A Business at a Glance
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BANK OF IRELAND GROUP PLC ORD E operates in the Banks - Regional industry, Financial Services sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 4.7B | 4.7B | 4.7B | 4.8B | 3.2B | 3.2B |
| Net Income | 1.4B | 1.4B | 1.7B | 1.7B | 903M | 1.2B |
| EPS | $1.30 | $1.30 | $1.53 | $1.52 | $0.77 | $1.08 |
| Free Cash Flow | 4.3B | 4.3B | 2.7B | 4.6B | 1.6B | 23.2B |
| ROIC | 0.7% | 9.1% | 11.5% | 12.6% | 7.1% | 9.3% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | - | - | - | - | - |
| Dividends/Share | $0.56 | $0.56 | $0.97 | $0.21 | $0.05 | - |
| Operating Income | 1.5B | 1.5B | 2.0B | 2.1B | 1.0B | 1.4B |
| Operating Margin | 33.1% | 33.1% | 41.9% | 43.9% | 31.6% | 45.4% |
| ROE | 9.3% | 9.5% | 11.9% | 13.5% | 7.1% | 10.2% |
| Shares Outstanding | 1,046M | 1,046M | 1,079M | 1,143M | 1,177M | 1,157M |
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|
| Income Statement | |||||||
| Revenue | 2.9B | 3.2B | 3.2B | 4.8B | 4.7B | 4.7B | 4.7B |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | -883M | 1.4B | 1.0B | 2.1B | 2.0B | 1.5B | 1.5B |
| Op. Margin | -30.6% | 45.4% | 31.6% | 43.9% | 41.9% | 33.1% | 33.1% |
| Net Income | -812M | 1.2B | 903M | 1.7B | 1.7B | 1.4B | 1.4B |
| Net Margin | -28.1% | 39.4% | 28.0% | 36.6% | 35.4% | 29.1% | 29.1% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||
| ROIC | -6.3% | 9.3% | 7.1% | 12.6% | 11.5% | 9.1% | 0.7% |
| ROE | -7.3% | 10.2% | 7.1% | 13.5% | 11.9% | 9.5% | 9.3% |
| ROA | -0.5% | 0.7% | 0.5% | 1.1% | 1.0% | 0.8% | 0.7% |
| Cash Flow | |||||||
| Op. Cash Flow | 4.8B | 23.3B | 1.7B | 4.8B | 2.9B | 4.5B | 4.5B |
| Free Cash Flow | 4.7B | 23.2B | 1.6B | 4.6B | 2.7B | 4.3B | 4.3B |
| Owner Earnings | 4.4B | 23.0B | 1.5B | 4.5B | 2.5B | 4.2B | 4.2B |
| CapEx | 62M | 86M | 110M | 126M | 151M | 181M | 181M |
| Maint. CapEx | 323M | 291M | 250M | 296M | 336M | 368M | 368M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 323M | 291M | 250M | 296M | 336M | 368M | 368M |
| CapEx/OCF | 1.3% | 0.4% | 6.4% | 2.6% | 5.3% | 4.0% | 4.0% |
| Capital Allocation | |||||||
| Dividends Paid | 0 | 0 | 57M | 244M | 1.1B | 581M | 581M |
| Dividend Yield | N/A | N/A | 0.7% | 2.2% | 9.6% | 3.9% | 3.4% |
| Share Buybacks | 0 | 0 | 53M | 136M | 562M | 667M | 667M |
| Buyback Yield | 0.0% | 0.0% | 0.5% | 1.3% | 5.8% | 3.3% | 3.9% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | -27.9B |
| Cash & Equiv. | 15.2B | 40.0B | 42.0B | 36.5B | 36.9B | 27.9B | 27.9B |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Interest Coverage | -1.2 | 2.2 | 1.5 | 0.7 | 0.6 | 0.7 | 0.7 |
| Equity | 11.0B | 13.3B | 12.1B | 13.6B | 14.1B | 14.6B | 14.6B |
| Total Assets | 153.6B | 183.2B | 158.7B | 169.1B | 174.8B | 186.6B | 186.6B |
| Total Liabilities | 142.6B | 169.8B | 146.5B | 155.4B | 160.8B | 171.9B | 171.9B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 8.4B | 10.4B | 9.7B | 11.2B | 11.3B | 11.7B | 11.7B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||
| EPS | -0.83 | 1.08 | 0.77 | 1.52 | 1.53 | 1.30 | 1.30 |
| Owner EPS | 4.55 | 19.90 | 1.25 | 3.91 | 2.33 | 3.97 | 3.97 |
| Book Value | 11.31 | 11.50 | 10.31 | 11.93 | 13.02 | 13.98 | 13.98 |
