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

DUB:EG7 • IE0003290289

Current stock price

16.35 EUR
-0.25 (-1.51%)
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.
  • 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

  • Looking at the Return On Assets, with a value of 3.42%, EG7 is in the better half of the industry, outperforming 64.44% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 9.82%, EG7 is doing worse than 66.67% of the companies in the same industry.
  • EG7 has a Return On Invested Capital of 3.72%. This is in the better half of the industry: EG7 outperforms 68.89% of its industry peers.
  • 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 comparable to the rest of the industry.
  • EG7's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 10.48%, EG7 is doing worse than 62.22% of the companies in the same industry.
  • 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

  • EG7 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
  • 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 1.44, 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 91.11% of its industry peers.
  • 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.
  • EG7's Debt to FCF ratio of 1.11 is fine compared to the rest of the industry. EG7 outperforms 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 better Debt to Equity ratio (0.11) than 97.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.11
Altman-Z 1.44
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.
  • With a decent Current ratio value of 0.57, EG7 is doing good in the industry, outperforming 77.78% of the companies in the same industry.
  • A Quick Ratio of 0.57 indicates that EG7 may have some problems paying its short term obligations.
  • The Quick ratio of EG7 (0.57) is better than 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.
  • The Revenue has grown by 31.05% in the past year. This is a very strong growth!
  • 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

  • The Earnings Per Share is expected to grow by 15.59% on average over the next years. This is quite good.
  • 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 2028 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 2028 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 12.87, which indicates a correct valuation of EG7.
  • EG7's Price/Earnings ratio is in line with the industry average.
  • EG7's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.42.
  • With a Price/Forward Earnings ratio of 11.01, the valuation of EG7 can be described as very reasonable.
  • EG7's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.24, EG7 is valued rather cheaply.
Industry RankSector Rank
PE 12.87
Fwd PE 11.01
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

  • 80.00% of the companies in the same industry are more expensive than EG7, based on the Enterprise Value to EBITDA ratio.
  • 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 13.95
EV/EBITDA 7.65
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)0.48
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

  • EG7 has a Yearly Dividend Yield of 8.89%, which is a nice return.
  • Compared to an average industry Dividend Yield of 3.90, 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 (4/24/2026, 7:00:00 PM)

16.35

-0.25 (-1.51%)

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 Cap667.41M
Revenue(TTM)541.35M
Net Income(TTM)46.88M
Analysts80
Price Target18.97 (16.02%)
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 12.87
Fwd PE 11.01
P/S 1.23
P/FCF 13.95
P/OCF 10.16
P/B 1.4
P/tB 1.54
EV/EBITDA 7.65
EPS(TTM)1.27
EY7.77%
EPS(NY)1.48
Fwd EY9.08%
FCF(TTM)1.17
FCFY7.17%
OCF(TTM)1.61
OCFY9.85%
SpS13.26
BVpS11.69
TBVpS10.64
PEG (NY)0.48
PEG (5Y)0.22
Graham Number18.2786 (11.8%)
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 1.44
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%.