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 14.13, profit margin of 30.29%, and ROE of 9.68%. The company generates $3.8B 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 36.7/100 based on profitability, valuation, growth, and balance sheet metrics. The F 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
ExcellentBKRIF trades at attractive valuation levels.
Growth Score
WeakBKRIF faces weak or negative growth trends.
Financial Health Score
ModerateBKRIF shows balanced financial health with some risks.
Profitability Score
WeakBKRIF struggles to sustain strong margins.
Key Financial Metrics
Is BKRIF Expensive or Cheap?
P/E Ratio
BKRIF trades at 14.13 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BKRIF's PEG of -1.12 indicates potential undervaluation.
Price to Book
The market values Bank of Ireland Group plc at 1.36 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 229.88 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 $30.29 as profit after all expenses.
Operating Margin
Core operations generate 46.98 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.68 in profit for every $100 of shareholder equity.
ROA
Bank of Ireland Group plc generates $0.78 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 limited operating cash flow of $192.91M, signaling weaker underlying cash strength.
Free Cash Flow
Bank of Ireland Group plc generates weak or negative free cash flow of $-298.87M, restricting financial flexibility.
FCF Per Share
Each share generates $-0.31 in free cash annually.
FCF Yield
BKRIF converts -2.04% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.13
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-1.12
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.36
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.88
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.82
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.26
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.008
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 | 14.13 | 18.73 | Better (Cheaper) |
| ROE | 9.68% | 847.00% | Weak |
| Net Margin | 30.29% | 2562.00% | Weak |
| Debt/Equity | 0.82 | 0.93 | Neutral |
| Current Ratio | 0.26 | 674.76 | Weak Liquidity |
| ROA | 0.78% | -21692.00% (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