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FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis

DUB:EG7 - Euronext Dublin - IE0003290289 - Common Stock - Currency: EUR

13.6  0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to EG7. EG7 was compared to 33 industry peers in the Insurance industry. EG7 has an excellent profitability rating, but there are some minor concerns on its financial health. EG7 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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7

1. Profitability

1.1 Basic Checks

In the past year EG7 was profitable.
In the past year EG7 had a positive cash flow from operations.
In the past 5 years EG7 has always been profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M

1.2 Ratios

EG7 has a Return On Assets of 4.90%. This is amongst the best in the industry. EG7 outperforms 96.97% of its industry peers.
Looking at the Return On Equity, with a value of 13.77%, EG7 is in line with its industry, outperforming 48.48% of the companies in the same industry.
EG7 has a Return On Invested Capital of 5.19%. This is amongst the best in the industry. EG7 outperforms 93.94% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for EG7 is above the industry average of 2.22%.
The last Return On Invested Capital (5.19%) for EG7 is above the 3 year average (5.05%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.9%
ROE 13.77%
ROIC 5.19%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 -30

1.3 Margins

EG7 has a Profit Margin of 16.20%. This is amongst the best in the industry. EG7 outperforms 90.91% of its industry peers.
In the last couple of years the Profit Margin of EG7 has declined.
EG7 has a better Operating Margin (19.25%) than 84.85% of its industry peers.
In the last couple of years the Operating Margin of EG7 has declined.
Industry RankSector Rank
OM 19.25%
PM (TTM) 16.2%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 30

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4

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.
EG7 has more shares outstanding than it did 5 years ago.
EG7 has a better debt/assets ratio than last year.
EG7.I Yearly Shares OutstandingEG7.I Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

EG7 has a debt to FCF ratio of 0.82. This is a very positive value and a sign of high solvency as it would only need 0.82 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.82, EG7 belongs to the top of the industry, outperforming 93.94% of the companies in the same industry.
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 93.94% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.82
Altman-Z N/A
ROIC/WACC0.7
WACC7.37%
EG7.I Yearly LT Debt VS Equity VS FCFEG7.I Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EG7.I Yearly Current Assets VS Current LiabilitesEG7.I Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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4

3. Growth

3.1 Past

EG7 shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.45%.
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 quite strong growth in Revenue. The Revenue has grown by 16.35% in the last year.
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)-3.45%
EPS 3Y-11.93%
EPS 5Y-7.98%
EPS Q2Q%5.72%
Revenue 1Y (TTM)16.35%
Revenue growth 3Y4.88%
Revenue growth 5Y2.89%
Sales Q2Q%17.45%

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-69.09%
EPS Next 2Y-13.26%
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.
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2 -2

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.43, the valuation of EG7 can be described as very cheap.
Based on the Price/Earnings ratio, EG7 is valued cheaper than 96.97% of the companies in the same industry.
EG7 is valuated cheaply when we compare the Price/Earnings ratio to 28.87, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 25.41 indicates a quite expensive valuation of EG7.
Based on the Price/Forward Earnings ratio, EG7 is valued expensively inside the industry as 90.91% of the companies are valued cheaper.
When comparing the Price/Forward Earnings ratio of EG7 to the average of the S&P500 Index (21.38), we can say EG7 is valued inline with the index average.
Industry RankSector Rank
PE 7.43
Fwd PE 25.41
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 40 50

4.2 Price Multiples

EG7's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. EG7 is cheaper than 93.94% of the companies in the same industry.
EG7's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 8.63
EV/EBITDA 4.81
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

The decent profitability rating of EG7 may justify a higher PE ratio.
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-13.26%
EPS Next 3Y-5.38%

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6

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 4.56. EG7 pays more dividend than 100.00% of the companies in the same industry.
EG7's Dividend Yield is rather good when compared to the S&P500 average which is at 2.46.
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 Years1
Div Non Decr Years2
EG7.I Yearly Dividends per shareEG7.I Yearly Dividends per shareYearly Dividends per share 2019 2020 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

107.71% 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.
DP107.71%
EPS Next 2Y-13.26%
EPS Next 3Y-5.38%
EG7.I Yearly Income VS Free CF VS DividendEG7.I Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M
EG7.I Dividend Payout.EG7.I Dividend Payout, showing the Payout Ratio.EG7.I Dividend Payout.PayoutRetained Earnings

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FBD HOLDINGS PLC

DUB:EG7 (4/28/2025, 7:00:00 PM)

13.6

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-07 2025-03-07/amc
Earnings (Next)08-07 2025-08-07
Inst Owners16.18%
Inst Owner ChangeN/A
Ins Owners0.7%
Ins Owner ChangeN/A
Market Cap558.82M
Analysts80
Price Target15.81 (16.25%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.89%
Yearly Dividend1.47
Dividend Growth(5Y)31.79%
DP107.71%
Div Incr Years1
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)-56.91%
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 7.43
Fwd PE 25.41
P/S 1.35
P/FCF 8.63
P/OCF 6.64
P/B 1.15
P/tB 1.24
EV/EBITDA 4.81
EPS(TTM)1.83
EY13.46%
EPS(NY)0.54
Fwd EY3.94%
FCF(TTM)1.58
FCFY11.59%
OCF(TTM)2.05
OCFY15.05%
SpS10.05
BVpS11.83
TBVpS10.94
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 4.9%
ROE 13.77%
ROCE 6.02%
ROIC 5.19%
ROICexc 5.87%
ROICexgc 6.58%
OM 19.25%
PM (TTM) 16.2%
GM N/A
FCFM 15.68%
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)6.49%
ROICexgc(5y)5.8%
ROCE(3y)5.85%
ROCE(5y)5.11%
ROICexcg growth 3Y-9.31%
ROICexcg growth 5Y-6.4%
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-Score7
Asset Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.82
Debt/EBITDA 0.55
Cap/Depr 120.74%
Cap/Sales 4.69%
Interest Coverage 31.81
Cash Conversion 88.03%
Profit Quality 96.76%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.37%
ROIC/WACC0.7
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)-3.45%
EPS 3Y-11.93%
EPS 5Y-7.98%
EPS Q2Q%5.72%
EPS Next Y-69.09%
EPS Next 2Y-13.26%
EPS Next 3Y-5.38%
EPS Next 5YN/A
Revenue 1Y (TTM)16.35%
Revenue growth 3Y4.88%
Revenue growth 5Y2.89%
Sales Q2Q%17.45%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3Y13.39%
Revenue Next 5YN/A
EBIT growth 1Y-7.19%
EBIT growth 3Y-11.23%
EBIT growth 5Y-6.14%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y42.9%
FCF growth 3Y14.76%
FCF growth 5Y11.93%
OCF growth 1Y29.25%
OCF growth 3Y15.78%
OCF growth 5Y12%