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

DUB:EG7 • IE0003290289

Current stock price

17.25 EUR
-0.05 (-0.29%)
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

  • 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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • EG7 has a Return On Assets of 3.42%. This is in the better half of the industry: EG7 outperforms 75.00% of its industry peers.
  • EG7 has a Return On Equity of 9.82%. This is in the lower half of the industry: EG7 underperforms 62.50% of its industry peers.
  • The Return On Invested Capital of EG7 (3.72%) is better than 79.17% of its industry peers.
  • EG7 had an Average Return On Invested Capital over the past 3 years of 4.86%. This is above the industry average of 2.76%.
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 of 8.66%. This is comparable to the rest of the industry: EG7 outperforms 50.00% of its industry peers.
  • EG7's Profit Margin has improved in the last couple of years.
  • EG7 has a Operating Margin (10.48%) which is in line with its industry peers.
  • In the last couple of years the Operating Margin of EG7 has grown nicely.
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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EG7 is destroying value.
  • Compared to 1 year ago, EG7 has about the same amount of shares outstanding.
  • Compared to 5 years ago, EG7 has more shares outstanding
  • EG7 has a worse 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 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

  • EG7 has an Altman-Z score of 1.45. This is a bad value and indicates that EG7 is not financially healthy and even has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 1.45, EG7 belongs to the best of the industry, outperforming 95.83% of the companies in the same industry.
  • EG7 has a debt to FCF ratio of 1.11. This is a very positive value and a sign of high solvency as it would only need 1.11 years to pay back of all of its debts.
  • EG7 has a Debt to FCF ratio of 1.11. This is amongst the best in the industry. EG7 outperforms 81.25% 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.
  • With an excellent Debt to Equity ratio value of 0.11, EG7 belongs to the best of the industry, outperforming 97.92% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.11
Altman-Z 1.45
ROIC/WACC0.5
WACC7.42%
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

  • EG7 has a Current Ratio of 0.57. This is a bad value and indicates that EG7 is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.57, EG7 is in the better half of the industry, outperforming 79.17% of the companies in the same industry.
  • EG7 has a Quick Ratio of 0.57. 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 Quick ratio of EG7 (0.57) is better than 79.17% 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

  • EG7 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -30.42%.
  • EG7 shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 59.57% yearly.
  • Looking at the last year, EG7 shows a very strong growth in Revenue. The Revenue has grown by 31.05%.
  • The Revenue has been growing by 10.08% on average over the past years. This is quite good.
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.
  • EG7 is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.32% yearly.
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

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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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6

4. EG7.I Valuation Analysis

4.1 Price/Earnings Ratio

  • EG7 is valuated correctly with a Price/Earnings ratio of 13.58.
  • Compared to the rest of the industry, the Price/Earnings ratio of EG7 is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 27.53, EG7 is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 11.62, 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.
  • EG7's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.95.
Industry RankSector Rank
PE 13.58
Fwd PE 11.62
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

4.2 Price Multiples

  • EG7's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. EG7 is cheaper than 81.25% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as EG7.
Industry RankSector Rank
P/FCF 14.72
EV/EBITDA 8.04
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as EG7's earnings are expected to grow with 15.59% in the coming years.
PEG (NY)0.51
PEG (5Y)0.23
EPS Next 2Y15.59%
EPS Next 3YN/A

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

5

5. EG7.I Dividend Analysis

5.1 Amount

  • EG7 has a Yearly Dividend Yield of 8.89%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.28, 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 1.82, 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

More info and screens

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EG7.I Fundamentals: All Metrics, Ratios and Statistics

FBD HOLDINGS PLC

DUB:EG7 (4/17/2026, 4:05:53 PM)

17.25

-0.05 (-0.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-06
Earnings (Next)08-06
Inst Owners8.35%
Inst Owner ChangeN/A
Ins Owners0.64%
Ins Owner ChangeN/A
Market Cap704.14M
Revenue(TTM)541.35M
Net Income(TTM)46.88M
Analysts80
Price Target18.97 (9.97%)
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 13.58
Fwd PE 11.62
P/S 1.3
P/FCF 14.72
P/OCF 10.71
P/B 1.48
P/tB 1.62
EV/EBITDA 8.04
EPS(TTM)1.27
EY7.36%
EPS(NY)1.48
Fwd EY8.61%
FCF(TTM)1.17
FCFY6.8%
OCF(TTM)1.61
OCFY9.33%
SpS13.26
BVpS11.69
TBVpS10.64
PEG (NY)0.51
PEG (5Y)0.23
Graham Number18.2786 (5.96%)
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
WACC7.42%
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 6 / 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%.