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

DUB:EG7 • IE0003290289

Current stock price

16.25 EUR
+0.15 (+0.93%)
Last:

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

6

1. EG7.I Profitability Analysis

1.1 Basic Checks

  • EG7 had positive earnings in the past year.
  • In the past year EG7 had a positive cash flow from operations.
  • In the past 5 years EG7 has always been profitable.
  • In the past 5 years EG7 always reported a positive cash flow from operatings.
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 better Return On Assets (3.42%) than 76.32% of its industry peers.
  • EG7's Return On Equity of 9.82% is on the low side compared to the rest of the industry. EG7 is outperformed by 63.16% of its industry peers.
  • EG7's Return On Invested Capital of 3.72% is amongst the best of the industry. EG7 outperforms 81.58% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for EG7 is above the industry average of 2.62%.
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

  • Looking at the Profit Margin, with a value of 8.66%, EG7 is in line with its industry, outperforming 47.37% of the companies in the same industry.
  • In the last couple of years the Profit Margin of EG7 has grown nicely.
  • Looking at the Operating Margin, with a value of 10.48%, EG7 is in line with its industry, outperforming 42.11% of the companies in the same industry.
  • EG7's Operating Margin has improved in the last couple of years.
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

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so EG7 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 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 1.42, we must say that EG7 is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of EG7 (1.42) is better than 97.37% of its industry peers.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 1.11, EG7 belongs to the top of the industry, outperforming 86.84% of the companies in the same industry.
  • A Debt/Equity ratio of 0.11 indicates that EG7 is not too dependend on debt financing.
  • EG7 has a better Debt to Equity ratio (0.11) than 97.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.11
Altman-Z 1.42
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

  • 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.
  • With a decent Current ratio value of 0.57, EG7 is doing good in the industry, outperforming 73.68% 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 73.68% 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.
  • The Earnings Per Share has been growing by 59.57% on average over the past years. This is a very strong growth
  • Looking at the last year, EG7 shows a very strong growth in Revenue. The Revenue has grown by 31.05%.
  • Measured over the past years, EG7 shows a quite strong growth in Revenue. The Revenue has been growing by 10.08% on average per year.
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

  • EG7 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.62% yearly.
  • The Revenue is expected to grow by 0.61% on average over the next years.
EPS Next Y26.72%
EPS Next 2Y15.59%
EPS Next 3Y11.62%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2Y-2.32%
Revenue Next 3Y0.61%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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 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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6

4. EG7.I Valuation Analysis

4.1 Price/Earnings Ratio

  • EG7 is valuated correctly with a Price/Earnings ratio of 12.80.
  • EG7's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.54. EG7 is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 10.94, which indicates a very decent valuation of EG7.
  • EG7's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of EG7 to the average of the S&P500 Index (21.68), we can say EG7 is valued slightly cheaper.
Industry RankSector Rank
PE 12.8
Fwd PE 10.94
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

  • Based on the Enterprise Value to EBITDA ratio, EG7 is valued cheaper than 86.84% 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 13.86
EV/EBITDA 7.37
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.
  • EG7 has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.48
PEG (5Y)0.21
EPS Next 2Y15.59%
EPS Next 3Y11.62%

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

5

5. EG7.I Dividend Analysis

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 4.46. 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 1.82.
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

  • EG7 pays out 135.82% of its income as dividend. This is not a sustainable payout ratio.
DP135.82%
EPS Next 2Y15.59%
EPS Next 3Y11.62%
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 (4/30/2026, 3:51:56 PM)

16.25

+0.15 (+0.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength81.08
Industry Growth69.33
Earnings (Last)03-06
Earnings (Next)08-07
Inst Owners8.35%
Inst Owner ChangeN/A
Ins Owners0.64%
Ins Owner ChangeN/A
Market Cap663.33M
Revenue(TTM)541.35M
Net Income(TTM)46.88M
Analysts80
Price Target18.97 (16.74%)
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 12.8
Fwd PE 10.94
P/S 1.23
P/FCF 13.86
P/OCF 10.09
P/B 1.39
P/tB 1.53
EV/EBITDA 7.37
EPS(TTM)1.27
EY7.82%
EPS(NY)1.48
Fwd EY9.14%
FCF(TTM)1.17
FCFY7.21%
OCF(TTM)1.61
OCFY9.91%
SpS13.26
BVpS11.69
TBVpS10.64
PEG (NY)0.48
PEG (5Y)0.21
Graham Number18.2786 (12.48%)
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 1.42
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 3Y11.62%
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 3Y0.61%
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 6 / 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%.