FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis
Europe - DUB:EG7 - IE0003290289 - Common Stock
14.325 EUR
+0.02 (+0.17%)
EG7 gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 39 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 decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year EG7 was profitable.
EG7 had a positive operating cash flow in the past year.
EG7 had positive earnings in each of the past 5 years.
In the past 5 years EG7 always reported a positive cash flow from operatings.
1.2 Ratios
EG7's Return On Assets of 4.01% is amongst the best of the industry. EG7 outperforms 94.87% of its industry peers.
EG7's Return On Equity of 11.50% is on the low side compared to the rest of the industry. EG7 is outperformed by 61.54% of its industry peers.
EG7 has a better Return On Invested Capital (4.27%) than 92.31% of its industry peers.
EG7 had an Average Return On Invested Capital over the past 3 years of 5.05%. This is above the industry average of 2.36%.
| 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 66.67% of its industry peers.
In the last couple of years the Profit Margin of EG7 has declined.
EG7's Operating Margin of 12.25% is in line compared to the rest of the industry. EG7 outperforms 53.85% of its industry peers.
In the last couple of years the Operating Margin of EG7 has declined.
| 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
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.
EG7 has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, EG7 has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.41, we must say that EG7 is in the distress zone and has some risk of bankruptcy.
EG7's Altman-Z score of 1.41 is amongst the best of the industry. EG7 outperforms 94.87% 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.
EG7 has a Debt to FCF ratio of 1.13. This is amongst the best in the industry. EG7 outperforms 84.62% 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 97.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.13 | ||
| Altman-Z | 1.41 |
ROIC/WACC0.59
WACC7.29%
2.3 Liquidity
A Current Ratio of 0.67 indicates that EG7 may have some problems paying its short term obligations.
With an excellent Current ratio value of 0.67, EG7 belongs to the best of the industry, outperforming 82.05% 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.
EG7 has a better Quick ratio (0.67) than 82.05% of its industry peers.
| 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%.
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.
EG7 shows a strong growth in Revenue. In the last year, the Revenue has grown by 38.29%.
EG7 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.89% yearly.
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 -5.38% on average over the next years.
The Revenue is expected to grow by 13.39% on average over the next years. This is quite good.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
With a Price/Earnings ratio of 9.81, the valuation of EG7 can be described as very reasonable.
89.74% of the companies in the same industry are more expensive than EG7, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.77. EG7 is valued rather cheaply when compared to this.
EG7 is valuated reasonably with a Price/Forward Earnings ratio of 10.06.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EG7 indicates a somewhat cheap valuation: EG7 is cheaper than 61.54% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.23. EG7 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.81 | ||
| Fwd PE | 10.06 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EG7 is valued cheaper than 82.05% of the companies in the same industry.
EG7's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.51 | ||
| EV/EBITDA | 6.29 |
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
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 4.55. EG7 pays more dividend than 97.44% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, EG7 pays a better dividend.
| 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 (10/22/2025, 2:19:32 PM)
14.325
+0.02 (+0.17%)
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 Cap586.90M
Revenue(TTM)525.45M
Net Income(TTM)53.68M
Analysts80
Price Target16.63 (16.09%)
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)4.49%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
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 | 9.81 | ||
| Fwd PE | 10.06 | ||
| P/S | 1.12 | ||
| P/FCF | 12.51 | ||
| P/OCF | 9.35 | ||
| P/B | 1.26 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | 6.29 |
EPS(TTM)1.46
EY10.19%
EPS(NY)1.42
Fwd EY9.94%
FCF(TTM)1.15
FCFY7.99%
OCF(TTM)1.53
OCFY10.7%
SpS12.83
BVpS11.4
TBVpS10.6
PEG (NY)N/A
PEG (5Y)N/A
Graham Number19.35
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 | 1.41 |
F-Score5
WACC7.29%
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%