FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis
Europe - Euronext Dublin - DUB:EG7 - IE0003290289 - Common Stock
16.35 EUR
0 (0%)
We assign a fundamental rating of 5 out of 10 to EG7. EG7 was compared to 48 industry peers in the Insurance industry. EG7 has only an average score on both its financial health and profitability. EG7 has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year EG7 was profitable.
- EG7 had a positive operating cash flow in the past year.
- 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.
1.2 Ratios
- EG7 has a Return On Assets of 4.01%. This is amongst the best in the industry. EG7 outperforms 87.50% of its industry peers.
- The Return On Equity of EG7 (11.50%) is worse than 68.75% of its industry peers.
- The Return On Invested Capital of EG7 (4.27%) is better than 91.67% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for EG7 is above the industry average of 2.70%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.01% | ||
| ROE | 11.5% | ||
| ROIC | 4.27% |
ROA(3y)4.7%
ROA(5y)4.1%
ROE(3y)13.6%
ROE(5y)12.43%
ROIC(3y)5.05%
ROIC(5y)4.41%
1.3 Margins
- EG7 has a Profit Margin of 10.22%. This is in the better half of the industry: EG7 outperforms 64.58% of its industry peers.
- EG7's Profit Margin has declined in the last couple of years.
- The Operating Margin of EG7 (12.25%) is comparable to the rest of the industry.
- In the last couple of years the Operating Margin of EG7 has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.25% | ||
| PM (TTM) | 10.22% | ||
| 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
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), EG7 is destroying value.
- The number of shares outstanding for EG7 remains at a similar level compared to 1 year ago.
- Compared to 5 years ago, EG7 has more shares outstanding
- The debt/assets ratio for EG7 has been reduced compared to a year ago.
2.2 Solvency
- EG7 has an Altman-Z score of 1.46. This is a bad value and indicates that EG7 is not financially healthy and even has some risk of bankruptcy.
- EG7 has a better Altman-Z score (1.46) than 93.75% of its industry peers.
- EG7 has a debt to FCF ratio of 1.13. This is a very positive value and a sign of high solvency as it would only need 1.13 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 1.13, EG7 belongs to the top of the industry, outperforming 85.42% of the companies in the same industry.
- A Debt/Equity ratio of 0.11 indicates that EG7 is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.11, EG7 belongs to the top of the industry, outperforming 97.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.13 | ||
| Altman-Z | 1.46 |
ROIC/WACC0.58
WACC7.39%
2.3 Liquidity
- A Current Ratio of 0.67 indicates that EG7 may have some problems paying its short term obligations.
- The Current ratio of EG7 (0.67) is better than 77.08% of its industry peers.
- EG7 has a Quick Ratio of 0.67. 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 Quick ratio value of 0.67, EG7 is doing good in the industry, outperforming 77.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.67 | ||
| Quick Ratio | 0.67 |
3. Growth
3.1 Past
- The earnings per share for EG7 have decreased strongly by -17.35% in the last year.
- 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.
- EG7 shows a strong growth in Revenue. In the last year, the Revenue has grown by 38.29%.
- The Revenue has been growing slightly by 2.89% on average over the past years.
EPS 1Y (TTM)-17.35%
EPS 3Y-11.93%
EPS 5Y-7.98%
EPS Q2Q%-47.53%
Revenue 1Y (TTM)38.29%
Revenue growth 3Y4.88%
Revenue growth 5Y2.89%
Sales Q2Q%59.09%
3.2 Future
- EG7 is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.65% yearly.
- The Revenue is expected to grow by 13.39% on average over the next years. This is quite good.
EPS Next Y-32.34%
EPS Next 2Y-9.31%
EPS Next 3Y-5.65%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3Y13.39%
Revenue Next 5YN/A
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 accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 11.20, the valuation of EG7 can be described as very reasonable.
- Based on the Price/Earnings ratio, EG7 is valued a bit cheaper than 70.83% of the companies in the same industry.
- EG7 is valuated cheaply when we compare the Price/Earnings ratio to 26.94, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 11.48, the valuation of EG7 can be described as 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 23.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.2 | ||
| Fwd PE | 11.48 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, EG7 is valued cheaper than 87.50% of the companies in the same industry.
- EG7's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.24 | ||
| EV/EBITDA | 7.31 |
4.3 Compensation for Growth
- A cheap valuation may be justified as EG7's earnings are expected to decrease with -5.65% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-9.31%
EPS Next 3Y-5.65%
5. Dividend
5.1 Amount
- EG7 has a Yearly Dividend Yield of 8.89%, which is a nice return.
