Bank of Ireland Group plc Fundamental Analysis (XETRA: BIRG.DE)
Bank of Ireland Group plc Fundamental Analysis (XETRA: BIRG.DE)
Bank of Ireland Group plc (XETRA: BIRG.DE) shows moderate financial fundamentals with a PE ratio of 14.16, profit margin of 16.81%, and ROE of 11.12%. The company generates $8.2B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 55.3/100 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 BIRG.DE's fundamental strength across five key dimensions:
Efficiency Score
WeakBIRG.DE struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBIRG.DE trades at attractive valuation levels.
Growth Score
ModerateBIRG.DE shows steady but slowing expansion.
Financial Health Score
WeakBIRG.DE carries high financial risk with limited liquidity.
Profitability Score
ModerateBIRG.DE maintains healthy but balanced margins.
Key Financial Metrics
Is BIRG.DE Expensive or Cheap?
P/E Ratio
BIRG.DE trades at 14.16 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BIRG.DE's PEG of 1.05 indicates fair valuation.
Price to Book
The market values Bank of Ireland Group plc at 1.54 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 13.30 times EBITDA. This signals the market has high growth expectations.
How Well Does BIRG.DE Make Money?
Net Profit Margin
For every $100 in sales, Bank of Ireland Group plc keeps $16.81 as profit after all expenses.
Operating Margin
Core operations generate 19.94 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.12 in profit for every $100 of shareholder equity.
ROA
Bank of Ireland Group plc generates $0.82 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Bank of Ireland Group plc generates strong operating cash flow of $7.67B, reflecting robust business health.
Free Cash Flow
Bank of Ireland Group plc generates strong free cash flow of $7.21B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $7.59 in free cash annually.
FCF Yield
BIRG.DE converts 39.70% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.16
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.05
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.54
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.22
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.09
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.010
vs 25 benchmark
How BIRG.DE Stacks Against Its Sector Peers
| Metric | BIRG.DE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.16 | 21.10 | Better (Cheaper) |
| ROE | 11.12% | 652.00% | Weak |
| Net Margin | 16.81% | -1585.00% (disorted) | Strong |
| Debt/Equity | 1.09 | 0.91 | Neutral |
| Current Ratio | 0.00 | 910.69 | Weak Liquidity |
| ROA | 0.82% | -574.00% (disorted) | Weak |
BIRG.DE outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Bank of Ireland Group plc's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical