Bank of Ireland Group PLC

Bank of Ireland Group PLC

19.81
EUR
-0.23
(-1.15%)
Mar 01Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.76
2.9
3.05
2.88
2.83
2.63
2.74
2.51
2.79
2.93
4.22
4.35
4.33
- -
Basic EPS, GAAP
-0.67
0.6
0.74
0.73
0.61
0.58
0.36
-0.69
0.97
0.79
1.5
1.49
1.23
- -
Free Cash Flow per Basic Share
-2.44
-0.54
-0.41
0.96
1.84
1.57
2.78
3.6
18.04
1.17
-4.52
2.06
3.62
- -
Dividend per Share
0.24
0.13
0.13
0.11
- -
0.12
0.16
- -
- -
0.05
0.21
0.95
0.53
- -
Book Value per Share
7.31
8.08
8.41
8.72
8.22
8.57
8.96
8.88
10.45
10.69
11.87
12.94
13.53
119.86
Tangible Book Value per Share
6.96
7.7
7.93
8.13
7.5
7.83
8.18
8.18
9.66
9.5
10.54
11.45
11.86
103.24
Basic Weighted Avg Shares
1,011
1,081
1,081
1,080
1,078
1,077
1,077
1,075
1,077
1,073
1,063
1,026
973
53
Sales/Revenue/Turnover
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
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
118
118
130
132
169
235
317
281
247
237
273
311
325
- -
Net Income, GAAP
-483
786
940
799
664
620
386
-742
1,048
850
1,595
1,531
1,201
- -
Effective Tax Rate (%)
- -
14.57
23.13
22.8
18.78
19.16
30.54
- -
13.6
15.13
17.39
17.47
13.78
- -
Profit Margin (%)
-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
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
69,216
Total Equity
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
6,433
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
2.92
3.47
3.34
2.74
2.45
1.41
- -
3.81
2.86
6.4
5.98
4.91
- -
Return on Common Equity (%)
-8.16
7.76
8.94
8.55
7.22
6.85
4.09
-7.74
10.07
7.48
13.28
11.98
9.27
- -

Capital Structure

EUR

•

in mil. unless spec.
Dec'08
Mar'08
Sep'09
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
7
7
Shares Outstanding
52
53
53
Market Capitalization
- -
- -
- -

Working Capital

EUR

•

in mil. unless spec.
Dec'08
Mar'08
Sep'09
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
7,143
1,652
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

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%

Semi-annual Revenue

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
4,491
2024
- -
- -
4,462
2025
- -
- -
4,214

Semi-annual Earnings Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
1.5
2024
- -
- -
1.49
2025
- -
- -
1.23

Semi-annual Dividends Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.21
2024
- -
- -
0.95
2025
- -
- -
0.53

Company Description

CEO
Myles O’Grady
Full Time Employees
11,287
Sector
Finance
Industry
Major banks
Address
Baggot Plaza Dublin DU Ireland D04 VX58
IPO Date
Jan 2, 1987
Business
Bank of Ireland Group plc is one of Ireland's largest financial services providers, offering a comprehensive range of retail, commercial, corporate, wealth management and insurance products through its principal segments of Retail Ireland, Wealth and Insurance, Retail UK and Corporate and Commercial Banking. The Group, headquartered at Baggot Plaza in Dublin and founded in 1783, operates primarily in Ireland and the United Kingdom, including a network of branches, ATMs and digital channels in Ireland, 13 branches in Northern Ireland, and specialized services in Great Britain via partnerships such as with the UK Post Office. Its core offerings encompass current and savings accounts, mortgages including innovative green mortgages, personal and business loans, overdrafts, term loans, business and corporate lending, leasing, asset finance, treasury and trade finance services, foreign exchange, payment solutions, protection, investment and pension products through subsidiaries like New Ireland Assurance Company (NIAC) and wealth management via J&E Davy, as well as general insurance brokerage for home, car and travel cover. In Retail Ireland, the Group delivers day-to-day banking via branches, 24/7 ATMs, digital platforms, contact centres and post office partnerships, alongside financial wellbeing programs. Wealth and Insurance features capital markets services and distribution through group channels, brokers and advisors; Retail UK includes residential mortgages, business banking, Northridge Finance for contract hire and the ceased AA unsecured loan partnership as of December 2023; while Corporate and Commercial provides lending, risk management and treasury solutions to Irish and international corporates across sectors like real estate, acquisition finance and foreign direct investment. Recent developments include the 2023 acquisition of J&E Davy to bolster wealth and capital markets capabilities; multiple 2024 Enviroflex sustainable lending partnerships with agricultural co-operatives such as North Cork Creameries, Arrabawn Co-op and Dairgold; expansions in green mortgages where the Group leads Ireland's market and sustainable finance reaching approximately €12.5 billion by mid-2024 toward €15 billion by 2025 and €30 billion by 2030 targets; a €590 million share buyback programme commenced in February 2025; strong loan, deposit and assets under management growth into late 2025; branch, ATM and fraud support enhancements; increased housing development funding commitments; and extension of its NYC Hub lease until 2033.

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