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Bank of Ireland Group plc (BIRG.IR)
Dublin, IE
Bank of Ireland Group plc delivers a comprehensive range of banking and financial services. The company's operations are segmented across Retail Ireland, Wealth and Insurance, Retail UK, and Corporate and Treasury. Its offerings encompass various deposit accounts, such as current, savings, and business accounts. The institution provides diverse lending products, including personal loans for vehicles, home improvements, graduates, and students, alongside overdraft facilities. For commercial and agricultural clients, it extends financing options like standard business and farming loans, specialized BREXIT loans, invoice finance, hire purchase, and leasing services. Additionally, the bank facilitates international payments and issues credit cards. Its protection and insurance portfolio includes mortgage protection, life cover, specified illness and income protection for both individuals and families, as well as home, car, and travel insurance. Bank of Ireland also manages pensions, investments, foreign exchange services, and treasury deposits. Further specialized services include bespoke personal products, private banking, and financing for leveraged acquisitions and property development. Founded in 1783, Bank of Ireland Group plc is headquartered in Dublin, Ireland.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.81% | -0.37% | +4.15% | +5.41% | +9.24% | +6.44% | +44.33% | +103.21% | +232.73% | +113.66% | -91.93% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 3 | 0 |
| Buy | 7 | 0 |
| Hold | 2 | -1 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth-19.9% Q4'25: +277.2% (vs Q4'23)
-
EPS growth-19.0% Q4'25: -103.0% (vs Q4'23)
-
FCF margin— Q4'25: +68.3% (vs Q4'23)
-
EBIT margin— Q4'25: -4.4% (vs Q4'23)
-
ROIC— Q4'25: +81.1% (vs Q4'23)
-
Share dilution-5.2% Q4'25: -8.0% (vs Q4'23)
-
Debt / EBITDA— Q4'25: 16.85× (vs Q4'23)
* 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.
| 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. 9 EPS Ana. |
Dec 2027 11 Rev. Ana. 9 EPS Ana. |
Dec 2028 11 Rev. Ana. 7 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
3.71B
est: 3.07B (+20.7%)
|
3.45B
est: 3.01B (+14.5%)
|
3.21B
est: 2.86B (+12.2%)
|
3.54B
est: 2.86B (+23.8%)
|
3.32B
est: 2.52B (+31.5%)
|
3.54B
est: 2.87B (+23.7%)
|
3.80B
est: 3.17B (+20.1%)
|
7.11B
est: 4.22B (+68.7%)
|
7.60B
est: 4.33B (+75.8%)
|
6.09B
est: 4.11B (+48.3%)
|
4.31B
4.24B – 4.39B
+5.0% YoY
|
4.58B
4.49B – 4.70B
+6.3% YoY
|
4.85B
4.84B – 4.86B
+5.8% YoY
|
| EBITDA |
1.17B
est: 733.15M (+59.2%)
|
1.02B
est: 719.05M (+42.0%)
|
1.07B
est: 682.70M (+56.7%)
|
962.00M
est: 682.27M (+41.0%)
|
-479.00M
est: 602.27M (-179.5%)
|
1.47B
est: 684.00M (+114.6%)
|
1.25B
est: 755.82M (+65.1%)
|
2.21B
est: 1.37B (+61.8%)
|
2.17B
est: 1.40B (+54.6%)
|
1.72B
est: 1.33B (+29.1%)
|
1.40B
1.37B – 1.42B
+5.0% YoY
|
1.48B
1.46B – 1.52B
+6.3% YoY
|
1.57B
1.57B – 1.57B
+5.8% YoY
|
| EBIT |
1.04B
est: 551.34M (+87.7%)
|
852.00M
est: 540.74M (+57.6%)
|
835.00M
est: 513.40M (+62.6%)
|
645.00M
est: 513.08M (+25.7%)
|
-760.00M
est: 452.91M (-267.8%)
|
1.22B
est: 514.38M (+137.4%)
|
1.01B
est: 568.39M (+77.9%)
|
1.94B
est: 1.14B (+69.6%)
|
1.86B
est: 1.17B (+58.2%)
|
1.39B
est: 1.11B (+25.1%)
|
1.17B
1.15B – 1.19B
+5.0% YoY
|
1.24B
1.22B – 1.28B
+6.3% YoY
|
1.31B
1.31B – 1.32B
+5.8% YoY
|
| Net Income |
799.00M
est: 690.36M (+15.7%)
|
664.00M
est: 656.71M (+1.1%)
|
620.00M
est: 693.68M (-10.6%)
|
386.00M
est: 570.02M (-32.3%)
|
-742.00M
est: -615.30M (-20.6%)
|
1.05B
est: 809.24M (+29.5%)
|
