FBD HOLDINGS PLC (EG7.I) Stock Fundamental Analysis

Europe • Euronext Dublin • DUB:EG7 • IE0003290289

16 EUR
-0.1 (-0.62%)
Last: Feb 3, 2026, 07:00 PM
Fundamental Rating

5

Taking everything into account, EG7 scores 5 out of 10 in our fundamental rating. EG7 was compared to 47 industry peers in the Insurance industry. EG7 has an average financial health and profitability rating. EG7 has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

5

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

  • EG7 has a better Return On Assets (4.01%) than 82.98% of its industry peers.
  • The Return On Equity of EG7 (11.50%) is worse than 63.83% of its industry peers.
  • EG7's Return On Invested Capital of 4.27% is amongst the best of the industry. EG7 outperforms 89.36% of its industry peers.
  • EG7 had an Average Return On Invested Capital over the past 3 years of 5.05%. This is above the industry average of 2.92%.
Industry RankSector 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%
EG7.I Yearly ROA, ROE, ROICEG7.I Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

  • The Profit Margin of EG7 (10.22%) is better than 61.70% of its industry peers.
  • EG7's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 12.25%, EG7 is in line with its industry, outperforming 53.19% of the companies in the same industry.
  • In the last couple of years the Operating Margin of EG7 has declined.
Industry RankSector 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
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 10 20 30

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5

2. Health

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.
  • Compared to 1 year ago, EG7 has about the same amount of shares outstanding.
  • The number of shares outstanding for EG7 has been increased compared to 5 years ago.
  • The debt/assets ratio for EG7 has been reduced compared to a year ago.
EG7.I Yearly Shares OutstandingEG7.I Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • EG7 has an Altman-Z score of 1.45. This is a bad value and indicates that EG7 is not financially healthy and even has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 1.45, EG7 belongs to the best of the industry, outperforming 93.62% of the companies in the same industry.
  • The Debt to FCF ratio of EG7 is 1.13, which is an excellent value as it means it would take EG7, only 1.13 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 1.13, EG7 is doing good in the industry, outperforming 78.72% 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.
  • EG7's Debt to Equity ratio of 0.11 is amongst the best of the industry. EG7 outperforms 97.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.13
Altman-Z 1.45
ROIC/WACC0.58
WACC7.38%
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 100M 200M 300M 400M

2.3 Liquidity

  • A Current Ratio of 0.67 indicates that EG7 may have some problems paying its short term obligations.
  • EG7 has a better Current ratio (0.67) than 80.85% of its industry peers.
  • A Quick Ratio of 0.67 indicates that EG7 may have some problems paying its short term obligations.
  • EG7 has a Quick ratio of 0.67. This is amongst the best in the industry. EG7 outperforms 80.85% of its industry peers.
Industry RankSector Rank
Current Ratio 0.67
Quick Ratio 0.67
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 10M 20M 30M 40M

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5

3. Growth

3.1 Past

  • EG7 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.35%.
  • The Earnings Per Share has been decreasing by -7.98% on average over the past years.
  • The Revenue has grown by 38.29% in the past year. This is a very strong growth!
  • EG7 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.89% yearly.
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

  • 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 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 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 reasonably with a Price/Earnings ratio of 10.96.
  • Compared to the rest of the industry, the Price/Earnings ratio of EG7 indicates a somewhat cheap valuation: EG7 is cheaper than 72.34% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of EG7 to the average of the S&P500 Index (28.18), we can say EG7 is valued rather cheaply.
  • A Price/Forward Earnings ratio of 11.24 indicates a reasonable valuation of EG7.
  • The rest of the industry has a similar Price/Forward Earnings ratio as EG7.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.51, EG7 is valued rather cheaply.
Industry RankSector Rank
PE 10.96
Fwd PE 11.24
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 80.85% of the companies in the same industry.
  • 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 13.94
EV/EBITDA 7.14
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 earnings are expected to decrease with -5.65% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-9.31%
EPS Next 3Y-5.65%

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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 4.09. EG7 pays more dividend than 97.87% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.83, EG7 pays a better dividend.
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 Years0
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 134.87% of its income as dividend. 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%
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 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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FBD HOLDINGS PLC

DUB:EG7 (2/3/2026, 7:00:00 PM)

16

-0.1 (-0.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-08
Earnings (Next)03-06
Inst Owners8.33%
Inst Owner ChangeN/A
Ins Owners0.76%
Ins Owner ChangeN/A
Market Cap654.08M
Revenue(TTM)525.45M
Net Income(TTM)53.68M
Analysts80
Price Target16.63 (3.94%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector Rank
PE 10.96
Fwd PE 11.24
P/S 1.24
P/FCF 13.94
P/OCF 10.42
P/B 1.4
P/tB 1.51
EV/EBITDA 7.14
EPS(TTM)1.46
EY9.13%
EPS(NY)1.42
Fwd EY8.9%
FCF(TTM)1.15
FCFY7.17%
OCF(TTM)1.54
OCFY9.6%
SpS12.85
BVpS11.42
TBVpS10.62
PEG (NY)N/A
PEG (5Y)N/A
Graham Number19.37
Profitability
Industry RankSector 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 RankSector 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 1.45
F-Score5
WACC7.38%
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 4 / 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 10.96 and the Price/Book (PB) ratio is 1.4.


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%.