Bank of Ireland Group PLC is an Irish financial services group operating mostly in Ireland and the United Kingdom. Services include mortgages, business, and corporate lending, term loans, leasing, foreign exchange, life assurance, and pension products, among others. The bank's trading divisions include Retail Ireland, Wealth and Insurance, Retail UK, Corporate and Treasury (C&T) and Group Centre. The bank generates the majority of its revenue from Retail Ireland serves consumer and business customers across a broad range of segments and sectors. Revenue is also derived from fees for a range of banking and transaction services. The bank has access to distribution in the United Kingdom via its relationship as a financial services partner with the nation's post office.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	2.51
Equity-to-Asset	0.08
Debt-to-Equity	1.05
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.87	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

5/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	19
	3-Year Book Growth Rate	10.2
	Future 3-5Y EPS without NRI Growth Rate	1.89
	Future 3-5Y Total Revenue Growth Rate	-1.94

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	48.79
	9-Day RSI	53.75
	14-Day RSI	56.22
	6-1 Month Momentum %	13.64
	12-1 Month Momentum %	6.6

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.08
	Dividend Payout Ratio	0.15
	Forward Dividend Yield %	5.88
	5-Year Yield-on-Cost %	2.08
	3-Year Average Share Buyback Ratio	0.6
	Shareholder Yield %	46.73

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	35.52
	FCF Margin %	-106.71
	ROE %	13.27
	ROA %	1.03
	Years of Profitability over Past 10-Year	9

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.22
	Forward PE Ratio	6.64
	PE Ratio without NRI	7.06
	Shiller PE Ratio	15.56
	PEG Ratio	1.02
	PS Ratio	2.39
	PB Ratio	0.85
	Price-to-Tangible-Book	0.96
	EV-to-Forward-EBIT	10.61
	EV-to-Revenue	-2.09
	EV-to-Forward-Revenue	6.47
	EV-to-FCF	1.95
	Price-to-Projected-FCF	0.21
	Price-to-Median-PS-Value	1
	Price-to-Peter-Lynch-Fair-Value	1.02
	Price-to-Graham-Number	0.55
	FCF Yield %	-45.77
	Forward Rate of Return (Yacktman) %	44.29

GF Value: $10.57

BKRIY

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