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FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis

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

13.5  -0.25 (-1.82%)

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 scores excellent on profitability, but there are 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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8

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.
Each year in the past 5 years EG7 has 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M 100M

1.2 Ratios

EG7 has a Return On Assets of 5.09%. This is amongst the best in the industry. EG7 outperforms 97.22% of its industry peers.
EG7 has a Return On Equity of 14.49%. This is comparable to the rest of the industry: EG7 outperforms 58.33% of its industry peers.
The Return On Invested Capital of EG7 (5.57%) is better than 94.44% of its industry peers.
The Average Return On Invested Capital over the past 3 years for EG7 is above the industry average of 2.25%.
The 3 year average ROIC (5.45%) for EG7 is below the current ROIC(5.57%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.09%
ROE 14.49%
ROIC 5.57%
ROA(3y)5.11%
ROA(5y)4.58%
ROE(3y)15.77%
ROE(5y)14.93%
ROIC(3y)5.45%
ROIC(5y)4.81%
EG7.I Yearly ROA, ROE, ROICEG7.I Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10 20 -20 -30

1.3 Margins

EG7 has a Profit Margin of 19.59%. This is amongst the best in the industry. EG7 outperforms 91.67% of its industry peers.
In the last couple of years the Profit Margin of EG7 has grown nicely.
EG7 has a better Operating Margin (24.13%) than 91.67% of its industry peers.
In the last couple of years the Operating Margin of EG7 has grown nicely.
Industry RankSector Rank
OM 24.13%
PM (TTM) 19.59%
GM N/A
OM growth 3Y106.62%
OM growth 5Y2.24%
PM growth 3Y146.33%
PM growth 5Y10.58%
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 0 10 -10 20 -20 30

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3

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EG7 is destroying value.
EG7 has more shares outstanding than it did 1 year ago.
The number of shares outstanding for EG7 has been increased compared to 5 years ago.
The debt/assets ratio for EG7 has remained at the same level compared to a year ago.
EG7.I Yearly Shares OutstandingEG7.I Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 500M 1B 1.5B

2.2 Solvency

EG7 has a debt to FCF ratio of 1.18. This is a very positive value and a sign of high solvency as it would only need 1.18 years to pay back of all of its debts.
EG7 has a better Debt to FCF ratio (1.18) than 88.89% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that EG7 is not too dependend on debt financing.
EG7 has a Debt to Equity ratio of 0.11. This is amongst the best in the industry. EG7 outperforms 94.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.18
Altman-Z N/A
ROIC/WACC0.78
WACC7.12%
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 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 10M 20M 30M

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4

3. Growth

3.1 Past

EG7 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -26.13%.
Measured over the past years, EG7 shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.22% on average per year.
EG7 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.07%.
EG7 shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.15% yearly.
EPS 1Y (TTM)-26.13%
EPS 3Y149%
EPS 5Y13.22%
EPS Q2Q%-13.79%
Revenue 1Y (TTM)15.07%
Revenue growth 3Y1.95%
Revenue growth 5Y-0.15%
Sales Q2Q%15.1%

3.2 Future

Based on estimates for the next years, EG7 will show a decrease in Earnings Per Share. The EPS will decrease by -5.74% on average per year.
Based on estimates for the next years, EG7 will show a quite strong growth in Revenue. The Revenue will grow by 10.46% on average per year.
EPS Next Y-6.82%
EPS Next 2Y-46.33%
EPS Next 3Y-11.16%
EPS Next 5Y-5.74%
Revenue Next Year2.12%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5Y10.46%

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 decreasing.
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 2025 2026 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

EG7 is valuated cheaply with a Price/Earnings ratio of 7.58.
Based on the Price/Earnings ratio, EG7 is valued cheaper than 97.22% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.35, EG7 is valued rather cheaply.
The Price/Forward Earnings ratio is 25.22, which means the current valuation is very expensive for EG7.
EG7's Price/Forward Earnings ratio is rather expensive when compared to the industry. EG7 is more expensive than 91.67% of the companies in the same industry.
EG7 is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.58
Fwd PE 25.22
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

