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Overview
Profile

Bank of Ireland Group stock

BIRG.IR
IE00BD1RP616
A2DR6L

Price

9.35
Today +/-
-0.68
Today %
-7.00 %
P

Bank of Ireland Group stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Bank of Ireland Group stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Bank of Ireland Group stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Bank of Ireland Group stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Bank of Ireland Group's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Bank of Ireland Group Stock Price History

DateBank of Ireland Group Price
10/1/20249.35 undefined
9/30/202410.03 undefined
9/27/202410.49 undefined
9/26/202410.78 undefined
9/25/202410.27 undefined
9/24/202410.32 undefined
9/23/202410.28 undefined
9/20/202410.44 undefined
9/19/202410.38 undefined
9/18/202410.01 undefined
9/17/20249.95 undefined
9/16/20249.79 undefined
9/13/20249.91 undefined
9/12/20249.88 undefined
9/11/20249.76 undefined
9/10/20249.91 undefined
9/9/20249.97 undefined
9/6/20249.93 undefined
9/5/202410.14 undefined
9/4/202410.05 undefined
9/3/202410.12 undefined

Bank of Ireland Group Revenue, EBIT, Net Income

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  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Bank of Ireland Group, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Bank of Ireland Group from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Bank of Ireland Group’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Bank of Ireland Group. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Bank of Ireland Group’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Bank of Ireland Group’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Bank of Ireland Group’s growth potential.

Bank of Ireland Group Revenue, EBIT and net profit per share

DateBank of Ireland Group RevenueBank of Ireland Group Net Income
2026e4.32 B undefined1.59 B undefined
2025e4.29 B undefined1.49 B undefined
2024e4.4 B undefined1.6 B undefined
20239.08 B undefined1.49 B undefined
20226.18 B undefined781 M undefined
20216.86 B undefined980 M undefined
20205.2 B undefined-777 M undefined
20196.22 B undefined386 M undefined
20184.41 B undefined620 M undefined
20175.26 B undefined636 M undefined
20165.57 B undefined718 M undefined
20155.98 B undefined745 M undefined
20146.62 B undefined645 M undefined
20136.15 B undefined-698 M undefined
20126.55 B undefined-2.03 B undefined
20118.07 B undefined-124 M undefined
20108.91 B undefined-821 M undefined
20097.39 B undefined-1.67 B undefined
20089.96 B undefined42 M undefined
200712.65 B undefined1.69 B undefined
200612.04 B undefined1.64 B undefined
20059.13 B undefined1.22 B undefined
20048.16 B undefined1.06 B undefined

Bank of Ireland Group Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (B)EBIT MARGIN (%)NET INCOME (B)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (B)DOCUMENTS
199219931994199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e
2.352.172.012.222.073.274.234.025.325.355.045.098.169.1312.0412.659.967.398.918.076.556.156.625.985.575.264.416.225.26.866.189.084.44.294.32
--7.83-7.1610.14-6.5957.8129.53-5.0632.600.47-5.761.0560.1311.9331.915.04-21.23-25.8520.53-9.41-18.81-6.097.58-9.64-6.79-5.60-16.2341.23-16.5031.94-9.9547.01-51.50-2.660.86
-----------------------------------
00000000000000000000000000000000000
000000000000000000000000000000002.22.12.08
-----------------------------------
0.070.20.270.250.320.450.770.690.730.90.830.941.061.221.641.690.04-1.67-0.82-0.12-2.03-0.70.650.750.720.640.620.39-0.780.980.781.491.61.491.59
-195.6529.90-4.9126.5940.7571.49-10.395.9422.44-7.7113.2012.8315.3634.433.00-97.51-4,085.71-50.96-84.901,537.10-65.62-192.4115.50-3.62-11.42-2.52-37.74-301.30-226.13-20.3190.277.74-6.876.44
-----------------------------------
-----------------------------------
0.090.10.090.10.10.110.110.050.050.050.050.050.050.050.050.050.050.050.130.5211.011.081.081.081.081.081.081.071.081.071.06000
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Details

