BKRIY

Bank of Ireland Group plc

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Price alert · BKRIY

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20.42 USD -0.67 -3.18%
As of Oct 30, 2026
20.37 Day range 20.69
16.21 52-week range 23.82
YTD
+6.41%
1 year
+24.97%
Open
20.69
Prev close
21.09
Mkt cap
19.26B
Vol
47.20K
Avg vol
36.26K
EPS
1.53
P/E
13.35
More statistics
Low
20.37
High
20.69
Earnings
Mar 1, 2027

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Financial health

Altman Z-Score

0.37 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 2
  • P/E 2
  • P/B 2

Valuation

P/E 14.5×
FY 2016: 12.7×FY 2017: 13.3×FY 2018: 8.4×FY 2019: 13.4×FY 2020: -4.5×FY 2021: 5.6×FY 2022: 11.9×FY 2023: 5.8×FY 2024: 6.2×FY 2025: 14.5×
FY 2016 5y median 6.2× FY 2025
P/S 2.6×
FY 2016: 3.5×FY 2017: 3.0×FY 2018: 1.9×FY 2019: 1.9×FY 2020: 2.3×FY 2021: 1.7×FY 2022: 3.2×FY 2023: 1.2×FY 2024: 2.1×FY 2025: 2.6×
FY 2016 5y median 2.1× FY 2025
P/B 1.2×
FY 2016: 1.1×FY 2017: 1.0×FY 2018: 0.6×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.8×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 1.2×
FY 2016 5y median 0.7× FY 2025
P/FCF 4.6×
FY 2016: 9.8×FY 2017: 4.5×FY 2018: 3.1×FY 2019: 1.7×FY 2020: 0.9×FY 2021: 0.3×FY 2022: 2.6×FY 2023: -1.8×FY 2024: 4.3×FY 2025: 4.6×
FY 2016 5y median 2.6× FY 2025
EV/EBITDA 1.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: -2.6×FY 2022: -13.1×FY 2023: -5.1×FY 2024: -6.5×FY 2025: 1.5×
FY 2016 5y median -5.1× FY 2025
EV/Sales 0.4×
FY 2016: 5.8×FY 2017: 4.6×FY 2018: 3.6×FY 2019: 2.9×FY 2020: -1.6×FY 2021: -1.2×FY 2022: -5.5×FY 2023: -1.6×FY 2024: -3.2×FY 2025: 0.4×
FY 2016 5y median -1.6× FY 2025
FCF Yield 21.9%
FY 2016: 10.2%FY 2017: 22.3%FY 2018: 32.1%FY 2019: 57.9%FY 2020: 111.6%FY 2021: 354.5%FY 2022: 38.8%FY 2023: -55.4%FY 2024: 23.0%FY 2025: 21.9%
FY 2016 5y median 23.0% FY 2025

