AIB Group plc
AIB Group plc Fundamental Analysis
AIB Group plc (AIBRF) shows strong financial fundamentals with a PE ratio of 10.39, profit margin of 42.24%, and ROE of 15.44%. The company generates $4.3B in annual revenue with moderate year-over-year growth of 8.64%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 60.5/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze AIBRF's fundamental strength across five key dimensions:
Efficiency Score
WeakAIBRF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentAIBRF trades at attractive valuation levels.
Growth Score
ExcellentAIBRF delivers strong and consistent growth momentum.
Financial Health Score
ExcellentAIBRF maintains a strong and stable balance sheet.
Profitability Score
ExcellentAIBRF achieves industry-leading margins.
Key Financial Metrics
Is AIBRF Expensive or Cheap?
P/E Ratio
AIBRF trades at 10.39 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, AIBRF's PEG of 0.12 indicates potential undervaluation.
Price to Book
The market values AIB Group plc at 1.66 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 37.52 times EBITDA. This signals the market has high growth expectations.
How Well Does AIBRF Make Money?
Net Profit Margin
For every $100 in sales, AIB Group plc keeps $42.24 as profit after all expenses.
Operating Margin
Core operations generate 47.32 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $15.44 in profit for every $100 of shareholder equity.
ROA
AIB Group plc generates $1.45 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
AIB Group plc generates strong operating cash flow of $1.92B, reflecting robust business health.
Free Cash Flow
AIB Group plc generates strong free cash flow of $1.87B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.87 in free cash annually.
FCF Yield
AIBRF converts 11.59% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.39
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.12
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.66
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.74
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.99
vs 25 benchmark
Current Ratio
Current assets to current liabilities
22.82
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.15
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How AIBRF Stacks Against Its Sector Peers
| Metric | AIBRF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.39 | 18.50 | Better (Cheaper) |
| ROE | 15.44% | 809.00% | Weak |
| Net Margin | 42.24% | 2211.00% | Weak |
| Debt/Equity | 0.99 | 0.90 | Neutral |
| Current Ratio | 22.82 | 691.82 | Strong Liquidity |
| ROA | 1.45% | -24320.00% (disorted) | Weak |
AIBRF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews AIB Group plc's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
90.71%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
639.36%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-13.16%
Industry Style: Value, Dividend, Cyclical
Declining