BIRG Stock Financial Analysis - Bank of Ireland Group plc (ISE) Stock

Overview

Bank of Ireland Group plc is a distinguished financial institution based in Dublin, Ireland. Primarily operating within the banking industry, the organization provides a comprehensive range of financial services including retail banking, corporate and treasury banking, and wealth management. A key player in both the Irish and international markets, Bank of Ireland is notably involved in ongoing projects aimed at digital transformation within its services to enhance customer experience and operational efficiency. The bank has made significant strides in integrating innovative digital solutions across its various branches and online platforms, thereby positioning itself as a forward-thinking leader in the financial services sector. These initiatives underscore the bank’s commitment to staying at the forefront of the banking industry while maintaining robust security and customer service standards.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Bank of Ireland Group plc as of 30 June 2025 is 4,021.00 MM.
The operating income for Bank of Ireland Group plc as of 30 June 2025 is 1,869.00 MM.
The net income for Bank of Ireland Group plc as of 30 June 2025 is 1,262.00 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	4,021.00	1,869.00	1,262.00
2025-03-31	4,169.00	2,023.00	1,396.50
2024-12-31	4,317.00	2,177.00	1,531.00
2024-09-30	4,266.50	2,212.00	1,577.00
2024-06-30	4,216.00	2,247.00	1,623.00
2024-03-31	4,152.50	2,207.00	1,609.00
2023-12-31	4,089.00	2,167.00	1,595.00
2023-09-30	3,898.00	2,028.00	1,502.50
2023-06-30	3,707.00	1,889.00	1,410.00
2023-03-31	3,332.00	1,539.50	1,130.00
2022-12-31	2,957.00	1,190.00	850.00
2022-09-30	3,019.50	1,264.00	925.00
2022-06-30	3,082.00	1,338.00	1,000.00
2022-03-31	3,133.50	1,408.50	1,024.00
2021-12-31	3,185.00	1,479.00	1,048.00
2021-09-30	2,901.50	1,198.00	700.00
2021-06-30	2,618.00	917.00	352.00
2021-03-31	2,071.50	359.50	-195.00
2020-12-31	1,525.00	-198.00	-742.00
2020-09-30	1,568.00	-164.00	-625.50
2020-06-30
2020-03-31

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31	1.42	1.42
2024-09-30	1.44	1.44
2024-06-30	1.47	1.47
2024-03-31	1.43	1.43
2023-12-31	1.40	1.40
2023-09-30	1.32	1.32
2023-06-30	1.23	1.23
2023-03-31	0.98	0.98
2022-12-31	0.73	0.73
2022-09-30	0.80	0.80
2022-06-30	0.87	0.87
2022-03-31	0.89	0.89
2021-12-31	0.91	0.91
2021-09-30	0.59	0.59
2021-06-30	0.27	0.27
2021-03-31	-0.23	-0.23
2020-12-31	-0.72	-0.72
2020-09-30
2020-06-30	-0.48	-0.48
2020-03-31	-0.04	-0.04

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Bank of Ireland Group plc as of 30 June 2025 is -597.00 MM.
The cash from investing activities for Bank of Ireland Group plc as of 30 June 2025 is -6,522.00 MM.
The cash from financing activities for Bank of Ireland Group plc as of 30 June 2025 is 1,795.00 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	-597.00	-6,522.00	1,795.00
2025-03-31	616.00	-3,539.50	561.00
2024-12-31	1,829.00	-557.00	-673.00
2024-09-30	2,733.00	-545.00	-1,925.00
2024-06-30	3,637.00	-533.00	-3,177.00
2024-03-31	-521.50	-746.50	-1,850.00
2023-12-31	-4,680.00	-960.00	-523.00
2023-09-30	-5,014.50	-575.00	-965.50
2023-06-30	-5,349.00	-190.00	-1,408.00
2023-03-31	-810.00	2,248.00	-2,041.00
2022-12-31	3,729.00	4,686.00	-2,674.00
2022-09-30	4,762.50	5,196.00	-252.00
2022-06-30	5,796.00	5,706.00	2,170.00
2022-03-31	5,994.50	3,274.00	8,013.50
2021-12-31	6,193.00	842.00	13,857.00
2021-09-30	4,965.50	-161.50	14,171.50
2021-06-30	3,738.00	-1,165.00	14,486.00
2021-03-31	840.00	-1,638.00	10,243.00
2020-12-31	-2,058.00	-2,111.00	6,000.00
2020-09-30	-2,081.00	-1,462.00	6,689.00
2020-06-30
2020-03-31