850.00M
est: 858.43M (-1.0%)
|
1.60B
est: 1.43B (+11.7%)
|
1.53B
est: 1.55B (-1.1%)
|
1.20B
est: 1.32B (-9.3%)
|
1.52B
1.40B – 1.64B
+14.8% YoY
|
1.83B
1.66B – 2.00B
+20.3% YoY
|
2.11B
1.96B – 2.26B
+15.3% YoY
|
| SGA |
739.00M
est: 498.21M (+48.3%)
|
808.00M
est: 488.63M (+65.4%)
|
652.00M
est: 463.93M (+40.5%)
|
626.00M
est: 463.64M (+35.0%)
|
618.00M
est: 409.27M (+51.0%)
|
687.00M
est: 464.81M (+47.8%)
|
758.00M
est: 513.62M (+47.6%)
|
764.00M
est: 674.02M (+13.3%)
|
945.00M
est: 691.48M (+36.7%)
|
1.06B
est: 656.71M (+61.9%)
|
689.32M
677.81M – 702.60M
+5.0% YoY
|
732.51M
718.24M – 751.99M
+6.3% YoY
|
775.23M
774.01M – 776.45M
+5.8% YoY
|
| EPS |
0.67
est: 0.67 (-0.6%)
|
0.59
est: 0.64 (-8.0%)
|
0.58
est: 0.68 (-14.4%)
|
0.36
est: 0.56 (-35.3%)
|
-0.72
est: -0.60 (-19.8%)
|
0.91
est: 0.79 (+15.2%)
|
0.73
est: 0.84 (-12.7%)
|
1.40
est: 1.47 (-4.5%)
|
1.42
est: 1.59 (-10.6%)
|
1.15
est: 1.36 (-15.5%)
|
1.54
1.44 – 1.69
+13.2% YoY
|
1.83
1.71 – 2.06
+18.6% YoY
|
2.14
2.02 – 2.33
+17.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-28 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-27 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-26 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-25 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-22 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-21 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-20 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-19 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-18 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-15 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-14 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-13 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-12 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-11 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-08 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-07 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-06 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-05-05 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-30 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-29 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-28 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-27 | B | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-24 | B | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-23 | B | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-22 | B | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-20 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-17 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-16 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-15 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Myles O'Grady FCCA | Group Chief Executive Officer & Executive Director | 2M | male |
| Mark Joseph Spain | Chief Financial Officer & Executive Director | 1M | male |
| Damien Garvey | Head of Group External Communications & Public Affairs | — | — |
| Eamonn Hughes | Chief Sustainability & Investor Relations Officer | — | male |
| Gabrielle Ryan | Group General Counsel | — | female |
| Matthew H. Elliott Commerce CIPD | Group Chief People Officer | — | male |
| Owen Clifford | Head of Retail Convenience | — | male |
| Chris Mangan | Head of US Leveraged Acquisition Finance - US | — | male |
| Sharon Donnelly | Interim Chief Technology & Payments Officer | — | female |
| Ciaran Coyle | Group Chief Operating Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for BIRG.IR
Short-term intention
Target Price Distribution
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.
