Bank of Ireland Group plc
Bank of Ireland Group plc Fundamental Analysis
Bank of Ireland Group plc (BKRIF) shows moderate financial fundamentals with a PE ratio of 12.74, profit margin of 19.72%, and ROE of 9.24%. The company generates $6.0B in annual revenue with weak year-over-year growth of -0.65%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 41.8/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze BKRIF's fundamental strength across five key dimensions:
Efficiency Score
WeakBKRIF struggles to generate sufficient returns from assets.
Valuation Score
ModerateBKRIF shows balanced valuation metrics.
Growth Score
WeakBKRIF faces weak or negative growth trends.
Financial Health Score
ModerateBKRIF shows balanced financial health with some risks.
Profitability Score
ModerateBKRIF maintains healthy but balanced margins.
Key Financial Metrics
Is BKRIF Expensive or Cheap?
P/E Ratio
BKRIF trades at 12.74 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BKRIF's PEG of 16.61 indicates potential overvaluation.
Price to Book
The market values Bank of Ireland Group plc at 1.19 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 16.60 times EBITDA. This signals the market has high growth expectations.
How Well Does BKRIF Make Money?
Net Profit Margin
For every $100 in sales, Bank of Ireland Group plc keeps $19.72 as profit after all expenses.
Operating Margin
Core operations generate 22.87 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.24 in profit for every $100 of shareholder equity.
ROA
Bank of Ireland Group plc generates $0.73 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 $3.91B, reflecting robust business health.
Free Cash Flow
Bank of Ireland Group plc generates strong free cash flow of $3.45B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.63 in free cash annually.
FCF Yield
BKRIF converts 23.47% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.74
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
16.61
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.19
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.46
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.81
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.22
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How BKRIF Stacks Against Its Sector Peers
| Metric | BKRIF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.74 | 18.50 | Better (Cheaper) |
| ROE | 9.24% | 809.00% | Weak |
| Net Margin | 19.72% | 2211.00% | Weak |
| Debt/Equity | 0.81 | 0.90 | Neutral |
| Current Ratio | 0.22 | 691.82 | Weak Liquidity |
| ROA | 0.73% | -24320.00% (disorted) | Weak |
BKRIF outperforms its industry in 1 out of 6 key metrics, 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
59.22%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
316.39%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-16.10%
Industry Style: Value, Dividend, Cyclical
Declining