FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis
Europe - Euronext Dublin - DUB:EG7 - IE0003290289 - Common Stock
15.7 EUR
+0.05 (+0.32%)
We assign a fundamental rating of 5 out of 10 to EG7. EG7 was compared to 45 industry peers in the Insurance industry. Both the profitability and the financial health of EG7 get a neutral evaluation. Nothing too spectacular is happening here. EG7 has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
EG7 had positive earnings in the past year.
In the past year EG7 had a positive cash flow from operations.
Each year in the past 5 years EG7 has been profitable.
In the past 5 years EG7 always reported a positive cash flow from operatings.
1.2 Ratios
EG7 has a better Return On Assets (4.01%) than 84.44% of its industry peers.
EG7 has a worse Return On Equity (11.50%) than 66.67% of its industry peers.
With an excellent Return On Invested Capital value of 4.27%, EG7 belongs to the best of the industry, outperforming 91.11% 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 2.72%.
| 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
With a decent Profit Margin value of 10.22%, EG7 is doing good in the industry, outperforming 64.44% of the companies in the same industry.
EG7's Profit Margin has declined in the last couple of years.
EG7 has a Operating Margin of 12.25%. This is comparable to the rest of the industry: EG7 outperforms 53.33% of its industry peers.
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
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.
2.2 Solvency
Based on the Altman-Z score of 1.44, we must say that EG7 is in the distress zone and has some risk of bankruptcy.
EG7 has a Altman-Z score of 1.44. This is amongst the best in the industry. EG7 outperforms 95.56% of its industry peers.
EG7 has a debt to FCF ratio of 1.13. This is a very positive value and a sign of high solvency as it would only need 1.13 years to pay back of all of its debts.
EG7 has a better Debt to FCF ratio (1.13) than 80.00% 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.
EG7 has a Debt to Equity ratio of 0.11. This is amongst the best in the industry. EG7 outperforms 97.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.13 | ||
| Altman-Z | 1.44 |
ROIC/WACC0.59
WACC7.27%
2.3 Liquidity
EG7 has a Current 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.
With a decent Current ratio value of 0.67, EG7 is doing good in the industry, outperforming 80.00% of the companies in the same industry.
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.
With a decent Quick ratio value of 0.67, EG7 is doing good in the industry, outperforming 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.67 | ||
| Quick Ratio | 0.67 |
3. Growth
3.1 Past
The earnings per share for EG7 have decreased strongly by -17.35% in the last year.
Measured over the past years, EG7 shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.98% on average per year.
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
The Earnings Per Share is expected to decrease by -5.65% on average over the next years.
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-32.34%
EPS Next 2Y-9.31%
EPS Next 3Y-5.65%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3Y13.39%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
EG7 is valuated reasonably with a Price/Earnings ratio of 10.75.
Based on the Price/Earnings ratio, EG7 is valued cheaper than 82.22% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.61. EG7 is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 11.02, which indicates a very decent valuation of EG7.
EG7's Price/Forward Earnings ratio is in line with the industry average.
EG7's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.01.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.75 | ||
| Fwd PE | 11.02 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EG7 is valued cheaply inside the industry as 82.22% of the companies are valued more expensively.
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 | 13.68 | ||
| EV/EBITDA | 6.99 |
4.3 Compensation for Growth
A cheap valuation may be justified as EG7's earnings are expected to decrease with -5.65% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-9.31%
EPS Next 3Y-5.65%
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 3.95. EG7 pays more dividend than 97.78% of the companies in the same industry.
EG7's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| 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.
EG7's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP134.87%
EPS Next 2Y-9.31%
EPS Next 3Y-5.65%
DUB:EG7 (12/22/2025, 7:00:00 PM)
15.7
+0.05 (+0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners8.48%
Inst Owner ChangeN/A
Ins Owners0.75%
Ins Owner ChangeN/A
Market Cap641.82M
Revenue(TTM)525.45M
Net Income(TTM)53.68M
Analysts80
Price Target16.63 (5.92%)
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)0%
PT rev (3m)0%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.75 | ||
| Fwd PE | 11.02 | ||
| P/S | 1.22 | ||
| P/FCF | 13.68 | ||
| P/OCF | 10.22 | ||
| P/B | 1.37 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | 6.99 |
EPS(TTM)1.46
EY9.3%
EPS(NY)1.42
Fwd EY9.07%
FCF(TTM)1.15
FCFY7.31%
OCF(TTM)1.54
OCFY9.78%
SpS12.85
BVpS11.42
TBVpS10.62
PEG (NY)N/A
PEG (5Y)N/A
Graham Number19.37
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%
ROICexgc growth 3Y-9.68%
ROICexgc 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 | 1.44 |
F-Score5
WACC7.27%
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-5.65%
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%
FBD HOLDINGS PLC / EG7.I FAQ
Can you provide the ChartMill fundamental rating for FBD HOLDINGS PLC?
ChartMill assigns a fundamental rating of 5 / 10 to EG7.I.
What is the valuation status of FBD HOLDINGS PLC (EG7.I) stock?
ChartMill assigns a valuation rating of 5 / 10 to FBD HOLDINGS PLC (EG7.I). This can be considered as Fairly Valued.
How profitable is FBD HOLDINGS PLC (EG7.I) stock?
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.
Can you provide the dividend sustainability for EG7 stock?
The dividend rating of FBD HOLDINGS PLC (EG7.I) is 6 / 10 and the dividend payout ratio is 134.87%.