Profitability

Gross Margin 69.2%
FY 2016: 106.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 110.4%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 57.5%FY 2024: 100.0%FY 2025: 69.2%
FY 2016 5y median 100.0% FY 2025
Operating Margin 22.9%
FY 2016: 43.6%FY 2017: 40.2%FY 2018: 45.6%FY 2019: 21.9%FY 2020: -1.1%FY 2021: 50.5%FY 2022: 45.0%FY 2023: 32.9%FY 2024: 51.6%FY 2025: 22.9%
FY 2016 5y median 45.0% FY 2025
Net Margin 19.7%
FY 2016: 27.3%FY 2017: 22.5%FY 2018: 21.9%FY 2019: 14.5%FY 2020: -48.7%FY 2021: 32.9%FY 2022: 28.7%FY 2023: 22.4%FY 2024: 34.3%FY 2025: 19.7%
FY 2016 5y median 28.7% FY 2025
ROE 9.3%
FY 2016: 8.5%FY 2017: 7.5%FY 2018: 6.7%FY 2019: 4.0%FY 2020: -7.8%FY 2021: 9.3%FY 2022: 7.4%FY 2023: 12.7%FY 2024: 11.8%FY 2025: 9.3%
FY 2016 5y median 9.3% FY 2025
ROIC 2.2%
FY 2016: 3.7%FY 2017: 3.4%FY 2018: 3.6%FY 2019: 1.3%FY 2020: -0.0%FY 2021: 3.1%FY 2022: 2.0%FY 2023: 1.1%FY 2024: 3.3%FY 2025: 2.2%
FY 2016 5y median 2.2% FY 2025
ROA 0.7%
FY 2016: 0.6%FY 2017: 0.5%FY 2018: 0.5%FY 2019: 0.3%FY 2020: -0.6%FY 2021: 0.7%FY 2022: 0.6%FY 2023: 1.0%FY 2024: 0.9%FY 2025: 0.7%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue 36.5%
FY 2016: -1.3%FY 2017: 0.9%FY 2018: -4.2%FY 2019: -6.0%FY 2020: -42.8%FY 2021: 108.9%FY 2022: -7.2%FY 2023: 140.5%FY 2024: -37.3%FY 2025: 36.5%
FY 2016 FY 2025
Operating Income -39.5%
FY 2016: -2.6%FY 2017: -6.8%FY 2018: 8.7%FY 2019: -54.9%FY 2020: -102.9%FY 2021: 9564.7%FY 2022: -17.2%FY 2023: 75.5%FY 2024: -1.5%FY 2025: -39.5%
FY 2016 FY 2025
EPS (diluted) -20.4%
FY 2016: -14.9%FY 2017: -16.2%FY 2018: -6.5%FY 2019: -37.9%FY 2020: -300.0%FY 2021: 226.4%FY 2022: -19.8%FY 2023: 91.8%FY 2024: 1.4%FY 2025: -20.4%
FY 2016 FY 2025
Free Cash Flow 66.3%
FY 2016: 336.0%FY 2017: 91.1%FY 2018: -14.7%FY 2019: 77.5%FY 2020: 29.1%FY 2021: 402.1%FY 2022: -81.4%FY 2023: -232.6%FY 2024: 144.1%FY 2025: 66.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 30.8×FY 2017: 47.9×FY 2018: 37.4×FY 2019: 55.7×FY 2020: 106×FY 2021: 315×FY 2022: 281×FY 2023: 41.4×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 41.4× FY 2025
Quick Ratio 0.2×
FY 2016: 56.1×FY 2017: 86.2×FY 2018: 67.9×FY 2019: 104×FY 2020: 106×FY 2021: 619×FY 2022: 574×FY 2023: 86.1×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 86.1× FY 2025
Debt / Equity 0.8×
FY 2016: 1.4×FY 2017: 1.5×FY 2018: 1.4×FY 2019: 1.3×FY 2020: 0.7×FY 2021: 2.1×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 0.8×FY 2025: 0.8×
FY 2016 5y median 1.0× FY 2025
Net Debt / EBITDA -7.9×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: -6.3×FY 2022: -20.6×FY 2023: -9.0×FY 2024: -10.8×FY 2025: -7.9×
FY 2016 5y median -9.0× FY 2025
Interest Coverage 0.7×
FY 2016: 2.1×FY 2017: 3.0×FY 2018: 3.4×FY 2019: 1.6×FY 2020: -0.0×FY 2021: 3.0×FY 2022: 2.0×FY 2023: 0.9×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 3.2%
FY 2016: 1.2%FY 2017: 0.0%FY 2018: 2.4%FY 2019: 3.3%FY 2020: 0.7%FY 2021: 1.2%FY 2022: 1.3%FY 2023: 3.4%FY 2024: 10.6%FY 2025: 3.2%
FY 2016 5y median 3.2% FY 2025
Payout Ratio 42.7%
FY 2016: 15.5%FY 2017: 0.6%FY 2018: 20.0%FY 2019: 44.8%FY 2020: -3.4%FY 2021: 6.5%FY 2022: 14.5%FY 2023: 18.4%FY 2024: 63.6%FY 2025: 42.7%
FY 2016 5y median 18.4% FY 2025

Annual · latest fiscal year ends 2025-12-31