EG7 Stock Financial Analysis - FBD Holdings plc (ISE) Stock

Overview

FBD Holdings plc is a prominent insurance company based in Ireland, focused on providing a range of business and personal insurance services. Established in the 1960s, the company originally catered exclusively to the agricultural sector but has since expanded its offerings to include a variety of property, motor, and liability insurance products aimed at larger commercial markets and individual customers. FBD Holdings has a significant presence throughout Ireland, with local offices strategically situated to maintain close client relationships and provide tailored insurance solutions. The company also engages in select joint ventures and strategic partnerships, consistently enhancing its service portfolio and leveraging technological advancements to improve customer service and claims processing efficiency.

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 FBD Holdings plc as of 30 June 2025 is 483.76 MM.
The operating income for FBD Holdings plc as of 30 June 2025 is 103.57 MM.
The net income for FBD Holdings plc as of 30 June 2025 is 53.97 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	483.76	103.57	53.97
2025-03-31	474.44	110.75	60.59
2024-12-31	465.12	117.92	67.20
2024-09-30	455.60	117.80	65.75
2024-06-30	446.07	117.67	64.29
2024-03-31	434.42	120.23	66.91
2023-12-31	422.78	122.79	69.54
2023-09-30	408.68	129.82	79.11
2023-06-30	394.58	136.85	88.68
2023-03-31	379.68	119.29	73.12
2022-12-31	364.77	101.73	57.56
2022-09-30	359.94	106.93	68.45
2022-06-30	355.11	112.12	79.34
2022-03-31	356.67	112.58	87.87
2021-12-31	358.23	113.04	96.41
2021-09-30	356.03	76.61	64.13
2021-06-30	353.83	40.18	31.86
2021-03-31	345.20	24.93	18.12
2020-12-31	336.57	9.69	4.39
2020-09-30	339.71	38.76	30.30
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
2024-09-30
2024-06-30	1.81	1.78
2024-03-31	1.87	1.84
2023-12-31	1.94	1.90
2023-09-30	2.19	2.15
2023-06-30	2.45	2.39
2023-03-31	2.03	1.98
2022-12-31	1.61	1.57
2022-09-30	1.92	1.88
2022-06-30	2.24	2.20
2022-03-31	2.49	2.44
2021-12-31	2.74	2.68
2021-09-30	1.82	1.77
2021-06-30	0.91	0.87
2021-03-31	0.52	0.50
2020-12-31	0.13	0.12
2020-09-30	0.86	0.85
2020-06-30	1.60	1.59
2020-03-31	2.21	2.18

Cash Flow: Operations, Investing, Financing

The cash from operating activities for FBD Holdings plc as of 30 June 2025 is 62.78 MM.
The cash from investing activities for FBD Holdings plc as of 30 June 2025 is 48.93 MM.
The cash from financing activities for FBD Holdings plc as of 30 June 2025 is -75.83 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	62.78	48.93	-75.83
2025-03-31	73.46	27.05	-77.67
2024-12-31	84.13	5.17	-79.50
2024-09-30	79.90	13.13	-79.46
2024-06-30	75.68	21.10	-79.42
2024-03-31	70.38	4.29	-77.45
2023-12-31	65.09	-12.52	-75.48
2023-09-30	53.62	-24.89	-57.55
2023-06-30	42.16	-37.27	-39.63
2023-03-31	72.45	-53.11	-39.48
2022-12-31	102.75	-68.96	-39.34
2022-09-30	108.80	-84.51	-39.34
2022-06-30	114.84	-100.06	-39.34
2022-03-31	84.52	-57.93	-21.40
2021-12-31	54.20	-15.80	-3.46
2021-09-30	61.34	-20.79	-3.46
2021-06-30	68.47	-25.78	-3.46
2021-03-31	73.79	-33.42	-3.47
2020-12-31	79.10	-41.07	-3.48
2020-09-30	58.70	-27.24	-3.47
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 FBD Holdings plc as of 30 June 2025 is 0.05.
The roe for FBD Holdings plc as of 30 June 2025 is 0.12.
The roic for FBD Holdings plc as of 30 June 2025 is 0.12.
The croic for FBD Holdings plc as of 30 June 2025 is 0.02.
The ocroic for FBD Holdings plc as of 30 June 2025 is 0.16.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.05	0.12	0.12	0.02	0.16
2025-03-31	0.00	0.00
2024-12-31	0.05	0.14	0.12	0.03	0.15
2024-09-30	0.05	0.14	0.12	0.03	0.15
2024-06-30	0.05	0.15	0.13	-0.04	0.12
2024-03-31	0.05	0.16	0.13	-0.04	0.12
2023-12-31	0.06	0.19	0.15	-0.06	0.10
2023-09-30	0.06	0.24	0.19	-0.06	0.07
2023-06-30	0.04	0.24	0.19	-0.06	0.07
2023-03-31	0.04	0.20	0.16	-0.03	0.12
2022-12-31	0.06	0.17	0.16	-0.03	0.20
2022-09-30	0.06	0.17	0.16	-0.03	0.20
2022-06-30	0.06	0.23	0.20	-0.06	0.22
2022-03-31	0.06	0.24	0.21	0.01	0.17
2021-12-31	0.02	0.25	0.18	0.07	0.15
2021-09-30	0.04	0.17	0.12	0.07	0.15
2021-06-30	0.02	0.09	0.07	0.09	0.15
2021-03-31	0.01	0.05	0.04	0.08	0.16
2020-12-31	0.00	0.01	0.01	0.08	0.18
2020-09-30	0.02	0.08	0.07	0.06	0.13
2020-06-30	0.04	0.18	0.13	0.05	0.09
2020-03-31	0.06	0.25	0.18	0.05	0.10

Gross Margins

The gross margin for FBD Holdings plc as of 30 June 2025 is 0.27.
The net margin for FBD Holdings plc as of 30 June 2025 is 0.14.
The operating margin for FBD Holdings plc as of 30 June 2025 is 0.25.

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	0.27	0.14	0.25
2025-03-31
2024-12-31	0.32	0.14	0.26
2024-09-30	0.32	0.14	0.26
2024-06-30	0.33	0.17	0.29
2024-03-31	0.33	0.17	0.29
2023-12-31	0.61	0.26	0.31
2023-09-30	0.61	0.26	0.31
2023-06-30	0.53	0.26	0.31
2023-03-31	0.53	0.23	0.27
2022-12-31	0.63	0.24	0.28
2022-09-30	0.63	0.24	0.28
2022-06-30	0.62	0.28	0.33
2022-03-31	0.62	0.27	0.32
2021-12-31	0.40	0.27	0.31
2021-09-30	0.40	0.18	0.22
2021-06-30	0.40	0.09	0.11
2021-03-31	0.36	0.05	0.07
2020-12-31	0.30	0.01	0.02
2020-09-30	0.39	0.09	0.11
2020-06-30	0.47	0.16	0.20
2020-03-31	0.52	0.22	0.26