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Management Effectiveness

The roa for Bank of Ireland Group plc as of 30 June 2025 is 0.01.
The roe for Bank of Ireland Group plc as of 30 June 2025 is 0.10.
The roic for Bank of Ireland Group plc as of 30 June 2025 is 0.06.
The croic for Bank of Ireland Group plc as of 30 June 2025 is 0.02.
The ocroic for Bank of Ireland Group plc as of 30 June 2025 is 0.07.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.01	0.10	0.06	0.02	0.07
2025-03-31	0.01	0.12	0.06	0.02	0.07
2024-12-31	0.01	0.12	0.06	-0.00	0.13
2024-09-30	0.01	0.13	0.06	-0.00	0.13
2024-06-30	0.01	0.13	0.06	-0.23	-0.18
2024-03-31	0.01	0.13	0.06	-0.23	-0.18
2023-12-31	0.01	0.12	0.06	-0.25	-0.19
2023-09-30	0.01	0.12	0.06	-0.26	-0.20
2023-06-30	0.01	0.12	0.06	-0.27	-0.21
2023-03-31	0.01	0.10	0.05	-0.02	-0.03
2022-12-31	0.01	0.08	0.03	0.35	0.20
2022-09-30	0.01	0.08	0.03	0.35	0.20
2022-06-30	0.01	0.10	0.04	0.54	0.31
2022-03-31	0.01	0.10	0.04	0.68	0.28
2021-12-31	0.00	0.11	0.05	0.90	0.20
2021-09-30	0.01	0.08	0.03	0.81	0.20
2021-06-30	0.00	0.04	0.02	0.84	0.22
2021-03-31	-0.00	-0.02	-0.01	0.40	0.06
2020-12-31	-0.01	-0.07	-0.04	0.10	-0.07
2020-09-30	-0.00	-0.06	-0.03	0.16	-0.19
2020-06-30	-0.00	-0.05	-0.03	0.23	-0.11
2020-03-31	-0.00	-0.00	-0.00	0.16	-0.05

Gross Margins

The gross margin for Bank of Ireland Group plc as of 30 June 2025 is 1.00.
The net margin for Bank of Ireland Group plc as of 30 June 2025 is 0.35.
The operating margin for Bank of Ireland Group plc as of 30 June 2025 is 0.50.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.35	0.50
2025-03-31	1.00	0.35	0.50
2024-12-31	1.00	0.38	0.53
2024-09-30	1.00	0.38	0.53
2024-06-30	1.00	0.39	0.53
2024-03-31	1.00	0.39	0.53
2023-12-31	1.00	0.38	0.50
2023-09-30	1.00	0.38	0.50
2023-06-30	1.00	0.38	0.50
2023-03-31	1.00	0.34	0.45
2022-12-31	1.00	0.30	0.41
2022-09-30	1.00	0.30	0.41
2022-06-30	1.00	0.32	0.43
2022-03-31	1.00	0.32	0.44
2021-12-31	1.00	0.33	0.46
2021-09-30	1.00	0.24	0.41
2021-06-30	1.00	0.14	0.35
2021-03-31	1.00	-0.08	0.17
2020-12-31	1.00	-0.49	-0.14
2020-09-30	1.00	-0.39	-0.11
2020-06-30	1.00	-0.31	-0.08
2020-03-31	1.00	-0.02	0.17

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