Bank of Ireland Group PLC
Bank of Ireland Group PLC Fundamental Analysis
Bank of Ireland Group PLC (DD7E.IR) shows moderate financial fundamentals with a PE ratio of 15.43, profit margin of 35.52%, and ROE of 13.06%. The company generates N/A 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 40.2/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze DD7E.IR's fundamental strength across five key dimensions:
Efficiency Score
WeakDD7E.IR struggles to generate sufficient returns from assets.
Valuation Score
ExcellentDD7E.IR trades at attractive valuation levels.
Growth Score
WeakDD7E.IR faces weak or negative growth trends.
Financial Health Score
ModerateDD7E.IR shows balanced financial health with some risks.
Profitability Score
WeakDD7E.IR struggles to sustain strong margins.
Key Financial Metrics
Is DD7E.IR Expensive or Cheap?
P/E Ratio
DD7E.IR trades at 15.43 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, DD7E.IR's PEG of 0.15 indicates potential undervaluation.
Price to Book
The market values Bank of Ireland Group PLC at 1.96 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 4.11 times EBITDA. This is generally considered low.
How Well Does DD7E.IR Make Money?
Net Profit Margin
For every $100 in sales, Bank of Ireland Group PLC keeps $35.52 as profit after all expenses.
Operating Margin
Core operations generate 48.25 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.06 in profit for every $100 of shareholder equity.
ROA
Bank of Ireland Group PLC generates $1.02 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $-4.53 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.43
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.15
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.96
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.05
vs 25 benchmark
Current Ratio
Current assets to current liabilities
105.41
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How DD7E.IR Stacks Against Its Sector Peers
| Metric | DD7E.IR Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.43 | 18.59 | Better (Cheaper) |
| ROE | 13.06% | 801.00% | Weak |
| Net Margin | 35.52% | -498.00% (disorted) | Strong |
| Debt/Equity | 1.05 | 0.98 | Neutral |
| Current Ratio | 105.41 | 661.40 | Strong Liquidity |
| ROA | 1.02% | -21324.00% (disorted) | Weak |
DD7E.IR outperforms its industry in 3 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
56.27%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
308.68%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-17.65%
Industry Style: Value, Dividend, Cyclical
Declining