Keystats

ⓘ

Revenue and Growth

The Bank of Ireland Group Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Bank of Ireland Group is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (B)LONG-T. INVEST. (B)LONG-T. REC. (M)INTANGIBLE ASSETS (B)GOODWILL (M)OTHER NON-CURRENT ASSETS (B)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (B)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (B)PROVISIONS (B)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
19921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                                               
00000000000000000000000000000000
00000000000000000000000000000000
00000000000000000000000000000000
00000000000000000000000000000000
00000000000000000000000000000000
00000000000000000000000000000000
0.480.50.480.510.490.820.840.981.151.231.211.271.221.671.812.11.911.671.680.340.330.320.320.330.350.430.441.010.890.820.80.8
0.050.010.010.010.220.340.030.030.170.040.080.325.790.10.10.10.170.220.230.320.320.30.290.140.130.130.120.130.110.120.170.19
00000000000000000000000000000000
0000000000000.570.590.60.570.490.460.410.390.370.370.410.530.640.750.770.80.730.830.981.11
000000092272712661472193753472934748440000003134362527299300
0.01000000000000.10.030.110.390.590.871.263.831.641.711.781.491.311.321.811.221.331.791.731.5
0.530.50.490.520.71.170.871.011.541.541.551.747.912.762.963.453.23.263.614.882.662.712.82.492.422.663.183.23.083.583.973.9
0.530.50.490.520.71.170.871.011.541.541.551.747.912.762.963.453.23.263.614.882.662.712.82.492.422.663.183.23.083.583.973.9
                                                               
0.630.620.620.630.640.670.680.690.690.680.680.680.660.660.660.660.70.71.212.452.452.562.562.562.551.081.081.081.081.081.071.06
0.240.280.290.310.330.590.630.680.730.770.770.770.770.770.770.784.094.093.935.131.211.141.141.140.570.460.460.460.460.460.460.46
0.080.240.380.610.810.731.521.742.162.542.542.782.93.575.136.235.293.754.264.25.354.54.794.275.747.788.418.657.799.369.8110.91
000000000000049233-726-1,684-1,485-1,216-783-499-761-327623200-802-843-71763237149166
051211111217168252208181239158368219-237-1,450-579-814-719155472606536370376164192190156-17-22
0.941.141.311.561.792.012.863.283.834.24.164.464.485.427.016.716.946.477.3710.288.677.98.779.129.438.899.279.669.5811.2911.4712.57
0000000000000001.551.251.181.4801.381.110.880.710.490.490.5100000
0.190.170.150.260.340.710.670.610.770.670.540.6200.921.270.260.230.220.2600.210.170.160.180.150.150.0300000
33405063000000000001021031211398623283035191211331218823
00000000000000009627041202161430103130000000
0000000000000000000000000000009670
0.220.210.20.320.340.710.670.610.770.670.540.6200.921.271.911.681.782.290.091.831.451.071.030.670.650.560.030.010.020.980.02
1.421.761.581.51.432.581.934.697.538.912.3616.625.344.9570.2772.9760.6355.2336.9120.5519.7816.9618.5515.6912.1310.511.0111.068.310.929.8510.67
050194293658672895466212207278131501349188929271686253427164903861
1.882.512.732.712.926.487.387.969.39.611.0813.2816.816.8817.5615.5313.0115.0714.6721.7921.5319.822.6824.0521.5721.4720.6324.1424.7327.2126.6229.11
3.34.274.314.234.49.159.3712.7416.918.5923.4929.9442.3262.0488.1188.6373.6970.4451.6742.4241.436.8641.2939.8133.7632.0331.6835.2733.138.2136.5139.85
3.524.484.524.554.749.8610.0413.3517.6719.2624.0330.5742.3262.9689.3790.5575.3772.2253.9642.5143.2338.3142.3640.8334.4332.6832.2435.333.1138.2337.4939.87
4.465.625.836.116.5411.8712.916.6321.523.4628.1935.0346.868.3896.3897.2682.3178.761.3352.7951.946.2251.1349.9643.8641.5741.5144.9642.6949.5248.9552.43
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Bank of Ireland Group provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Bank of Ireland Group's financial health and stability.