| Cash Flow/Share | 4.89 | 20.15 | 1.46 | -4.17 | 2.64 | 4.32 | 1.65 |
| Dividends/Share | N/A | N/A | 0.05 | 0.21 | 0.97 | 0.56 | 0.56 |
| Shares Out. | 976.5M | 1.2B | 1.2B | 1.1B | 1.1B | 1.0B | 1.0B |
| Valuation | |||||||
| P/E Ratio | -4.8 | 5.2 | 11.7 | 6.0 | 5.9 | 15.0 | 12.7 |
| P/FCF | 0.8 | 0.3 | 6.6 | 2.2 | 3.6 | 4.7 | 4.0 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | -6.8 |
| Price/Book | 0.4 | 0.5 | 0.9 | 0.8 | 0.7 | 1.4 | 1.2 |
| Price/Sales | 1.4 | 2.1 | 3.3 | 2.2 | 2.1 | 4.4 | 3.7 |
| FCF Yield | 119.9% | 358.0% | 15.2% | 44.5% | 27.8% | 21.2% | 25.1% |
| Market Cap | 3.9B | 6.5B | 10.5B | 10.4B | 9.7B | 20.4B | 17.3B |
| Avg. Price | 2.80 | 5.33 | 6.73 | 9.89 | 10.11 | 14.15 | 16.54 |
| Year-End Price | 4.02 | 5.61 | 8.95 | 9.12 | 9.01 | 19.52 | 16.54 |
BANK OF IRELAND GROUP PLC ORD E passes 4 of 9 quality checks, suggesting mixed fundamentals.
BANK OF IRELAND GROUP PLC ORD E trades at 12.7x trailing earnings, compared to its 15-year median P/E of 6.0x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 4.0x vs a median of 2.9x. The company's 5-year average ROIC is 9.9%. Total shareholder yield (dividends + buybacks) is 7.2%. At current prices, the estimated annualized return to fair value is -8.2%.
BANK OF IRELAND GROUP PLC ORD E (BIRG-L) has a current P/E ratio of 12.7, compared to its historical median P/E of 6.0. The stock is currently considered Expensive based on its historical valuation range.
BANK OF IRELAND GROUP PLC ORD E (BIRG-L) has a 5-year average return on invested capital (ROIC) of 9.9%. This is below average and may indicate limited pricing power.
BANK OF IRELAND GROUP PLC ORD E (BIRG-L) has a market capitalization of $17.3B. It is classified as a large-cap stock.
Yes, BANK OF IRELAND GROUP PLC ORD E (BIRG-L) pays a dividend with a trailing twelve-month yield of 3.36%. The company also returns capital through share buybacks, with a buyback yield of 3.85%.
Based on historical P/E analysis, BANK OF IRELAND GROUP PLC ORD E (BIRG-L) appears expensive. The current P/E of 12.7 is 112% above its historical median of 6.0. The estimated fair value CAGR (P/E method) is 28.6%.
BANK OF IRELAND GROUP PLC ORD E (BIRG-L) operates in the Banks - Regional industry, within the Financial Services sector.
BANK OF IRELAND GROUP PLC ORD E (BIRG-L) reported annual revenue of $4.7 billion in its most recent fiscal year, based on SEC EDGAR filings.
BANK OF IRELAND GROUP PLC ORD E (BIRG-L) has a net profit margin of 29.1%. This is a strong margin indicating high profitability.
BANK OF IRELAND GROUP PLC ORD E (BIRG-L) generated $4.3 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
BANK OF IRELAND GROUP PLC ORD E (BIRG-L) reported earnings per share (EPS) of $1.30 in its most recent fiscal year.
BANK OF IRELAND GROUP PLC ORD E (BIRG-L) has a return on equity (ROE) of 9.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 6 years of financial data for BANK OF IRELAND GROUP PLC ORD E (BIRG-L), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
BANK OF IRELAND GROUP PLC ORD E (BIRG-L) has a book value per share of $13.98, based on its most recent annual SEC filing.
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