-3.45%
7.47%
6.24%
1.48%
15.19%
48.74%
107.04%
AI Spotlight on BIRG
Company Description
Bank of Ireland Group plc provides various banking and financial products and services.The company operates through Retail Ireland, Wealth and Insurance, Retail UK, and Corporate and Treasury segments.It provides current and savings accounts, and business deposits and accounts; personal, car, home improvement, graduate, and student loans, as well as overdrafts; and business and farming loans, BREXIT loans, invoice finance, hire purchase, and leasing services.
The company also offers international payments and credit cards; protection overview, mortgage protection, life cover, specified illness cover, income protection, protection for individuals, and protection for families; pensions and investments, foreign exchange, and treasury deposits and services; personal products; private banking services; and leveraged acquisition and property finance.In addition, it provides home, car, travel, and life insurance products.Bank of Ireland Group plc was founded in 1783 and is headquartered in Dublin, Ireland.
Market Data
| Last Price | 9.3 |
| Change Percentage | -3.45% |
| Open | 9.37 |
| Previous Close | 9.63 |
| Market Cap ( Millions) | 9328 |
| Volume | 1918619 |
| Year High | 10.79 |
| Year Low | 7.87 |
| M A 50 | 8.85 |
| M A 200 | 9.56 |
Financial Ratios
| FCF Yield | 37.30% |
| Dividend Yield | 10.22% |
| ROE | 12.22% |
| Debt / Equity | 92.85% |
| Net Debt / EBIDTA | 5569.91% |
| Price To Book | 0.77 |
| Price Earnings Ratio | 6.31 |
| Price To FCF | 2.68 |
| Price To sales | 2.21 |
| EV / EBITDA | 28.97 |
News
- Jan -29 - Bank of Ireland UK commits $124m to upgrade services
- Jan -06 - Top Dividend Stocks To Consider In January 2025
- Dec -23 - Bank of Ireland UK invests $5m to enhance invoice finance services
- Dec -02 - Bank of Ireland divests Islamic home-finance portfolio to UK fintech Offa
- Nov -20 - 3 Dividend Stocks Yielding Up To 8.7% For Your Portfolio
- Nov -05 - Bank of Ireland sells €800m UK loan portfolio to GoldenTree
- Jul -01 - Regulator in Ireland cracks down on motor finance commission practices
- Feb -26 - Financial Services Roundup: Market Talk
- Nov -08 - ‘Far too early’ to discuss reducing rates, says Central Bank of Ireland governor
- Aug -18 - Bank of Ireland CEO says focus is on restoring services after tech issue
- Aug -16 - Bank of Ireland glitch allowed customers to withdraw money they didn't have
- Aug -16 - UPDATE 2-Bank of Ireland says it has fixed glitch that sparked flurry of withdrawals
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Corporate and Commercial
Expected Growth : 1.2 %
What the company do ?
Corporate and Commercial Banking from Bank of Ireland Group plc provides financial solutions to large corporations, SMEs, and institutional clients.
Why we expect these perspectives ?
The 1.2% growth in Corporate and Commercial segment of Bank of Ireland Group plc is driven by increased lending to large corporates, growth in transactional banking, and expansion in the UK market. Additionally, the segment has benefited from a strong focus on customer relationships, digital transformation, and cost management initiatives.
Segment n°2 -> Retail UK
Expected Growth : 0.8 %
What the company do ?
Retail UK is a division of Bank of Ireland Group plc, providing personal and business banking services to customers in the UK.
Why we expect these perspectives ?
The 0.8% growth in Retail UK from Bank of Ireland Group plc is driven by increasing consumer spending, low unemployment rates, and a competitive interest rate environment. Additionally, the segment has benefited from the bank's digital transformation initiatives, improved customer experience, and a strong brand presence in the UK market.
Segment n°3 -> Retail Ireland
Expected Growth : 1.0 %
What the company do ?
Retail Ireland is the retail banking division of Bank of Ireland Group plc, providing personal and business banking services to customers in Ireland.
Why we expect these perspectives ?
Retail Ireland's 1.0% growth is driven by a stable economy, increasing consumer spending, and a growing demand for digital banking services. Additionally, the segment benefits from a strong brand presence, a large customer base, and a diversified product offering. Furthermore, strategic investments in technology and operational efficiency initiatives contribute to the segment's growth.
Segment n°4 -> Group Centre
Expected Growth : 0.5 %
What the company do ?
The Group Centre from Bank of Ireland Group plc refers to the central headquarters that oversees and manages the overall strategy and operations of the bank.