Assets

Bank of Ireland Group's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Bank of Ireland Group must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Bank of Ireland Group after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Bank of Ireland Group's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)DEPRECIATION (B)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (B)NON-CASH ITEM (B)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (B)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (B)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
19921993199419951996199719981999200020012002200320042005200620072008null200920102011201220132014201520162017201820192020202120222023
0.160.360.410.460.50.60.80.921.081.121.161.241.281.521.961.93-0.02-0.01-1.81-0.95-0.21-2.18-0.520.921.231.040.850.840.65-0.761.221.061.94
0.050.060.080.050.060.070.10.120.130.160.180.180.180.170.150.140.180.180.110.152.10.140.120.120.130.130.170.240.320.280.250.240.27
000000000000000000000000000000000
0.18-0.321.070.4-0.271.15-0.43-0.660.42.17-0.531.893.724.951.220.19-5.16-5.15-1.43-5.85-7.36-2.95-1.76-1.13-1.620.010.870.622.034.0517.862.15-8.12
-0.12-0.070-0.020.010.180.09-0.120.160.03-0.05-0.020.07-0.04-0.150.491.181.15-0.690.63-1.040.9-0.19-0.30.040.140.370.280.310.580.43-1.821.52
00000000000000000000240136159159192190881151229884161179
526295117103145138192142153180201155230272276215215-45-2-223650256798105445456877258
0.270.031.550.90.320.560.261.773.470.763.295.256.63.182.76-3.83-3.83-3.83-6.02-6.51-4.09-2.35-0.39-0.211.322.261.973.34.1519.761.63-4.39
-76-71-87-93-82-116-173-207-253-331-299-259-187-156-166-152-194-194-58-91-103-120-117-137-225-280-279-279-304-283-320-368-413
-0.55-0.08-0.62-0.7-0.46-0.87-0.19-0.32-1.39-2.67-1.54-3.05-4.04-7.39-5.791.280.870.876.785.2312.753.15-0.77-0.351.77-1.17-1.05-3.550.65-2.110.844.69-0.96
-0.47-0.01-0.53-0.61-0.38-0.75-0.02-0.11-1.14-2.34-1.24-2.8-3.85-7.24-5.631.431.061.066.845.3212.853.27-0.65-0.212-0.89-0.78-3.270.96-1.831.165.05-0.55
000000000000000000000000000000000
000.1-0.120.23-0.02-0.030.340.0500.330.960.442.411.480.42-0.04-0.04-0.68-0.750.990.2500.750-10.720-0.52-0.270.45-0.3-0.17
0.050.020.010.010.010.220.02-0.430.61-0.25-0.13-0.350.010.050.130.193.383.38-0.010.91.79-00.0300-1.300000-0.05-0.23
-0.02-0.060.03-0.190.130.09-0.16-0.290.42-0.54-0.150.22-0.211.760.71-0.472.532.53-0.84-0.561.33-0.75-0.69-0.250.36-3.330.57-0.3-0.88-0.210.29-0.57-0.81
010000000000-245-252-379-466-432-432-148-709-1,223-802-485-862502-822-119-177-18458-159-169-185
-70-76-78-84-106-113-150-201-236-288-358-389-417-448-524-611-387-38700-222-196-240-141-141-207-31-124-17300-54-225
-0.3-0.110.960-0.031.220.21-0.350.80.26-0.940.450.980.95-1.873.35-0.39-0.391.93-1.057.64-1.44-3.57-1.31.52-2.681.9-1.852.981.9420.675.91-6.2
190-381,4658032181,884382521,5193,1434583,0295,0586,4393,0142,603-4,0230-3,888-6,115-6,615-4,207-2,465-528-4391,0361,9801,6892,9983,87119,4371,261-4,805
000000000000000000000000000000000

Bank of Ireland Group stock margins

The Bank of Ireland Group margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Bank of Ireland Group. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Bank of Ireland Group.