EG7's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. EG7 is cheaper than 97.22% of the companies in the same industry.
EG7's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.15
EV/EBITDA 4.69
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 has an outstanding profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as EG7's earnings are expected to decrease with -11.16% in the coming years.
PEG (NY)N/A
PEG (5Y)0.57
EPS Next 2Y-46.33%
EPS Next 3Y-11.16%

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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.
Compared to an average industry Dividend Yield of 4.64, EG7 pays a better dividend. On top of this EG7 pays more dividend than 100.00% of the companies listed in the same industry.
EG7's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 8.89%

5.2 History

On average, the dividend of EG7 grows each year by 52.30%, which is quite nice.
Dividend Growth(5Y)52.3%
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

EG7 pays out 103.57% of its income as dividend. This is not a sustainable payout ratio.
EG7's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP103.57%
EPS Next 2Y-46.33%
EPS Next 3Y-11.16%
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 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 (3/7/2025, 7:00:00 PM)

13.5

-0.25 (-1.82%)

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 Cap550.39M
Analysts80
Price Target15.81 (17.11%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.89%
Yearly Dividend1.47
Dividend Growth(5Y)52.3%
DP103.57%
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)30.88%
EPS NY rev (3m)63.29%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 7.58
Fwd PE 25.22
P/S 1.55
P/FCF 12.15
P/OCF 8.46
P/B 1.15
P/tB 1.22
EV/EBITDA 4.69
EPS(TTM)1.78
EY13.19%
EPS(NY)0.54
Fwd EY3.97%
FCF(TTM)1.11
FCFY8.23%
OCF(TTM)1.6
OCFY11.83%
SpS8.71
BVpS11.77
TBVpS11.09
PEG (NY)N/A
PEG (5Y)0.57
Profitability
Industry RankSector Rank
ROA 5.09%
ROE 14.49%
ROCE 6.45%
ROIC 5.57%
ROICexc 6.24%
ROICexgc 7%
OM 24.13%
PM (TTM) 19.59%
GM N/A
FCFM 12.76%
ROA(3y)5.11%
ROA(5y)4.58%
ROE(3y)15.77%
ROE(5y)14.93%
ROIC(3y)5.45%
ROIC(5y)4.81%
ROICexc(3y)6.13%
ROICexc(5y)5.34%
ROICexgc(3y)7.25%
ROICexgc(5y)6.32%
ROCE(3y)6.31%
ROCE(5y)5.57%
ROICexcg growth 3Y116.52%
ROICexcg growth 5Y0.71%
ROICexc growth 3Y118.6%
ROICexc growth 5Y2.24%
OM growth 3Y106.62%
OM growth 5Y2.24%
PM growth 3Y146.33%
PM growth 5Y10.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.18
Debt/EBITDA 0.54
Cap/Depr 154.5%
Cap/Sales 5.57%
Interest Coverage 34.27
Cash Conversion 66.1%
Profit Quality 65.16%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.12%
ROIC/WACC0.78
Cap/Depr(3y)102.15%
Cap/Depr(5y)97.81%
Cap/Sales(3y)4.26%
Cap/Sales(5y)3.77%
Profit Quality(3y)88.54%
Profit Quality(5y)374.41%
High Growth Momentum
Growth
EPS 1Y (TTM)-26.13%
EPS 3Y149%
EPS 5Y13.22%
EPS Q2Q%-13.79%
EPS Next Y-6.82%
EPS Next 2Y-46.33%
EPS Next 3Y-11.16%
EPS Next 5Y-5.74%
Revenue 1Y (TTM)15.07%
Revenue growth 3Y1.95%
Revenue growth 5Y-0.15%
Sales Q2Q%15.1%
Revenue Next Year2.12%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5Y10.46%
EBIT growth 1Y24.74%
EBIT growth 3Y110.66%
EBIT growth 5Y2.08%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-49.5%
FCF growth 3Y-13.03%
FCF growth 5Y18.15%
OCF growth 1Y-36.54%
OCF growth 3Y-6.29%
OCF growth 5Y14.5%