common Stock
15.715 EUR
-0.45 (-2.75%)
Overall BIRG gets a fundamental rating of 4 out of 10. We evaluated BIRG against 106 industry peers in the Banks industry. BIRG has a bad profitability rating. Also its financial health evaluation is rather negative. BIRG has a decent growth rate and is not valued too expensively.
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.
BIRG had positive earnings in 4 of the past 5 years.
Of the past 5 years BIRG 4 years had a positive operating cash flow.
1.2 Ratios
BIRG has a Return On Assets of 0.73%. This is comparable to the rest of the industry: BIRG outperforms 46.90% of its industry peers.
The Return On Equity of BIRG (9.07%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 9.07% | ||
| 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
The Profit Margin of BIRG (20.06%) is worse than 62.83% of 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) | 20.06% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.22%
PM growth 5Y20.32%
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.
BIRG has less shares outstanding than it did 5 years ago.
BIRG has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of BIRG is 5.36, which is a neutral value as it means it would take BIRG, 5.36 years of fcf income to pay off all of its debts.
BIRG's Debt to FCF ratio of 5.36 is amongst the best of the industry. BIRG outperforms 86.73% of its industry peers.
BIRG has a Debt/Equity ratio of 0.79. This is a neutral value indicating BIRG is somewhat dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.79, BIRG belongs to the best of the industry, outperforming 81.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 5.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.98%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BIRG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.17%.
BIRG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.37% yearly.
Looking at the last year, BIRG shows a very negative growth in Revenue. The Revenue has decreased by -13.41% in the last year.
BIRG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.39% yearly.
EPS 1Y (TTM)-4.17%
EPS 3Y21.69%
EPS 5Y26.37%
EPS Q2Q%-21.85%
Revenue 1Y (TTM)-13.41%
Revenue growth 3Y10.55%
Revenue growth 5Y8.39%
Sales Q2Q%-9.16%
3.2 Future
BIRG is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.99% yearly.
Based on estimates for the next years, BIRG will show a small growth in Revenue. The Revenue will grow by 1.68% on average per year.
EPS Next Y-19.6%
EPS Next 2Y-2.44%
EPS Next 3Y3.45%
EPS Next 5Y5.99%
Revenue Next Year-5.38%
Revenue Next 2Y-1.51%
Revenue Next 3Y0.59%
Revenue Next 5Y1.68%
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 10.55, the valuation of BIRG can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of BIRG indicates a somewhat cheap valuation: BIRG is cheaper than 60.18% of the companies listed in the same industry.
BIRG is valuated cheaply when we compare the Price/Earnings ratio to 26.56, which is the current average of the S&P500 Index.
BIRG is valuated reasonably with a Price/Forward Earnings ratio of 9.85.
Based on the Price/Forward Earnings ratio, BIRG is valued a bit cheaper than the industry average as 72.57% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.79, BIRG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.55 | ||
| Fwd PE | 9.85 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BIRG indicates a somewhat cheap valuation: BIRG is cheaper than 70.80% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.81 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.4
EPS Next 2Y-2.44%
EPS Next 3Y3.45%
5. Dividend
5.1 Amount
BIRG has a Yearly Dividend Yield of 2.45%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.33, BIRG is paying slightly less dividend.
BIRG's Dividend Yield is a higher than the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.45% |
5.2 History
The dividend of BIRG is nicely growing with an annual growth rate of 52.32%!
Dividend Growth(5Y)52.32%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
BIRG pays out 52.83% 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.
DP52.83%
EPS Next 2Y-2.44%
EPS Next 3Y3.45%
DUB:BIRG (12/12/2025, 7:00:00 PM)
15.715
-0.45 (-2.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.19%
Inst Owner ChangeN/A
Ins Owners0.05%
Ins Owner ChangeN/A
Market Cap14.97B
Revenue(TTM)5.91B
Net Income(TTM)1.19B
Analysts80
Price Target16.99 (8.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.45% |
Yearly Dividend0.95
Dividend Growth(5Y)52.32%
DP52.83%
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)14.25%
PT rev (3m)19.72%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.21%
EPS NY rev (3m)-0.96%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.31%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.55 | ||
| Fwd PE | 9.85 | ||
| P/S | 2.53 | ||
| P/FCF | 7.81 | ||
| P/OCF | 6.09 | ||
| P/B | 1.15 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.49
EY9.48%
EPS(NY)1.6
Fwd EY10.15%
FCF(TTM)2.01
FCFY12.8%
OCF(TTM)2.58
OCFY16.42%
SpS6.2
BVpS13.71
TBVpS12.07
PEG (NY)N/A
PEG (5Y)0.4
Graham Number21.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 9.07% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.06% | ||
| GM | N/A | ||
| FCFM | 32.44% |
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.22%
PM growth 5Y20.32%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 5.36 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 176.3% | ||
| Cap/Sales | 9.19% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 161.69% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC4.98%
ROIC/WACCN/A
Cap/Depr(3y)157.92%
Cap/Depr(5y)140.81%
Cap/Sales(3y)6.91%
Cap/Sales(5y)6.73%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.17%
EPS 3Y21.69%
EPS 5Y26.37%
EPS Q2Q%-21.85%
EPS Next Y-19.6%
EPS Next 2Y-2.44%
EPS Next 3Y3.45%
EPS Next 5Y5.99%
Revenue 1Y (TTM)-13.41%
Revenue growth 3Y10.55%
Revenue growth 5Y8.39%
Sales Q2Q%-9.16%
Revenue Next Year-5.38%
Revenue Next 2Y-1.51%
Revenue Next 3Y0.59%
Revenue Next 5Y1.68%
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 1Y130.02%
FCF growth 3Y-52.23%
FCF growth 5Y-6.7%
OCF growth 1Y141.29%
OCF growth 3Y-48.88%
OCF growth 5Y-4.38%
BANK OF IRELAND GROUP PLC / BIRG.I FAQ
What is the ChartMill fundamental rating of BANK OF IRELAND GROUP PLC (BIRG.I) stock?
ChartMill assigns a fundamental rating of 3 / 10 to BIRG.I.
Can you provide the valuation status for BANK OF IRELAND GROUP PLC?
ChartMill assigns a valuation rating of 4 / 10 to BANK OF IRELAND GROUP PLC (BIRG.I). This can be considered as Fairly Valued.
How profitable is BANK OF IRELAND GROUP PLC (BIRG.I) stock?
BANK OF IRELAND GROUP PLC (BIRG.I) has a profitability rating of 2 / 10.
What is the financial health of BANK OF IRELAND GROUP PLC (BIRG.I) stock?
The financial health rating of BANK OF IRELAND GROUP PLC (BIRG.I) is 3 / 10.
How sustainable is the dividend of BANK OF IRELAND GROUP PLC (BIRG.I) stock?
The dividend rating of BANK OF IRELAND GROUP PLC (BIRG.I) is 3 / 10 and the dividend payout ratio is 52.83%.