  • 3 years

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Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Bank of Ireland Group's sales revenue. A higher gross margin percentage indicates that the Bank of Ireland Group retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Bank of Ireland Group's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Bank of Ireland Group's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Bank of Ireland Group's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Bank of Ireland Group. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Bank of Ireland Group's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Bank of Ireland Group Margin History

DateBank of Ireland Group Profit margin
2026e36.71 %
2025e34.79 %
2024e36.36 %
202316.37 %
202212.65 %
202114.29 %
2020-14.95 %
20196.2 %
201814.07 %
201712.09 %
201612.88 %
201512.46 %
20149.75 %
2013-11.35 %
2012-30.99 %
2011-1.54 %
2010-9.22 %
2009-22.66 %
20080.42 %
200713.32 %
200613.58 %
200513.33 %
200412.93 %

Bank of Ireland Group Stock Sales Revenue, EBIT, Earnings per Share

The Bank of Ireland Group earnings per share therefore indicates how much revenue Bank of Ireland Group has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

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Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Bank of Ireland Group earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Bank of Ireland Group's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Bank of Ireland Group’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Bank of Ireland Group's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Bank of Ireland Group Revenue, EBIT and net profit per share

DateBank of Ireland Group Sales per ShareBank of Ireland Group Earnings per Share
2026e4.29 undefined1.57 undefined
2025e4.25 undefined1.48 undefined
2024e4.37 undefined1.59 undefined
20238.56 undefined1.4 undefined
20225.77 undefined0.73 undefined
20216.38 undefined0.91 undefined
20204.84 undefined-0.72 undefined
20195.79 undefined0.36 undefined
20184.1 undefined0.58 undefined
20174.89 undefined0.59 undefined
20165.17 undefined0.67 undefined
20155.55 undefined0.69 undefined
20146.14 undefined0.6 undefined
20136.1 undefined-0.69 undefined
20126.53 undefined-2.02 undefined
201115.41 undefined-0.24 undefined
201070.12 undefined-6.46 undefined
2009140.72 undefined-31.89 undefined
2008190.88 undefined0.8 undefined
2007247.07 undefined32.91 undefined
2006238 undefined32.33 undefined
2005181.15 undefined24.15 undefined
2004162.49 undefined21.02 undefined

Bank of Ireland Group business model

The Bank of Ireland Group PLC is one of the leading Irish banks and is headquartered in Dublin. It was founded in 1783 as part of the British Bank of Ireland. Since its establishment, the bank has played an important role in the Irish economy and has become a key player in the European banking sector. The business model of the Bank of Ireland Group PLC is based on a wide range of financial services for private and commercial customers. The bank offers a comprehensive range of deposit accounts, loans, credit cards, and insurance products tailored to the needs of different customer groups. The Bank of Ireland Group PLC is divided into several business segments covering various areas of financial services. The retail banking segment includes services for individual customers and small businesses, such as accounts, debit cards, loans, and savings products. The corporate banking segment focuses mainly on medium to large businesses, offering customized financing solutions and capital market products. The investment banking segment also provides capital market products, as well as support for mergers and acquisitions and corporate financing. In addition to traditional banking services, the Bank of Ireland Group PLC is also active in wealth management. The bank offers asset management services and financial planning to assist customers in achieving their financial goals. Another important aspect of the Bank of Ireland Group PLC is its commitment to sustainability and corporate social responsibility. The bank actively promotes environmentally conscious and sustainable business practices and pursues a clear sustainability strategy to ensure that its operations have positive social and environmental impacts. Overall, it can be said that the Bank of Ireland Group PLC plays a significant role in the Irish and European banking landscape. Its wide range of financial services and commitment to sustainability and corporate social responsibility make it an important partner for private and business customers in search of reliable and trustworthy financial services. Bank of Ireland Group is one of the most popular companies on Eulerpool.com.

