Financials Bank of Ireland Group plc

Equities

BIRG

IE00BD1RP616

Banks

Market Closed - Irish S.E. 11:55:00 2024-05-17 am EDT 5-day change 1st Jan Change
10.38 EUR +2.27% Intraday chart for Bank of Ireland Group plc +5.33% +26.25%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 5,249 3,538 5,359 9,505 8,675 10,510 - -
Enterprise Value (EV) 1 5,249 3,538 5,359 9,505 8,675 10,510 10,510 10,510
P/E ratio 13.6 x -4.56 x 5.47 x 11.6 x 5.87 x 7.03 x 7 x 6.55 x
Yield - - 1% 2.36% - 6.41% 6.85% 7.27%
Capitalization / Revenue 1.85 x 1.36 x 1.82 x 2.94 x 1.96 x 2.42 x 2.47 x 2.46 x
EV / Revenue 1.85 x 1.36 x 1.82 x 2.94 x 1.96 x 2.42 x 2.47 x 2.46 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.54 x 0.37 x 0.48 x 0.8 x - 0.85 x 0.79 x 0.74 x
Nbr of stocks (in thousands) 1,075,129 1,072,000 1,074,823 1,068,000 1,055,636 1,035,939 - -
Reference price 2 4.882 3.300 4.986 8.900 8.218 10.14 10.14 10.14
Announcement Date 2/24/20 3/1/21 2/28/22 3/7/23 2/26/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 2,836 2,603 2,944 3,234 4,428 4,335 4,258 4,274
EBITDA - - - - - - - -
EBIT 1 934 747 1,167 1,345 2,401 2,163 2,072 2,040
Operating Margin 32.93% 28.7% 39.64% 41.59% 54.22% 49.9% 48.66% 47.73%
Earnings before Tax (EBT) 1 645 -776 1,221 1,056 1,938 1,901 1,792 1,767
Net income 1 386 -721 1,048 889 1,486 1,488 1,389 1,334
Net margin 13.61% -27.7% 35.6% 27.49% 33.56% 34.33% 32.62% 31.21%
EPS 2 0.3590 -0.7240 0.9120 0.7660 1.401 1.444 1.449 1.550
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - 0.0500 0.2100 - 0.6504 0.6954 0.7377
Announcement Date 2/24/20 3/1/21 2/28/22 3/7/23 2/26/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2019 S2 2020 S1 2020 S2 2021 S1 2021 S2 2022 S1 2022 S2 2023 S1 2023 S2 2024 S1 2024 S2 2025 S1 2025 S2
Net sales 1 1,378 1,253 1,350 1,418 1,526 1,384 1,850 2,215 2,213 2,221 2,116 2,177 2,131
EBITDA - - - - - - - - - - - - -
EBIT 1 499 271 476 466 - 445 - 1,184 1,217 1,015 - - -
Operating Margin 36.21% 21.63% 35.26% 32.86% - 32.15% - 53.45% 54.99% 45.7% - - -
Earnings before Tax (EBT) 1 - -822 46 406 - 335 - 1,000 913 933 - - -
Net income 1 191 -757 36 337 - 275 - 791 695 750 - - -
Net margin 13.86% -60.42% 2.67% 23.77% - 19.87% - 35.71% 31.41% 33.77% - - -
EPS - -0.7050 -0.0190 0.2820 - 0.2260 - 0.7410 - - - - -
Dividend per Share - - - - - - - - - - - - -
Announcement Date 2/24/20 8/5/20 3/1/21 8/3/21 2/28/22 8/3/22 3/7/23 7/31/23 2/26/24 - - - -
1EUR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 5.93% -7.52% 10.1% 7.69% - 13.2% 11.9% 11.4%
ROA (Net income/ Total Assets) 0.44% -0.54% 0.68% 0.59% - 1% 0.9% 0.87%
Assets 1 87,767 132,818 154,118 150,678 - 149,134 154,803 153,234
Book Value Per Share 2 8.960 8.890 10.50 11.10 - 11.90 12.80 13.60
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/24/20 3/1/21 2/28/22 3/7/23 2/26/24 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings
Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
13
Last Close Price
10.14 EUR
Average target price
11.85 EUR
Spread / Average Target
+16.85%
Consensus
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