- EG7's Dividend Yield is rather good when compared to the industry average which is at 4.19. EG7 pays more dividend than 97.92% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, EG7 pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.89% |
5.2 History
- The dividend of EG7 is nicely growing with an annual growth rate of 31.79%!
Dividend Growth(5Y)31.79%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
- 134.87% 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.
DP134.87%
EPS Next 2Y-9.31%
EPS Next 3Y-5.65%
DUB:EG7 (1/21/2026, 5:25:19 PM)
16.35
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-08 2025-08-08
Earnings (Next)03-06 2026-03-06
Inst Owners8.33%
Inst Owner ChangeN/A
Ins Owners0.76%
Ins Owner ChangeN/A
Market Cap668.39M
Revenue(TTM)525.45M
Net Income(TTM)53.68M
Analysts80
Price Target16.63 (1.71%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.89% |
Yearly Dividend1.47
Dividend Growth(5Y)31.79%
DP134.87%
Div Incr Years0
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)0%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.2 | ||
| Fwd PE | 11.48 | ||
| P/S | 1.27 | ||
| P/FCF | 14.24 | ||
| P/OCF | 10.65 | ||
| P/B | 1.43 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | 7.31 |
EPS(TTM)1.46
EY8.93%
EPS(NY)1.42
Fwd EY8.71%
FCF(TTM)1.15
FCFY7.02%
OCF(TTM)1.54
OCFY9.39%
SpS12.85
BVpS11.42
TBVpS10.62
PEG (NY)N/A
PEG (5Y)N/A
Graham Number19.37
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.01% | ||
| ROE | 11.5% | ||
| ROCE | 4.95% | ||
| ROIC | 4.27% | ||
| ROICexc | 4.75% | ||
| ROICexgc | 5.27% | ||
| OM | 12.25% | ||
| PM (TTM) | 10.22% | ||
| GM | N/A | ||
| FCFM | 8.93% |
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)6.43%
ROICexgc(5y)5.76%
ROCE(3y)5.85%
ROCE(5y)5.11%
ROICexgc growth 3Y-9.68%
ROICexgc growth 5Y-6.63%
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-Score5
Asset Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.13 | ||
| Debt/EBITDA | 0.66 | ||
| Cap/Depr | 97.25% | ||
| Cap/Sales | 3.02% | ||
| Interest Coverage | 25.76 | ||
| Cash Conversion | 77.8% | ||
| Profit Quality | 87.4% | ||
| Current Ratio | 0.67 | ||
| Quick Ratio | 0.67 | ||
| Altman-Z | 1.46 |
F-Score5
WACC7.39%
ROIC/WACC0.58
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)-17.35%
EPS 3Y-11.93%
EPS 5Y-7.98%
EPS Q2Q%-47.53%
EPS Next Y-32.34%
EPS Next 2Y-9.31%
EPS Next 3Y-5.65%
EPS Next 5YN/A
Revenue 1Y (TTM)38.29%
Revenue growth 3Y4.88%
Revenue growth 5Y2.89%
Sales Q2Q%59.09%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3Y13.39%
Revenue Next 5YN/A
EBIT growth 1Y-17.35%
EBIT growth 3Y-11.23%
EBIT growth 5Y-6.14%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y90.12%
FCF growth 3Y14.76%
FCF growth 5Y11.93%
OCF growth 1Y49.81%
OCF growth 3Y15.78%
OCF growth 5Y12%
FBD HOLDINGS PLC / EG7.I FAQ
Can you provide the ChartMill fundamental rating for FBD HOLDINGS PLC?
ChartMill assigns a fundamental rating of 5 / 10 to EG7.I.
What is the valuation status for EG7 stock?
ChartMill assigns a valuation rating of 5 / 10 to FBD HOLDINGS PLC (EG7.I). This can be considered as Fairly Valued.
How profitable is FBD HOLDINGS PLC (EG7.I) stock?
FBD HOLDINGS PLC (EG7.I) has a profitability rating of 5 / 10.
What are the PE and PB ratios of FBD HOLDINGS PLC (EG7.I) stock?
The Price/Earnings (PE) ratio for FBD HOLDINGS PLC (EG7.I) is 11.2 and the Price/Book (PB) ratio is 1.43.
Can you provide the dividend sustainability for EG7 stock?
The dividend rating of FBD HOLDINGS PLC (EG7.I) is 6 / 10 and the dividend payout ratio is 134.87%.