Bank of Ireland Group SWOT Analysis

Strengths

Bank of Ireland Group PLC is one of the leading banking institutions in Ireland, with a rich history and strong brand reputation.

The bank has a wide range of products and services, including personal banking, corporate banking, and wealth management, catering to diverse customer needs.

Bank of Ireland Group PLC has a large customer base and a widespread branch network, providing convenient access to banking services across the country.

Weaknesses

One of the main weaknesses of Bank of Ireland Group PLC is its susceptibility to economic fluctuations and changes in the financial market, which can impact its profitability.

The bank has faced criticism for its relatively high fees and charges compared to some of its competitors, which may result in customer attrition.

Bank of Ireland Group PLC has a lower market share compared to other major banks in Ireland, which could limit its bargaining power and competitive advantage.

Opportunities

Expanding into new markets and acquiring smaller financial institutions can provide Bank of Ireland Group PLC with opportunities for growth and increased market share.

The bank can leverage technological advancements to enhance its digital banking capabilities and improve customer experience, attracting tech-savvy customers.

As the demand for sustainable and ethical banking increases, Bank of Ireland Group PLC can capitalize on this trend by developing environmentally friendly products and services.

Threats

Intense competition from both traditional banks and emerging fintech players poses a threat to Bank of Ireland Group PLC's market position and customer base.

Regulatory changes and compliance requirements can increase operational costs for the bank and impact its profitability.

An economic downturn or financial crisis can significantly affect the bank's loan portfolio quality and lead to higher loan defaults.

Bank of Ireland Group Eulerpool Fair Value

Details

Fair Value

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Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Bank of Ireland Group historical P/E ratio, EBIT multiple, and P/S ratio

Bank of Ireland Group shares outstanding

The number of shares was Bank of Ireland Group in 2023 — This indicates how many shares 1.061 B is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Bank of Ireland Group earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Bank of Ireland Group's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Bank of Ireland Group’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Bank of Ireland Group's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Bank of Ireland Group stock splits

In Bank of Ireland Group's history, there have been no stock splits.

Bank of Ireland Group dividend history and estimates

In 2023, Bank of Ireland Group paid a dividend amounting to 0.21 EUR. Dividend means that Bank of Ireland Group distributes a portion of its profits to its owners.

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Dividend
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Dividend

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Dividend Overview

The dividend per year chart for Bank of Ireland Group provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Bank of Ireland Group’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Bank of Ireland Group's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Bank of Ireland Group Dividend History

DateBank of Ireland Group Dividend
2026e0.22 undefined
2025e0.22 undefined
2024e0.22 undefined
20230.21 undefined
20220.05 undefined
20190.16 undefined
20180.12 undefined
20087.46 undefined
200712.04 undefined
200610.46 undefined
20058.93 undefined
20048.18 undefined

Bank of Ireland Group dividend payout ratio

In 2023, Bank of Ireland Group had a payout ratio of 18.52%. The payout ratio indicates the percentage of the company's profits that Bank of Ireland Group distributes as dividends.

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Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for Bank of Ireland Group represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Bank of Ireland Group could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Bank of Ireland Group's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Bank of Ireland Group Payout Ratio History

DateBank of Ireland Group Payout ratio
2026e16.46 %
2025e14.06 %
2024e16.79 %
202318.52 %
20226.86 %
202125 %
202023.71 %
201944.44 %
201819.83 %
201723.71 %
201623.71 %
201523.71 %
201423.71 %
201323.71 %
201223.71 %
201123.71 %
201023.71 %
200923.71 %
2008931.99 %
200736.57 %
200632.35 %
200537 %
200438.89 %
Unfortunately, there are currently no price targets and forecasts available for Bank of Ireland Group.

Bank of Ireland Group latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/20240.77 0.83  (8.17 %)2024 Q2
12/31/20230.85 0.73  (-14.59 %)2023 Q4
6/30/20230.71 0.77  (8.62 %)2023 Q2
12/31/20220.59 0.6  (1.42 %)2022 Q4
6/30/20220.3 0.27  (-10.27 %)2022 Q2
12/31/20210.5 0.62  (24.05 %)2021 Q4
6/30/20210.21 0.31  (44.72 %)2021 Q2
12/31/2020-0.06 0.11  (279.74 %)2020 Q4
6/30/2020-0.27 -0.5  (-88.54 %)2020 Q2
12/31/20190.3 0.27  (-8.72 %)2019 Q4
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Eulerpool ESG Scorecard© for the Bank of Ireland Group stock

Eulerpool World ESG Rating (EESG©)

76/ 100

🌱 Environment

80

👫 Social

92

🏛️ Governance

56

Environment

Scope 1 - Direct Emissions
3,615
Scope 2 - Indirect emissions from purchased energy
6,066
Scope 3 - Indirect emissions within the value chain
5,058
Total CO₂ emissions
9,681
CO₂ reduction strategy
✅
Coal energy
❌
Nuclear power
❌
Animal experiments
❌
Fur & Leather
—
Pesticides
—
Palm Oil
—
Tobacco
❌
Genetically modified organisms
❌
Climate concept
—
Sustainable forestry
—
Recycling regulations
❌
Environmentally friendly packaging
❌
Hazardous substances
❌
Fuel consumption and efficiency
❌
Water consumption and efficiency
❌

Social

Percentage of female employees40
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content❌
Alcohol❌
Weapons—
Firearms
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Gambling❌
Military contracts❌
Human rights concept✅
Privacy concept—
Occupational health and safety✅
Catholic✅

Governance (Corporate Governance)

Environmental reporting✅
Stakeholder Engagement✅
Call Back Policies❌
Antitrust law❌

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Bank of Ireland Group shareholders

%
Name
Stocks
Change
Date
8.08997 % BlackRock Investment Management (UK) Ltd.81,558,997879,8204/5/2024
7.43826 % MFS Investment Management74,988,76902/23/2024
5.04133 % Norges Bank Investment Management (NBIM)50,824,20802/23/2024
4.24648 % Orbis Investment Management Ltd.42,810,845651,0574/2/2024
3.19620 % The Vanguard Group, Inc.32,222,53417,5793/31/2024
3.17573 % Fidelity Management & Research Company LLC32,016,08002/23/2024
2.37654 % BlackRock Institutional Trust Company, N.A.23,959,12759,9153/31/2024
1.83684 % Thornburg Investment Management, Inc.18,518,08702/29/2024
1.64926 % Dimensional Fund Advisors, L.P.16,627,05977,4343/31/2024
1.23550 % UBS Asset Management (Americas), Inc.12,455,682-37,9372/29/2024
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Bank of Ireland Group Executives and Management Board

Mr. Mark Spain54
Bank of Ireland Group Chief Financial Officer, Executive Director (since 2019)
Compensation 467,000
Mr. Patrick Kennedy52
Bank of Ireland Group Non-Executive Independent Chairman of the Board
Compensation 394,000
Mr. Myles O'Grady
Bank of Ireland Group Chief Executive Officer, Executive Director (since 2020)
Compensation 269,000
Mr. Richard Goulding
Bank of Ireland Group Deputy Chairman of the Board and Senior Independent Non-Executive Director
Compensation 180,000
Mr. Ian Buchanan56
Bank of Ireland Group Non-Executive Independent Director
Compensation 169,000
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Most common questions regarding Bank of Ireland Group

What values and corporate philosophy does Bank of Ireland Group represent?

Bank of Ireland Group PLC is a renowned financial institution that upholds strong values and a distinctive corporate philosophy. The company values transparency, integrity, and excellence in its operations. It is committed to providing exceptional customer service, fostering innovation, and embracing diversity. Bank of Ireland Group PLC believes in building long-lasting relationships with its customers while serving their financial needs with the highest level of professionalism. The company's corporate philosophy centers around trust, accountability, and responsible banking practices. With a rich heritage and a forward-thinking mindset, Bank of Ireland Group PLC continues to be a trusted banking partner in today's dynamic financial landscape.

In which countries and regions is Bank of Ireland Group primarily present?

Bank of Ireland Group PLC is primarily present in the Republic of Ireland and Northern Ireland. As the oldest and largest banking institution in Ireland, Bank of Ireland has a significant presence across both regions. With a wide network of branches and ATMs, the company serves customers throughout the country, offering a comprehensive range of financial services including retail, corporate, and treasury banking. Bank of Ireland also maintains strategic partnerships and business relationships globally, contributing to its strong international presence. As a leading financial institution, Bank of Ireland Group PLC remains committed to serving its customers in Ireland and expanding its reach in the international market.

What significant milestones has the company Bank of Ireland Group achieved?

Bank of Ireland Group PLC has achieved several significant milestones in its history. The company successfully withstood the financial crisis of 2008 and emerged as a strong and stable institution. It repaid the Irish Government's investment during that period, reaffirming its financial strength. Bank of Ireland Group PLC has also focused on transforming its operations, investing in technology, and enhancing customer service. It has expanded its presence in the UK and continued to grow its business across various sectors. The company remains committed to delivering sustainable and long-term value to its shareholders and customers, solidifying its position as a leading banking institution.

What is the history and background of the company Bank of Ireland Group?

Bank of Ireland Group PLC is one of the leading banking and financial services providers in Ireland. Established in 1783, it has a rich heritage and a strong presence in both domestic and international markets. Over the years, the company has played a pivotal role in shaping Ireland's financial sector and supporting its economic growth. With a diverse range of banking products and services, Bank of Ireland Group PLC caters to individual, corporate, and institutional customers. A customer-centric approach and commitment to innovation have contributed to its success and resilient performance in the ever-evolving financial industry.

Who are the main competitors of Bank of Ireland Group in the market?

Bank of Ireland Group PLC faces competition from several key players in the market. Some of its main competitors include Allied Irish Banks PLC, Ulster Bank (a subsidiary of NatWest Group PLC), and Permanent TSB Group Holdings PLC. These institutions also operate within the Irish banking sector and provide a range of financial services to customers. However, Bank of Ireland Group PLC distinguishes itself through its strong market presence, customer-centric approach, and innovative offerings.

In which industries is Bank of Ireland Group primarily active?

Bank of Ireland Group PLC is primarily active in the financial services industry.

What is the business model of Bank of Ireland Group?

The business model of Bank of Ireland Group PLC revolves around providing a wide range of financial services to its customers. As a leading financial institution in Ireland, Bank of Ireland offers retail and commercial banking, wealth management, and corporate banking services. The company focuses on building long-term customer relationships and strives to understand and meet the diverse needs of its clients. By leveraging its extensive branch network, digital platforms, and expertise in the financial industry, Bank of Ireland aims to deliver innovative solutions and support economic growth in Ireland and beyond.

What is the P/E ratio of Bank of Ireland Group 2024?

The Bank of Ireland Group P/E ratio is 6.2.

What is the P/S ratio of Bank of Ireland Group 2024?

The Bank of Ireland Group P/S ratio is 2.25.

What is the AlleAktien quality score of Bank of Ireland Group?

The AlleAktien quality score for Bank of Ireland Group is 3/10.

What is the revenue of Bank of Ireland Group 2024?

The expected Bank of Ireland Group revenue is 4.4 B EUR.

How high is the profit of Bank of Ireland Group 2024?

The expected Bank of Ireland Group profit is 1.6 B EUR.

What is the business model of Bank of Ireland Group

The Bank of Ireland Group PLC is one of the leading financial institutions in Ireland. With a wide range of financial services and products available for retail customers, small and medium-sized businesses, corporate customers, and institutional customers, the company has become a key player in the Irish financial industry. The Bank of Ireland Group PLC offers a comprehensive range of banking services, including savings accounts, loans, mortgages, credit cards, and insurance. For retail customers, the bank offers a wide range of banking products and services, including accounts for all needs and credit cards specifically designed for students, young adults, travelers, and people with poor creditworthiness. Additionally, the bank also provides mortgages and loans for home purchases, as well as consumer loans for cars and other needs. For small and medium-sized businesses, the Bank of Ireland Group PLC offers a variety of services, from accounts to loans and financing to portfolio management and international business transactions. The bank also offers specialized products for startups, including seed and early-stage financing, as well as a dedicated incubation phase. For corporate customers, the Bank of Ireland Group PLC provides a wide range of investment and advisory services, including investment banking, capital markets, risk management, corporate finance, and financial instrument structuring. Additionally, the bank offers specialized services for institutional customers and asset management clients. The Bank of Ireland Group PLC also operates a number of subsidiaries focusing on specialized financial services. One example is New Ireland Assurance, which offers a wide range of insurance products for retail customers and businesses. The business model of the Bank of Ireland Group PLC is based on providing comprehensive financial services to meet the needs of different customers. The bank aims to understand the needs of its customers and offer appropriate financial products and services. Additionally, the bank is committed to developing innovative solutions to customer problems and building personal relationships with customers. The Bank of Ireland Group PLC also pursues a digital strategy aimed at improving the online experience for customers. The bank has developed a mobile app that allows customers to conduct their banking transactions from anywhere. The bank also offers online tools for account monitoring, transfers, loan applications, and other services. Overall, the business model of the Bank of Ireland Group PLC is focused on providing a comprehensive range of financial services that meet the needs of different customers. The bank relies on innovation to increase its market share in the financial industry and achieve stronger customer loyalty.

What is the Bank of Ireland Group dividend?

Bank of Ireland Group pays a dividend of 0.05 EUR distributed over payouts per year.

How often does Bank of Ireland Group pay dividends?

The dividend cannot currently be calculated for Bank of Ireland Group or the company does not pay out a dividend.

What is the Bank of Ireland Group ISIN?

The ISIN of Bank of Ireland Group is IE00BD1RP616.

What is the Bank of Ireland Group WKN?

The WKN of Bank of Ireland Group is A2DR6L.

What is the Bank of Ireland Group ticker?

The ticker of Bank of Ireland Group is BIRG.IR.

How much dividend does Bank of Ireland Group pay?

Over the past 12 months, Bank of Ireland Group paid a dividend of 0.21 EUR . This corresponds to a dividend yield of about 2.25 %. For the coming 12 months, Bank of Ireland Group is expected to pay a dividend of 0.22 EUR.

What is the dividend yield of Bank of Ireland Group?

The current dividend yield of Bank of Ireland Group is 2.25 %.

When does Bank of Ireland Group pay dividends?

Bank of Ireland Group pays a quarterly dividend. This is distributed in the months of June, June, June, November.

How secure is the dividend of Bank of Ireland Group?

Bank of Ireland Group paid dividends every year for the past 5 years.

What is the dividend of Bank of Ireland Group?

For the upcoming 12 months, dividends amounting to 0.22 EUR are expected. This corresponds to a dividend yield of 2.38 %.

In which sector is Bank of Ireland Group located?

Bank of Ireland Group is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Bank of Ireland Group kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Bank of Ireland Group from 11/7/2024 amounting to 0.35 EUR, you needed to have the stock in your portfolio before the ex-date on 10/10/2024.

When did Bank of Ireland Group pay the last dividend?

The last dividend was paid out on 11/7/2024.

What was the dividend of Bank of Ireland Group in the year 2023?

In the year 2023, Bank of Ireland Group distributed 0.05 EUR as dividends.

In which currency does Bank of Ireland Group pay out the dividend?

The dividends of Bank of Ireland Group are distributed in EUR.

All fundamentals about Bank of Ireland Group

Our stock analysis for Bank of Ireland Group Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Bank of Ireland Group Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.