Why we expect these perspectives ?
Group Centre's 0.5% growth is driven by disciplined cost management, optimisation of operational efficiencies, and strategic investments in digital transformation, enabling the bank to maintain a strong capital position and support growth initiatives, while navigating a challenging low-interest-rate environment.
Segment n°5 -> Wealth and Insurance
Expected Growth : 1.5 %
What the company do ?
Wealth and Insurance from Bank of Ireland Group plc provides investment and insurance products to individuals and businesses, offering a range of services including pensions, investments, and protection insurance.
Why we expect these perspectives ?
Wealth and Insurance segment growth of 1.5% in Bank of Ireland Group plc is driven by increasing demand for pension products, expansion of insurance offerings, and strategic partnerships. Additionally, the segment benefits from a strong brand presence, diversified distribution channels, and a growing Irish economy.
Segment n°6 -> Other Reconciling Items
Expected Growth : 0.3 %
What the company do ?
Other Reconciling Items from Bank of Ireland Group plc refers to the differences between the bank's internal records and the external statements, including timing differences, rounding, and other minor discrepancies.
Why we expect these perspectives ?
The 0.3% growth in Other Reconciling Items of Bank of Ireland Group plc is driven by increasing fee income from transactional services, higher interest income from liquidity buffers, and a slight decrease in operating expenses, partially offset by elevated regulatory costs and provisioning for potential credit losses.
Bank Of Ireland Group Plc Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | Bank of Ireland Group plc offers a range of personal banking products and services, including current accounts, savings accounts, credit cards, personal loans, and mortgages. |
| Business Banking | The bank provides business banking services, including business current accounts, loans, overdrafts, and credit cards, to support small to medium-sized enterprises (SMEs). |
| Corporate Banking | Bank of Ireland Group plc offers corporate banking services, including cash management, trade finance, and risk management solutions, to large corporations and institutions. |
| Wealth Management | The bank provides wealth management services, including investment advice, portfolio management, and pension planning, to individuals and families. |
| Insurance | Bank of Ireland Group plc offers a range of insurance products, including life insurance, home insurance, and car insurance, to individuals and businesses. |
| Mortgages | The bank provides mortgage lending services to individuals and businesses, including residential and commercial mortgages. |
| Credit Cards | Bank of Ireland Group plc offers a range of credit cards, including cashback, rewards, and low-interest credit cards, to individuals and businesses. |
Bank of Ireland Group plc's Porter Forces
Threat Of Substitutes
The threat of substitutes for Bank of Ireland Group plc is moderate due to the presence of alternative financial institutions and digital payment platforms.
Bargaining Power Of Customers
The bargaining power of customers is low for Bank of Ireland Group plc due to the lack of pricing power and limited alternatives for customers.
Bargaining Power Of Suppliers
The bargaining power of suppliers is moderate for Bank of Ireland Group plc due to the presence of multiple suppliers and the bank's significant purchasing power.
Threat Of New Entrants
The threat of new entrants is low for Bank of Ireland Group plc due to the high barriers to entry and regulatory requirements in the banking industry.
Intensity Of Rivalry
The intensity of rivalry is high for Bank of Ireland Group plc due to the presence of multiple competitors and the need to maintain market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 51.15% |
| Debt Cost | 9.89% |
| Equity Weight | 48.85% |
| Equity Cost | 9.89% |
| WACC | 9.89% |
| Leverage | 104.71% |
Bank of Ireland Group plc : Quality Control
Bank of Ireland Group plc passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| IFS | Intercorp Financial Services Inc. provides banking, insurance, and wealth management services for retail and commercial clients in Peru. The company operates through three segments: Banking, Insurance, and Wealth Management. It … |
| BAP | Credicorp Ltd., a financial service holding company, provides various financial, insurance, and health services and products primarily in Peru and internationally. The company's Universal Banking segment offers deposits and current … |
| ZUGER.SW | Zuger Kantonalbank provides various banking products and services to private and corporate clients in Switzerland. It offers private banking products comprising bank accounts in various currencies and card products; personal, … |
| LUKN.SW | Luzerner Kantonalbank AG provides various banking products and services to individuals, companies, institutions, families, and non-profit organizations in Switzerland. It offers accounts and deposit products; savings and pension solutions; investment … |
| BCP.LS | Banco Comercial Português, S.A., together with its subsidiaries, provides various banking and financial products and services under the Millennium bcp brand. It operates through Retail Banking; Companies, Corporate & Investment … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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