Bank of Ireland Group plc

Bank of Ireland Group plc

BKRIF
Bank of Ireland Group plcUS flagOther OTC
20.36
USD
+0.60
- -
19.34BMarket Cap
Bank of Ireland Group plc
BKRIF
(Other OTC)

Recent

price

20.36

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
40.63
6.35
1.35
2.77
2.91
3.06
2.88
2.84
2.63
2.75
2.51
2.79
2.93
4.23
4.36
4.34
32.02
Revenue per Share
-6.65
-0.32
-2.01
-0.67
0.6
0.74
0.73
0.61
0.58
0.36
-0.69
0.97
0.79
1.5
1.5
1.24
32.64
Basic EPS, GAAP
-48.14
-12.64
-4.19
-2.44
-0.54
-0.41
0.96
1.84
1.57
2.79
3.61
18.08
1.18
-4.53
2.07
3.63
- -
Free Cash Flow per Basic Share
- -
0.42
0.2
0.24
0.13
0.13
0.12
- -
0.12
0.16
- -
- -
0.05
0.21
0.95
0.53
- -
Dividend per Share
38.97
11.51
7.1
6.31
6.26
6.96
7.2
7.82
8.42
8.61
7.84
9.23
9.62
10.69
11.21
11.63
121.81
Book Value per Share
54.75
18.88
8.25
7.45
7.71
7.95
8.15
8.26
8.6
8.93
8.27
9.75
9.57
10.51
11.24
11.66
97.73
Tangible Book Value per Share
127
523
1,004
1,008
1,078
1,078
1,078
1,076
1,075
1,075
1,073
1,075
1,071
1,061
1,024
971
52
Basic Weighted Avg Shares
5,161
3,324
1,357
2,790
3,135
3,297
3,109
3,056
2,830
2,952
2,698
3,001
3,141
4,491
4,462
4,214
1,665
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
147
136
142
118
118
130
132
169
235
317
281
247
237
273
311
325
- -
Depreciation Expense
-614
30
-1,825
-483
786
940
799
664
620
386
-742
1,048
850
1,595
1,531
1,201
1,697
Net Income, GAAP
- -
- -
- -
- -
14.57
23.13
22.8
18.78
19.16
30.54
- -
13.6
15.13
17.39
17.47
13.78
15.04
Effective Tax Rate (%)
-11.9
0.9
-134.49
-17.31
25.07
28.51
25.7
21.73
21.91
13.08
-27.5
34.92
27.06
35.52
34.31
28.5
101.95
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
31,468
20,550
19,780
16,964
20,270
15,687
13,627
13,663
12,825
12,565
10,221
23,535
12,447
13,149
12,471
10,516
68,650
LT Debt
7,407
10,303
8,655
7,883
8,747
9,113
9,419
9,667
10,051
10,433
9,621
11,338
11,522
12,561
13,009
12,920
6,522
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-19.1
-3.01
-30.73
-10.01
9.83
11.18
10.36
8.16
7.1
4.22
-8.4
11.43
8.41
14.74
13.42
10.55
29.09
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'08
Dec'08
Mar'08
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
7
Shares Outstanding
54
- -
53
Market Capitalization
613
523
513

Working Capital

FRC

in mil. unless spec.
Sep'08
Dec'08
Mar'08
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,209
- -
7,143
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.74%
6.28%
-0.68%
Free Cash Flow
-40.32%
-50.06%
66.26%
Net Income, GAAP
-56.65%
-39.61%
-21.55%
Sales/Revenue/Turnover
3.36%
10.53%
-5.56%
Total Cash Common Dividend
- -
- -
-47.28%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
4,491
2024
- -
- -
- -
- -
4,462
2025
- -
- -
- -
- -
4,214

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1.5
2024
- -
- -
- -
- -
1.5
2025
- -
- -
- -
- -
1.24

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.21
2024
- -
- -
- -
- -
0.95
2025
- -
- -
- -
- -
0.53
Business
Bank of Ireland Group plc (BKRIF) operates as a diversified financial services group primarily in Ireland and the United Kingdom, providing a comprehensive range of banking, wealth management, insurance, and treasury services through its key divisions of Retail Ireland, Wealth and Insurance, Retail UK, and Corporate and Commercial. The group offers retail banking products including current and savings accounts, mortgages, overdrafts, term loans, personal loans, deposits, and digital banking channels such as branches, ATMs, apps, and post office partnerships; wealth and insurance services encompassing protection, investment, and pension products via New Ireland Assurance Company (NIAC), wealth management and capital markets through Davy, general insurance brokerage for home, car, and travel cover, and investment markets; corporate and commercial lending solutions such as business banking, commercial real estate finance, acquisition finance, foreign direct investment support, leasing, asset finance under Northridge Finance and Marshall Leasing brands, treasury risk management, trade finance, and foreign exchange; as well as UK-specific offerings like intermediary mortgages, consumer foreign exchange joint venture with the Post Office, and note issuance in Northern Ireland. Established in 1783 and headquartered at Baggot Plaza in Dublin, the group serves personal, business, corporate, agricultural, and institutional customers across the Republic of Ireland, Northern Ireland, Great Britain, and select international markets including the US and Europe, with subsidiaries such as Bank of Ireland (UK) plc and a focus on sectors like student accommodation, renewable energy, and electric vehicles. Recent developments include the completion of an €81 million refinance for Global Student Accommodation's Kavanagh Court scheme in October 2025, marking a 10-year partnership and contributing to over €700 million in sector-wide student housing finance supporting 7,000 beds; expansion of Enviroflex sustainability-linked loans through new partnerships with co-operatives like Dairygold, Lee Strand, Lakeland Dairies, and others in 2024-2025 to support farmers and food businesses; a 50% rise in electric vehicle financing in 2025 with partnerships covering 42% of new EV sales; €750 million green bond issuance in November 2025 for sustainable finance; provision of £98 million for a Scottish offshore wind project in January 2025 and £56 million for another in March 2024; upgrades to over €60 million in branch networks and ATMs, including €7 million for 22 branches in 2025; launch of the Smart Start Account and new services for returning emigrants in June 2025; trebling of Green Business Loan limits to €1 million in August 2025; and cessation of unsecured personal loans under UK and Post Office brands in December 2023 alongside winding down of its British corporate lending business in 2024.

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