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

DUB:EG7 • IE0003290289

Current stock price

16.6 EUR
-0.4 (-2.35%)
Last:

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

5

1. EG7.I Profitability Analysis

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.
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 64.44% of its industry peers.
  • EG7's Return On Equity of 9.82% is on the low side compared to the rest of the industry. EG7 is outperformed by 66.67% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 3.72%, EG7 is in the better half of the industry, outperforming 68.89% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for EG7 is in line with the industry average of 3.90%.
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

  • EG7 has a Profit Margin (8.66%) which is in line with its industry peers.
  • EG7's Profit Margin has improved in the last couple of years.
  • EG7 has a worse Operating Margin (10.48%) than 62.22% 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

  • EG7 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, EG7 has about the same amount of shares outstanding.
  • The number of shares outstanding for EG7 has been increased compared to 5 years ago.
  • Compared to 1 year ago, EG7 has a worse debt to assets ratio.
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

  • Based on the Altman-Z score of 1.45, we must say that EG7 is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.45, EG7 belongs to the top of the industry, outperforming 91.11% of the companies in the same industry.
  • The Debt to FCF ratio of EG7 is 1.11, which is an excellent value as it means it would take EG7, only 1.11 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.11, EG7 is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.11 indicates that EG7 is not too dependend on debt financing.
  • The Debt to Equity ratio of EG7 (0.11) is better than 97.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.11
Altman-Z 1.45
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

  • A Current Ratio of 0.57 indicates that EG7 may have some problems paying its short term obligations.
  • EG7's Current ratio of 0.57 is fine compared to the rest of the industry. EG7 outperforms 77.78% of its industry peers.
  • A Quick Ratio of 0.57 indicates that EG7 may have some problems paying its short term obligations.
  • EG7's Quick ratio of 0.57 is fine compared to the rest of the industry. EG7 outperforms 77.78% 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

  • The earnings per share for EG7 have decreased strongly by -30.42% in the last year.
  • Measured over the past years, EG7 shows a very strong growth in Earnings Per Share. The EPS has been growing by 59.57% on average per year.
  • Looking at the last year, EG7 shows a very strong growth in Revenue. The Revenue has grown by 31.05%.
  • EG7 shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.08% yearly.
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 15.59% on average per year.
  • The Revenue is expected to decrease by -2.32% on average over the next years.
EPS Next Y26.72%
EPS Next 2Y15.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2Y-2.32%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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 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 0 1 -1 2 -2

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5

4. EG7.I Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.07 indicates a correct valuation of EG7.
  • The rest of the industry has a similar Price/Earnings ratio as EG7.
  • EG7's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.47.
  • The Price/Forward Earnings ratio is 11.18, which indicates a very decent valuation of EG7.
  • EG7's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 22.62. EG7 is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.07
Fwd PE 11.18
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of EG7 indicates a somewhat cheap valuation: EG7 is cheaper than 80.00% of the companies listed in the same industry.
  • EG7's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.16
EV/EBITDA 7.87
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.
  • EG7's earnings are expected to grow with 15.59% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)0.22
EPS Next 2Y15.59%
EPS Next 3YN/A

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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.
  • Compared to an average industry Dividend Yield of 3.89, EG7 pays a better dividend. On top of this EG7 pays more dividend than 100.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, 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 3YN/A
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 (4/23/2026, 7:00:00 PM)

16.6

-0.4 (-2.35%)

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 Cap677.61M
Revenue(TTM)541.35M
Net Income(TTM)46.88M
Analysts80
Price Target18.97 (14.28%)
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 13.07
Fwd PE 11.18
P/S 1.25
P/FCF 14.16
P/OCF 10.31
P/B 1.42
P/tB 1.56
EV/EBITDA 7.87
EPS(TTM)1.27
EY7.65%
EPS(NY)1.48
Fwd EY8.94%
FCF(TTM)1.17
FCFY7.06%
OCF(TTM)1.61
OCFY9.7%
SpS13.26
BVpS11.69
TBVpS10.64
PEG (NY)0.49
PEG (5Y)0.22
Graham Number18.2786 (10.11%)
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 1.45
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 3YN/A
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 3YN/A
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 5 / 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 5 / 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%.