FBD HOLDINGS PLC (EG7.I) Fundamental Analysis & Valuation

DUB:EG7 • IE0003290289

Current stock price

16.3 EUR
+0.1 (+0.62%)
Last:

This EG7.I fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. EG7.I Profitability Analysis

1.1 Basic Checks

  • EG7 had positive earnings in the past year.
  • In the past year EG7 had a positive cash flow from operations.
  • EG7 had positive earnings in each of the past 5 years.
  • Each year in the past 5 years EG7 had a positive operating cash flow.
EG7.I Yearly Net Income VS EBIT VS OCF VS FCFEG7.I Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • The Return On Assets of EG7 (3.42%) is better than 76.32% of its industry peers.
  • EG7 has a Return On Equity of 9.82%. This is in the lower half of the industry: EG7 underperforms 63.16% of its industry peers.
  • With an excellent Return On Invested Capital value of 3.72%, EG7 belongs to the best of the industry, outperforming 81.58% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for EG7 is above the industry average of 2.62%.
Industry RankSector Rank
ROA 3.42%
ROE 9.82%
ROIC 3.72%
ROA(3y)4.46%
ROA(5y)4.72%
ROE(3y)12.67%
ROE(5y)14.17%
ROIC(3y)4.86%
ROIC(5y)5.09%
EG7.I Yearly ROA, ROE, ROICEG7.I Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • The Profit Margin of EG7 (8.66%) is comparable to the rest of the industry.
  • EG7's Profit Margin has improved in the last couple of years.
  • EG7 has a Operating Margin of 10.48%. This is comparable to the rest of the industry: EG7 outperforms 42.11% of its industry peers.
  • EG7's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 10.48%
PM (TTM) 8.66%
GM N/A
OM growth 3Y-21.42%
OM growth 5Y30.81%
PM growth 3Y-21.78%
PM growth 5Y45.89%
GM growth 3YN/A
GM growth 5YN/A
EG7.I Yearly Profit, Operating, Gross MarginsEG7.I Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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5

2. EG7.I Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EG7 is destroying value.
  • The number of shares outstanding for EG7 remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, EG7 has more shares outstanding
  • EG7 has a worse debt/assets ratio than last year.
EG7.I Yearly Shares OutstandingEG7.I Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
EG7.I Yearly Total Debt VS Total AssetsEG7.I Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • EG7 has an Altman-Z score of 1.42. This is a bad value and indicates that EG7 is not financially healthy and even has some risk of bankruptcy.
  • EG7 has a Altman-Z score of 1.42. This is amongst the best in the industry. EG7 outperforms 97.37% of its industry peers.
  • EG7 has a debt to FCF ratio of 1.11. This is a very positive value and a sign of high solvency as it would only need 1.11 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.11, EG7 belongs to the top of the industry, outperforming 86.84% of the companies in the same industry.
  • EG7 has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
  • EG7 has a Debt to Equity ratio of 0.11. This is amongst the best in the industry. EG7 outperforms 97.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.11
Altman-Z 1.42
ROIC/WACC0.5
WACC7.41%
EG7.I Yearly LT Debt VS Equity VS FCFEG7.I Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.3 Liquidity

  • EG7 has a Current Ratio of 0.57. This is a bad value and indicates that EG7 is not financially healthy enough and could expect problems in meeting its short term obligations.
  • EG7's Current ratio of 0.57 is fine compared to the rest of the industry. EG7 outperforms 73.68% of its industry peers.
  • A Quick Ratio of 0.57 indicates that EG7 may have some problems paying its short term obligations.
  • EG7 has a Quick ratio of 0.57. This is in the better half of the industry: EG7 outperforms 73.68% of its industry peers.
Industry RankSector Rank
Current Ratio 0.57
Quick Ratio 0.57
EG7.I Yearly Current Assets VS Current LiabilitesEG7.I Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. EG7.I Growth Analysis

3.1 Past

  • EG7 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -30.42%.
  • EG7 shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 59.57% yearly.
  • Looking at the last year, EG7 shows a very strong growth in Revenue. The Revenue has grown by 31.05%.
  • The Revenue has been growing by 10.08% on average over the past years. This is quite good.
EPS 1Y (TTM)-30.42%
EPS 3Y-6.98%
EPS 5Y59.57%
EPS Q2Q%-18.05%
Revenue 1Y (TTM)31.05%
Revenue growth 3Y19.4%
Revenue growth 5Y10.08%
Sales Q2Q%7.13%

3.2 Future

  • Based on estimates for the next years, EG7 will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.62% on average per year.
  • The Revenue is expected to grow by 0.61% on average over the next years.
EPS Next Y26.72%
EPS Next 2Y15.59%
EPS Next 3Y11.62%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2Y-2.32%
Revenue Next 3Y0.61%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
EG7.I Yearly Revenue VS EstimatesEG7.I Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2027 2028 100M 200M 300M 400M 500M
EG7.I Yearly EPS VS EstimatesEG7.I Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 1 -1 2 -2

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6

4. EG7.I Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.83, EG7 is valued correctly.
  • EG7's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of EG7 to the average of the S&P500 Index (27.15), we can say EG7 is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.98, the valuation of EG7 can be described as very reasonable.
  • EG7's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 22.12. EG7 is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.83
Fwd PE 10.98
EG7.I Price Earnings VS Forward Price EarningsEG7.I Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, EG7 is valued cheaper than 86.84% of the companies in the same industry.
  • EG7's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 13.91
EV/EBITDA 7.43
EG7.I Per share dataEG7.I EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of EG7 may justify a higher PE ratio.
PEG (NY)0.48
PEG (5Y)0.22
EPS Next 2Y15.59%
EPS Next 3Y11.62%

