FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis
Europe - DUB:EG7 - IE0003290289 - Common Stock
13.75 EUR
-0.15 (-1.08%)
Taking everything into account, EG7 scores 5 out of 10 in our fundamental rating. EG7 was compared to 43 industry peers in the Insurance industry. EG7 has an average financial health and profitability rating. EG7 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year EG7 was profitable.
EG7 had a positive operating cash flow in the past year.
Each year in the past 5 years EG7 has been profitable.
Each year in the past 5 years EG7 had a positive operating cash flow.
1.2 Ratios
EG7 has a better Return On Assets (4.01%) than 95.35% of its industry peers.
Looking at the Return On Equity, with a value of 11.50%, EG7 is doing worse than 62.79% of the companies in the same industry.
EG7 has a better Return On Invested Capital (4.27%) than 93.02% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for EG7 is above the industry average of 2.26%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.01% | ||
| ROE | 11.5% | ||
| ROIC | 4.27% |
ROA(3y)4.7%
ROA(5y)4.1%
ROE(3y)13.6%
ROE(5y)12.43%
ROIC(3y)5.05%
ROIC(5y)4.41%
1.3 Margins
The Profit Margin of EG7 (10.22%) is better than 67.44% of its industry peers.
In the last couple of years the Profit Margin of EG7 has declined.
With a Operating Margin value of 12.25%, EG7 perfoms like the industry average, outperforming 51.16% of the companies in the same industry.
EG7's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.25% | ||
| PM (TTM) | 10.22% | ||
| GM | N/A |
OM growth 3Y-15.36%
OM growth 5Y-8.77%
PM growth 3Y-15.49%
PM growth 5Y-9.99%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EG7 is destroying value.
Compared to 1 year ago, EG7 has about the same amount of shares outstanding.
Compared to 5 years ago, EG7 has more shares outstanding
The debt/assets ratio for EG7 has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.40, we must say that EG7 is in the distress zone and has some risk of bankruptcy.
EG7 has a Altman-Z score of 1.40. This is amongst the best in the industry. EG7 outperforms 95.35% of its industry peers.
The Debt to FCF ratio of EG7 is 1.13, which is an excellent value as it means it would take EG7, only 1.13 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.13, EG7 belongs to the top of the industry, outperforming 83.72% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that EG7 is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.11, EG7 belongs to the best of the industry, outperforming 95.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.13 | ||
| Altman-Z | 1.4 |
ROIC/WACC0.59
WACC7.19%
2.3 Liquidity
A Current Ratio of 0.67 indicates that EG7 may have some problems paying its short term obligations.
EG7 has a Current ratio of 0.67. This is amongst the best in the industry. EG7 outperforms 81.40% of its industry peers.
EG7 has a Quick Ratio of 0.67. This is a bad value and indicates that EG7 is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.67, EG7 belongs to the top of the industry, outperforming 81.40% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.67 | ||
| Quick Ratio | 0.67 |
3. Growth
3.1 Past
EG7 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.35%.
The Earnings Per Share has been decreasing by -7.98% on average over the past years.
The Revenue has grown by 38.29% in the past year. This is a very strong growth!
Measured over the past years, EG7 shows a small growth in Revenue. The Revenue has been growing by 2.89% on average per year.
EPS 1Y (TTM)-17.35%
EPS 3Y-11.93%
EPS 5Y-7.98%
EPS Q2Q%-47.53%
Revenue 1Y (TTM)38.29%
Revenue growth 3Y4.88%
Revenue growth 5Y2.89%
Sales Q2Q%59.09%
3.2 Future
Based on estimates for the next years, EG7 will show a decrease in Earnings Per Share. The EPS will decrease by -5.38% on average per year.
EG7 is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.39% yearly.
EPS Next Y-32.34%
EPS Next 2Y-9.31%
EPS Next 3Y-5.38%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3Y13.39%
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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.42 indicates a reasonable valuation of EG7.
Based on the Price/Earnings ratio, EG7 is valued cheaper than 86.05% of the companies in the same industry.
EG7 is valuated cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.66, the valuation of EG7 can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EG7 indicates a somewhat cheap valuation: EG7 is cheaper than 67.44% of the companies listed in the same industry.
EG7 is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.70, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.42 | ||
| Fwd PE | 9.66 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of EG7 indicates a rather cheap valuation: EG7 is cheaper than 86.05% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EG7 is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.04 | ||
| EV/EBITDA | 6.11 |
4.3 Compensation for Growth
A cheap valuation may be justified as EG7's earnings are expected to decrease with -5.38% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-9.31%
EPS Next 3Y-5.38%
5. Dividend
5.1 Amount
EG7 has a Yearly Dividend Yield of 8.89%, which is a nice return.
EG7's Dividend Yield is rather good when compared to the industry average which is at 4.56. EG7 pays more dividend than 97.67% of the companies in the same industry.
EG7's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.89% |
5.2 History
The dividend of EG7 is nicely growing with an annual growth rate of 31.79%!
Dividend Growth(5Y)31.79%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
134.87% of the earnings are spent on dividend by EG7. This is not a sustainable payout ratio.
The Dividend Rate of EG7 has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP134.87%
EPS Next 2Y-9.31%
EPS Next 3Y-5.38%
DUB:EG7 (9/17/2025, 7:00:00 PM)
13.75
-0.15 (-1.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners13.73%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner ChangeN/A
Market Cap564.99M
Analysts80
Price Target16.63 (20.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.89% |
Yearly Dividend1.47
Dividend Growth(5Y)31.79%
DP134.87%
Div Incr Years0
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)4.49%
PT rev (3m)4.49%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)118.87%
EPS NY rev (3m)118.87%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.42 | ||
| Fwd PE | 9.66 | ||
| P/S | 1.08 | ||
| P/FCF | 12.04 | ||
| P/OCF | 9 | ||
| P/B | 1.21 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | 6.11 |
EPS(TTM)1.46
EY10.62%
EPS(NY)1.42
Fwd EY10.36%
FCF(TTM)1.14
FCFY8.3%
OCF(TTM)1.53
OCFY11.11%
SpS12.79
BVpS11.37
TBVpS10.57
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.01% | ||
| ROE | 11.5% | ||
| ROCE | 4.95% | ||
| ROIC | 4.27% | ||
| ROICexc | 4.75% | ||
| ROICexgc | 5.27% | ||
| OM | 12.25% | ||
| PM (TTM) | 10.22% | ||
| GM | N/A | ||
| FCFM | 8.93% |
ROA(3y)4.7%
ROA(5y)4.1%
ROE(3y)13.6%
ROE(5y)12.43%
ROIC(3y)5.05%
ROIC(5y)4.41%
ROICexc(3y)5.71%
ROICexc(5y)4.97%
ROICexgc(3y)6.43%
ROICexgc(5y)5.76%
ROCE(3y)5.85%
ROCE(5y)5.11%
ROICexcg growth 3Y-9.68%
ROICexcg growth 5Y-6.63%
ROICexc growth 3Y-6.24%
ROICexc growth 5Y-5.3%
OM growth 3Y-15.36%
OM growth 5Y-8.77%
PM growth 3Y-15.49%
PM growth 5Y-9.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.13 | ||
| Debt/EBITDA | 0.66 | ||
| Cap/Depr | 97.25% | ||
| Cap/Sales | 3.02% | ||
| Interest Coverage | 25.76 | ||
| Cash Conversion | 77.8% | ||
| Profit Quality | 87.4% | ||
| Current Ratio | 0.67 | ||
| Quick Ratio | 0.67 | ||
| Altman-Z | 1.4 |
F-Score5
WACC7.19%
ROIC/WACC0.59
Cap/Depr(3y)122.26%
Cap/Depr(5y)102.68%
Cap/Sales(3y)4.77%
Cap/Sales(5y)4.1%
Profit Quality(3y)106.02%
Profit Quality(5y)386.31%
High Growth Momentum
Growth
EPS 1Y (TTM)-17.35%
EPS 3Y-11.93%
EPS 5Y-7.98%
EPS Q2Q%-47.53%
EPS Next Y-32.34%
EPS Next 2Y-9.31%
EPS Next 3Y-5.38%
EPS Next 5YN/A
Revenue 1Y (TTM)38.29%
Revenue growth 3Y4.88%
Revenue growth 5Y2.89%
Sales Q2Q%59.09%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3Y13.39%
Revenue Next 5YN/A
EBIT growth 1Y-17.35%
EBIT growth 3Y-11.23%
EBIT growth 5Y-6.14%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y90.12%
FCF growth 3Y14.76%
FCF growth 5Y11.93%
OCF growth 1Y49.81%
OCF growth 3Y15.78%
OCF growth 5Y12%