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FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis

DUB:EG7 - Euronext Dublin - IE0003290289 - Common Stock - Currency: EUR

13.7  -0.1 (-0.72%)

Fundamental Rating

5

Taking everything into account, EG7 scores 5 out of 10 in our fundamental rating. EG7 was compared to 38 industry peers in the Insurance industry. While EG7 has a great profitability rating, there are some minor concerns on its financial health. EG7 has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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7

1. Profitability

1.1 Basic Checks

In the past year EG7 was profitable.
In the past year EG7 had a positive cash flow from operations.
EG7 had positive earnings in each of the past 5 years.
EG7 had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

1.2 Ratios

With an excellent Return On Assets value of 4.90%, EG7 belongs to the best of the industry, outperforming 97.37% of the companies in the same industry.
EG7 has a Return On Equity (13.77%) which is in line with its industry peers.
Looking at the Return On Invested Capital, with a value of 5.19%, EG7 belongs to the top of the industry, outperforming 94.74% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for EG7 is above the industry average of 2.06%.
The last Return On Invested Capital (5.19%) for EG7 is above the 3 year average (5.05%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.9%
ROE 13.77%
ROIC 5.19%
ROA(3y)4.7%
ROA(5y)4.1%
ROE(3y)13.6%
ROE(5y)12.43%
ROIC(3y)5.05%
ROIC(5y)4.41%
EG7.I Yearly ROA, ROE, ROICEG7.I Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 -30

1.3 Margins

Looking at the Profit Margin, with a value of 16.20%, EG7 belongs to the top of the industry, outperforming 92.11% of the companies in the same industry.
In the last couple of years the Profit Margin of EG7 has declined.
EG7's Operating Margin of 19.25% is amongst the best of the industry. EG7 outperforms 81.58% of its industry peers.
In the last couple of years the Operating Margin of EG7 has declined.
Industry RankSector Rank
OM 19.25%
PM (TTM) 16.2%
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
EG7.I Yearly Profit, Operating, Gross MarginsEG7.I Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 30

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4

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so EG7 is destroying value.
The number of shares outstanding for EG7 remains at a similar level compared to 1 year ago.
The number of shares outstanding for EG7 has been increased compared to 5 years ago.
The debt/assets ratio for EG7 has been reduced compared to a year ago.
EG7.I Yearly Shares OutstandingEG7.I Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
EG7.I Yearly Total Debt VS Total AssetsEG7.I Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

EG7 has a debt to FCF ratio of 0.82. This is a very positive value and a sign of high solvency as it would only need 0.82 years to pay back of all of its debts.
The Debt to FCF ratio of EG7 (0.82) is better than 89.47% of its industry peers.
EG7 has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.11, EG7 belongs to the top of the industry, outperforming 94.74% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.82
Altman-Z N/A
ROIC/WACC0.72
WACC7.23%
EG7.I Yearly LT Debt VS Equity VS FCFEG7.I Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EG7.I Yearly Current Assets VS Current LiabilitesEG7.I Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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4

3. Growth

3.1 Past

EG7 shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.45%.
EG7 shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.98% yearly.
The Revenue has grown by 16.35% in the past year. This is quite good.
EG7 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.89% yearly.
EPS 1Y (TTM)-3.45%
EPS 3Y-11.93%
EPS 5Y-7.98%
EPS Q2Q%5.72%
Revenue 1Y (TTM)16.35%
Revenue growth 3Y4.88%
Revenue growth 5Y2.89%
Sales Q2Q%17.45%

3.2 Future

EG7 is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.38% yearly.
Based on estimates for the next years, EG7 will show a quite strong growth in Revenue. The Revenue will grow by 13.39% on average per year.
EPS Next Y-69.09%
EPS Next 2Y-13.26%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
EG7.I Yearly Revenue VS EstimatesEG7.I Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2027 100M 200M 300M 400M 500M
EG7.I Yearly EPS VS EstimatesEG7.I Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2 -2

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5

4. Valuation

4.1 Price/Earnings Ratio

EG7 is valuated cheaply with a Price/Earnings ratio of 7.49.
Compared to the rest of the industry, the Price/Earnings ratio of EG7 indicates a rather cheap valuation: EG7 is cheaper than 97.37% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.30. EG7 is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 25.59 indicates a quite expensive valuation of EG7.
92.11% of the companies in the same industry are cheaper than EG7, based on the Price/Forward Earnings ratio.
EG7's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 21.76.
Industry RankSector Rank
PE 7.49
Fwd PE 25.59
EG7.I Price Earnings VS Forward Price EarningsEG7.I Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

EG7's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. EG7 is cheaper than 97.37% of the companies in the same industry.
EG7's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 8.69
EV/EBITDA 4.89
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 decent profitability rating of EG7 may justify a higher PE ratio.
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-13.26%
EPS Next 3Y-5.38%

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6

5. Dividend

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 4.58. EG7 pays more dividend than 100.00% of the companies in the same industry.
EG7's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
Industry RankSector 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
EG7.I Yearly Dividends per shareEG7.I Yearly Dividends per shareYearly Dividends per share 2019 2020 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

EG7 pays out 107.71% of its income as dividend. 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.
DP107.71%
EPS Next 2Y-13.26%
EPS Next 3Y-5.38%
EG7.I Yearly Income VS Free CF VS DividendEG7.I Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M
EG7.I Dividend Payout.EG7.I Dividend Payout, showing the Payout Ratio.EG7.I Dividend Payout.PayoutRetained Earnings

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FBD HOLDINGS PLC

DUB:EG7 (7/11/2025, 7:00:00 PM)

13.7

-0.1 (-0.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-07 2025-03-07/amc
Earnings (Next)08-07 2025-08-07
Inst Owners13.73%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner ChangeN/A
Market Cap562.93M
Analysts80
Price Target15.91 (16.13%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.89%
Yearly Dividend1.47
Dividend Growth(5Y)31.79%
DP107.71%
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)0.65%
PT rev (3m)0.65%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
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 7.49
Fwd PE 25.59
P/S 1.36
P/FCF 8.69
P/OCF 6.69
P/B 1.16
P/tB 1.25
EV/EBITDA 4.89
EPS(TTM)1.83
EY13.36%
EPS(NY)0.54
Fwd EY3.91%
FCF(TTM)1.58
FCFY11.5%
OCF(TTM)2.05
OCFY14.94%
SpS10.05
BVpS11.83
TBVpS10.94
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 4.9%
ROE 13.77%
ROCE 6.02%
ROIC 5.19%
ROICexc 5.87%
ROICexgc 6.58%
OM 19.25%
PM (TTM) 16.2%
GM N/A
FCFM 15.68%
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)6.49%
ROICexgc(5y)5.8%
ROCE(3y)5.85%
ROCE(5y)5.11%
ROICexcg growth 3Y-9.31%
ROICexcg growth 5Y-6.4%
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-Score7
Asset Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.82
Debt/EBITDA 0.55
Cap/Depr 120.74%
Cap/Sales 4.69%
Interest Coverage 31.81
Cash Conversion 88.03%
Profit Quality 96.76%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.23%
ROIC/WACC0.72
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)-3.45%
EPS 3Y-11.93%
EPS 5Y-7.98%
EPS Q2Q%5.72%
EPS Next Y-69.09%
EPS Next 2Y-13.26%
EPS Next 3Y-5.38%
EPS Next 5YN/A
Revenue 1Y (TTM)16.35%
Revenue growth 3Y4.88%
Revenue growth 5Y2.89%
Sales Q2Q%17.45%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3Y13.39%
Revenue Next 5YN/A
EBIT growth 1Y-7.19%
EBIT growth 3Y-11.23%
EBIT growth 5Y-6.14%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y42.9%
FCF growth 3Y14.76%
FCF growth 5Y11.93%
OCF growth 1Y29.25%
OCF growth 3Y15.78%
OCF growth 5Y12%