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AIB Group plc (A5G.IR)

EUR10.43 +0.00 (+0.00%)
IE DUB Financial Services Banks - Regional
Address 10 Molesworth Street 2
Dublin, IE
CEO J. Colin Hunt MEconSc
IPO 2000-06-06
ISIN IE00BF0L3536

Explore sections of this company profile

Also trades on Euronext Dublin · A5G.IR (EUR) London Stock Exchange · AIBG.L (GBp) Other OTC · AIBGY (USD) Other OTC · AIBRF (USD)
Description

AIB Group plc delivers comprehensive financial solutions and banking services to individuals, commercial enterprises, and large corporations. Operating through distinct segments covering retail, corporate, institutional, and its UK operations, the company offers a broad array of products. These include various deposit accounts, from current and savings to fixed-term options, alongside an extensive range of lending facilities such as personal, business, agricultural, real estate, and trade finance loans, as well as mortgages, credit lines, and overdrafts. Customers also have access to credit and debit cards, investment funds, pension plans, and diverse insurance offerings for life, home, car, and business needs. Furthermore, AIB provides specialized financial services like payment processing, merchant services, cash management, foreign exchange, and sophisticated risk management tools. Founded in 1825 and headquartered in Dublin, Ireland, the company, formerly known as Allied Irish Banks, p.l.c. until its rebranding in December 2017, maintains a significant branch network across the Republic of Ireland and the United Kingdom.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR10.43 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
5M
Beta
0.54
Float Shares
2.05B
Free Float %
96.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.57% -1.46% +3.06% +14.12% +14.12% +9.78% +45.95% +174.46% +269.96% +47.45% -99.63%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (1 ratings, all time) Hold
Price Targets & DCF
Current price
10.43
DCF (Unlevered) 54.79 +425.3%
DCF (Levered) 32.61 +212.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 38% Bullish
Rating 2026-05 Change
Strong Buy 2 0
Buy 3 0
Hold 8 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.52
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    -5.3% Q4'25: +141.7% (vs Q4'23)
  • EPS growth
    +4.5% Q4'25: +150.0% (vs Q4'23)
  • FCF margin
    Q4'25: +41.8% (vs Q4'23)
  • EBIT margin
    Q4'25: +3.4% (vs Q4'23)
  • ROIC
    Q4'25: -2.5% (vs Q4'23)
  • Share dilution
    -14.0% Q4'25: -18.4% (vs Q4'23)
  • Debt / EBITDA
    Q4'25: 19.69× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.56) × ERP
WACC = 63% × Ke + 37% × Kd (8.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 54.79 Current price: 10.43
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
11 Rev. Ana.
10 EPS Ana.
Dec 2027
11 Rev. Ana.
10 EPS Ana.
Dec 2028
11 Rev. Ana.
8 EPS Ana.
Revenue
3.23B
est: 2.67B (+20.9%)
3.31B
est: 2.91B (+13.8%)
3.14B
est: 2.77B (+13.3%)
2.95B
est: 2.68B (+10.0%)
2.63B
est: 2.34B (+12.5%)
2.65B
est: 2.35B (+13.0%)
3.33B
est: 2.80B (+18.7%)
5.52B
est: 4.82B (+14.6%)
6.16B
est: 4.82B (+27.9%)
5.83B
est: 4.46B (+30.7%)
4.59B
4.54B – 4.64B
+2.9% YoY
4.78B
4.70B – 4.86B
+4.0% YoY
4.93B
4.92B – 4.93B
+3.1% YoY
EBITDA
1.79B
est: 776.09M (+130.8%)
1.45B
est: 843.67M (+71.5%)
1.41B
est: 804.81M (+75.1%)
745.00M
est: 778.53M (-4.3%)
-616.00M
est: 678.30M (-190.8%)
956.00M
est: 681.57M (+40.3%)
1.18B
est: 814.46M (+44.3%)
2.69B
est: 2.00B (+34.1%)
3.00B
est: 2.00B (+49.5%)
2.29B
est: 1.86B (+23.6%)
1.91B
1.89B – 1.93B
+2.9% YoY
1.99B
1.96B – 2.02B
+4.0% YoY
2.05B
2.05B – 2.05B
+3.1% YoY
EBIT
1.68B
est: 544.72M (+208.8%)
1.31B
est: 592.16M (+120.5%)
1.25B
est: 564.89M (+120.8%)
499.00M
est: 546.44M (-8.7%)
-931.00M
est: 476.09M (-295.6%)
629.00M
est: 478.38M (+31.5%)
880.00M
est: 571.65M (+53.9%)
2.39B
est: 1.69B (+41.5%)