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5

5. EG7.I Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 8.89%, EG7 is a good candidate for dividend investing.
  • EG7's Dividend Yield is rather good when compared to the industry average which is at 4.46. EG7 pays more dividend than 100.00% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, EG7 pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.89%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
EG7.I Yearly Dividends per shareEG7.I Yearly Dividends per shareYearly Dividends per share 2019 2020 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 135.82% of the earnings are spent on dividend by EG7. This is not a sustainable payout ratio.
DP135.82%
EPS Next 2Y15.59%
EPS Next 3Y11.62%
EG7.I Yearly Income VS Free CF VS DividendEG7.I Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
EG7.I Dividend Payout.EG7.I Dividend Payout, showing the Payout Ratio.EG7.I Dividend Payout.PayoutRetained Earnings

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EG7.I Fundamentals: All Metrics, Ratios and Statistics

FBD HOLDINGS PLC

DUB:EG7 (4/28/2026, 5:12:33 PM)

16.3

+0.1 (+0.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-06
Earnings (Next)08-07
Inst Owners8.35%
Inst Owner ChangeN/A
Ins Owners0.64%
Ins Owner ChangeN/A
Market Cap665.37M
Revenue(TTM)541.35M
Net Income(TTM)46.88M
Analysts80
Price Target18.97 (16.38%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.89%
Yearly Dividend1.3
Dividend Growth(5Y)N/A
DP135.82%
Div Incr Years0
Div Non Decr Years0
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)14.11%
PT rev (3m)14.11%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.26%
EPS NY rev (3m)4.26%
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 RankSector Rank
PE 12.83
Fwd PE 10.98
P/S 1.23
P/FCF 13.91
P/OCF 10.12
P/B 1.39
P/tB 1.53
EV/EBITDA 7.43
EPS(TTM)1.27
EY7.79%
EPS(NY)1.48
Fwd EY9.11%
FCF(TTM)1.17
FCFY7.19%
OCF(TTM)1.61
OCFY9.88%
SpS13.26
BVpS11.69
TBVpS10.64
PEG (NY)0.48
PEG (5Y)0.22
Graham Number18.2786 (12.14%)
Profitability
Industry RankSector Rank
ROA 3.42%
ROE 9.82%
ROCE 4.26%
ROIC 3.72%
ROICexc 4.26%
ROICexgc 4.78%
OM 10.48%
PM (TTM) 8.66%
GM N/A
FCFM 8.84%
ROA(3y)4.46%
ROA(5y)4.72%
ROE(3y)12.67%
ROE(5y)14.17%
ROIC(3y)4.86%
ROIC(5y)5.09%
ROICexc(3y)5.5%
ROICexc(5y)5.75%
ROICexgc(3y)6.14%
ROICexgc(5y)6.63%
ROCE(3y)5.58%
ROCE(5y)5.84%
ROICexgc growth 3Y-6.54%
ROICexgc growth 5Y46.78%
ROICexc growth 3Y-5.55%
ROICexc growth 5Y47.87%
OM growth 3Y-21.42%
OM growth 5Y30.81%
PM growth 3Y-21.78%
PM growth 5Y45.89%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.4
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.11
Debt/EBITDA 0.73
Cap/Depr 107.76%
Cap/Sales 3.3%
Interest Coverage 22.69
Cash Conversion 89.64%
Profit Quality 102.06%
Current Ratio 0.57
Quick Ratio 0.57
Altman-Z 1.42
F-Score6
WACC7.41%
ROIC/WACC0.5
Cap/Depr(3y)127.67%
Cap/Depr(5y)106.99%
Cap/Sales(3y)4.52%
Cap/Sales(5y)4.15%
Profit Quality(3y)88.08%
Profit Quality(5y)92.94%
High Growth Momentum
Growth
EPS 1Y (TTM)-30.42%
EPS 3Y-6.98%
EPS 5Y59.57%
EPS Q2Q%-18.05%
EPS Next Y26.72%
EPS Next 2Y15.59%
EPS Next 3Y11.62%
EPS Next 5YN/A
Revenue 1Y (TTM)31.05%
Revenue growth 3Y19.4%
Revenue growth 5Y10.08%
Sales Q2Q%7.13%
Revenue Next YearN/A
Revenue Next 2Y-2.32%
Revenue Next 3Y0.61%
Revenue Next 5YN/A
EBIT growth 1Y-28.67%
EBIT growth 3Y-6.18%
EBIT growth 5Y43.99%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-26.11%
FCF growth 3Y-18.91%
FCF growth 5Y-7.03%
OCF growth 1Y-21.88%
OCF growth 3Y-13.79%
OCF growth 5Y-3.64%

FBD HOLDINGS PLC / EG7.I Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FBD HOLDINGS PLC?

ChartMill assigns a fundamental rating of 5 / 10 to EG7.I.


Can you provide the valuation status for FBD HOLDINGS PLC?

ChartMill assigns a valuation rating of 6 / 10 to FBD HOLDINGS PLC (EG7.I). This can be considered as Fairly Valued.


Can you provide the profitability details for FBD HOLDINGS PLC?

FBD HOLDINGS PLC (EG7.I) has a profitability rating of 6 / 10.


How financially healthy is FBD HOLDINGS PLC?

The financial health rating of FBD HOLDINGS PLC (EG7.I) is 5 / 10.


How sustainable is the dividend of FBD HOLDINGS PLC (EG7.I) stock?

The dividend rating of FBD HOLDINGS PLC (EG7.I) is 5 / 10 and the dividend payout ratio is 135.82%.