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

DUB:EG7 • IE0003290289

Current stock price

16.45 EUR
+0.2 (+1.23%)
Last:

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

4

1. EG7.I Profitability Analysis

1.1 Basic Checks

  • EG7 had positive earnings in the past year.
  • EG7 had a positive operating cash flow in the past year.
  • 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 20M 40M 60M 80M 100M

1.2 Ratios

  • With an excellent Return On Assets value of 4.01%, EG7 belongs to the best of the industry, outperforming 85.11% of the companies in the same industry.
  • EG7 has a worse Return On Equity (11.50%) than 65.96% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 4.27%, EG7 belongs to the top of the industry, outperforming 85.11% 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 3.34%.
Industry RankSector 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%
EG7.I Yearly ROA, ROE, ROICEG7.I Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

  • EG7 has a Profit Margin (10.22%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of EG7 has declined.
  • EG7 has a Operating Margin (12.25%) which is comparable to the rest of the industry.
  • EG7's Operating Margin has declined in the last couple of years.
Industry RankSector 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
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 10 20 30

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5

2. EG7.I Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so EG7 is destroying value.
  • EG7 has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for EG7 has been increased compared to 5 years ago.
  • EG7 has a better 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 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 500M 1B 1.5B

2.2 Solvency

  • Based on the Altman-Z score of 1.46, we must say that EG7 is in the distress zone and has some risk of bankruptcy.
  • EG7 has a Altman-Z score of 1.46. This is amongst the best in the industry. EG7 outperforms 95.74% 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 in the better half of the industry: EG7 outperforms 78.72% of its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that EG7 is not too dependend on debt financing.
  • EG7's Debt to Equity ratio of 0.11 is amongst the best of the industry. EG7 outperforms 97.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.13
Altman-Z 1.46
ROIC/WACC0.58
WACC7.43%
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 100M 200M 300M 400M

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.
  • The Current ratio of EG7 (0.67) is better than 76.60% of its industry peers.
  • 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 76.60% of its industry peers.
Industry RankSector Rank
Current Ratio 0.67
Quick Ratio 0.67
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 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 -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.
  • Looking at the last year, EG7 shows a very strong growth in Revenue. The Revenue has grown by 38.29%.
  • The Revenue has been growing slightly by 2.89% on average over the past years.
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

  • EG7 is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.65% 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-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

  • 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 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 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

  • The Price/Earnings ratio is 11.27, which indicates a very decent valuation of EG7.
  • 70.21% of the companies in the same industry are more expensive than EG7, based on the Price/Earnings ratio.
  • EG7 is valuated cheaply when we compare the Price/Earnings ratio to 25.73, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 11.55, the valuation of EG7 can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of EG7 is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 23.72. EG7 is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.27
Fwd PE 11.55
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 rather cheap valuation: EG7 is cheaper than 89.36% of the companies listed in the same industry.
  • 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 RankSector Rank
P/FCF 14.31
EV/EBITDA 7.25
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

  • EG7's earnings are expected to decrease with -5.65% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-9.31%
EPS Next 3Y-5.65%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. EG7.I Dividend Analysis

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 4.14. EG7 pays more dividend than 97.87% of the companies in the same industry.
  • EG7's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 8.89%

5.2 History

  • On average, the dividend of EG7 grows each year by 31.79%, which is quite nice.
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 2026 0.5 1 1.5

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-5.65%
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 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 (3/20/2026, 11:31:00 AM)

16.45

+0.2 (+1.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-06
Earnings (Next)08-06
Inst Owners8.24%
Inst Owner ChangeN/A
Ins Owners0.64%
Ins Owner ChangeN/A
Market Cap671.49M
Revenue(TTM)525.45M
Net Income(TTM)53.68M
Analysts80
Price Target16.63 (1.09%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector Rank
PE 11.27
Fwd PE 11.55
P/S 1.28
P/FCF 14.31
P/OCF 10.7
P/B 1.44
P/tB 1.55
EV/EBITDA 7.25
EPS(TTM)1.46
EY8.88%
EPS(NY)1.42
Fwd EY8.66%
FCF(TTM)1.15
FCFY6.99%
OCF(TTM)1.54
OCFY9.35%
SpS12.87
BVpS11.44
TBVpS10.64
PEG (NY)N/A
PEG (5Y)N/A
Graham Number19.39
Profitability
Industry RankSector 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 RankSector 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 1.46
F-Score5
WACC7.43%
ROIC/WACC0.58
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 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.


What is the valuation status for EG7 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 4 / 10.


What are the PE and PB ratios of FBD HOLDINGS PLC (EG7.I) stock?

The Price/Earnings (PE) ratio for FBD HOLDINGS PLC (EG7.I) is 11.27 and the Price/Book (PB) ratio is 1.44.


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%.