2.70B
est: 1.69B (+59.7%)
2.23B
est: 1.57B (+42.1%)
1.61B
1.59B – 1.63B
+2.9% YoY
1.68B
1.65B – 1.70B
+4.0% YoY
1.73B
1.73B – 1.73B
+3.1% YoY
Net Income
1.36B
est: 1.21B (+12.4%)
1.11B
est: 1.09B (+1.9%)
1.09B
est: 1.01B (+8.0%)
327.00M
est: 638.13M (-48.8%)
-769.00M
est: -693.25M (-10.9%)
647.00M
est: 597.53M (+8.3%)
767.00M
est: 708.99M (+8.2%)
2.06B
est: 1.91B (+7.7%)
2.35B
est: 1.88B (+25.5%)
2.14B
est: 1.85B (+15.5%)
1.92B
1.86B – 1.99B
+3.8% YoY
2.15B
2.03B – 2.26B
+11.5% YoY
2.41B
2.26B – 2.55B
+12.1% YoY
SGA
606.00M
est: 449.43M (+34.8%)
796.00M
est: 488.56M (+62.9%)
609.80M
est: 466.06M (+30.8%)
512.00M
est: 450.84M (+13.6%)
531.00M
est: 392.80M (+35.2%)
522.00M
est: 394.69M (+32.3%)
673.00M
est: 471.65M (+42.7%)
681.00M
est: 778.08M (-12.5%)
718.00M
est: 778.01M (-7.7%)
982.00M
est: 720.33M (+36.3%)
741.51M
732.94M – 748.83M
+2.9% YoY
770.94M
759.11M – 784.15M
+4.0% YoY
795.17M
794.45M – 795.89M
+3.1% YoY
EPS
0.49
est: 0.47 (+4.0%)
0.40
est: 0.43 (-6.3%)
0.39
est: 0.39 (-1.3%)
0.12
est: 0.25 (-51.9%)
-0.27
est: -0.27 (+0.3%)
0.21
est: 0.23 (-10.0%)
0.26
est: 0.28 (-5.7%)
0.76
est: 0.87 (-12.5%)
0.86
est: 0.85 (+1.0%)
0.93
est: 0.82 (+14.0%)
0.88
0.84 – 0.90
+7.5% YoY
0.98
0.92 – 1.03
+11.4% YoY
1.07
1.03 – 1.16
+9.5% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-28 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-27 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-26 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-25 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-22 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-21 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-20 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-19 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-18 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-15 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-14 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-13 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-12 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-11 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-08 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-07 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-06 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-05-05 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-30 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-29 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-28 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-27 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-24 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-23 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-22 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-21 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-20 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-17 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-16 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-15 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.68B
OE per share TTM
1.21
Owner's Yield
12.40%
Maintenance CapEx ratio
16.78%
Maint CapEx / Avg PPE
14.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
212.5K
Shares Outstanding
2.12B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
J. Colin Hunt MEconSc Chief Executive Officer & Executive Director 793.0K
Donal Galvin Chief Financial Officer & Executive Director 735.0K male
Graham Fagan Chief Operating Officer male
Miriam Nagle Group General Counsel female
Neil Donnelly Group Chief Compliance Officer male
Niamh Hore Head of Investor Relations female
Paddy McDonnell Head of Media Relations
David McCormack Chief People Officer male
Terence Liston Head of Corporate Development male
Donall O'Shea Head of Real Estate Finance, Wholesale, Institutional & Corporate Banking male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits