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Bank of Ireland Group
(OTC:BKRIY)
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Rating:73Outperform
Price Target:
$24.50
â–²(17.11% Upside)
Action:Upgraded
Date:08/06/26
The score is driven primarily by solid financial performance with improved leverage but elevated volatility in revenue and cash flows, plus a constructive earnings-call outlook with clear multi-year growth and capital return targets despite execution and one-off charge risks. Technicals are supportive with a strong uptrend (though stretched momentum), and valuation is favorable with a moderate P/E and solid yield.
Positive Factors
Dominant Irish franchise
Bank of Ireland’s entrenched market share across mortgages, everyday banking, corporate lending and wealth creates durable deposit and loan flow advantages. A >40% share of new mortgage lending and 2.2m retail customers support stable core NII, cross-sell economics and scale-driven cost absorption over multiple years.
Negative Factors
Volatile cash generation
Material swings in operating and free cash flow reduce predictability of internal funding for lending, capital returns and investment. A year of materially negative cash flow followed by large rebounds highlights timing and operational sensitivity, increasing reliance on capital buffers or external funding during adverse cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Dominant Irish franchise
Bank of Ireland’s entrenched market share across mortgages, everyday banking, corporate lending and wealth creates durable deposit and loan flow advantages. A >40% share of new mortgage lending and 2.2m retail customers support stable core NII, cross-sell economics and scale-driven cost absorption over multiple years.
Read all positive factors
Bank of Ireland Group (BKRIY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$20.53B
Dividend Yield3.66%
Average Volume (3M)16.57K
Price to Earnings (P/E)14.0
Beta (1Y)0.79
Revenue Growth9.02%
EPS Growth22.19%
CountryUS
Employees11,287
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.28
Shares Outstanding940,899,300
10 Day Avg. Volume1,411
30 Day Avg. Volume16,572
Financial Highlights & Ratios
PEG Ratio-0.61
Price to Book (P/B)1.33
Price to Sales (P/S)2.82
P/FCF Ratio4.88
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.87
Revenue Forecast (FY)$5.05B
Bank of Ireland Group Business Overview & Revenue Model
Company Description
Bank of Ireland Group plc, founded in Dublin, Ireland in 1783, offers an extensive array of banking and financial services. The organization is structured into four main operational segments: Retail Ireland, Wealth and Insurance, Retail UK, and Co...
How the Company Makes Money
Bank of Ireland Group primarily makes money through (1) net interest income, (2) non-interest income (fees and commissions), and (3) other income related to treasury, markets and balance-sheet management. Net interest income is typically the large...
Bank of Ireland Group Earnings Call Summary
Earnings Call Date:Mar 02, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Mar 01, 2027
Earnings Call Sentiment Positive
The call presents a constructive and growth-oriented strategic plan centered on a dominant Irish franchise, strong balance sheet momentum, upgraded NII trajectory, robust AUM growth and ambitious efficiency targets. Management balanced growth with prudence (raising CET1 guidance to ~14.5%) and disclosed large one-off charges (EUR 430m non-core, EUR 153m restructuring) and some near-term headwinds (FX, rate moves, deleveraging impacts, IRB scalers, interchange changes). Execution risk is concentrated on realizing EUR 250m of efficiencies, integrating digital/AI investments and recouping capital impacts from IRB scalers. Overall, the positives around earnings growth, capital generation and strategic clarity outweigh the disclosed lowlights.Positive Updates
Strong Irish Franchise and Market Position
Unrivaled position across Mortgages, Everyday Banking, Corporate & Commercial Lending and Wealth & Insurance in Ireland; >40% share of new mortgage lending for the third year running; 2.2 million Irish retail customers and ~150,000 affluent customers to target cross-sell.
Negative Updates
Large Non-Core and Restructuring Charges
Non-core charge of EUR 430m in 2025 (majority relates to U.K. Motor Finance) and restructuring costs of EUR 153m; from 2026 restructuring costs will be presented above the line, impacting reported operating results.
Read all updates
Q4-2025 Updates
Positive
Negative
Strong Irish Franchise and Market Position
Unrivaled position across Mortgages, Everyday Banking, Corporate & Commercial Lending and Wealth & Insurance in Ireland; >40% share of new mortgage lending for the third year running; 2.2 million Irish retail customers and ~150,000 affluent customers to target cross-sell.
Read all positive updates
Company Guidance
The management provided detailed three‑year guidance: they expect income to grow at a CAGR of >4% to >€4.75bn by 2028, NII to rise to ~€3.4bn in 2026 (above the high €3.3s), >€3.6bn in 2027 and >€3.85bn in 2028 (with potential to reach ~€4.0bn after 2028), fee income to grow ~4% p.a. (W&I fee income up 12% in 2025 and W&I now ≈50% of fees), AUM to grow ~10% p.a. from €60bn to >€75bn by 2028 (€100bn target by 2030), loans ~4% p.a. and deposits ~3% p.a. (Irish loans/deposits both +6% in 2025; Irish mortgage book ~5% p.a. and >40% share of new lending), total costs broadly stable at ~€2.2bn with underlying operating expense growth ~2% in 2026 and EUR250m of identified efficiencies (targeting mid‑40s cost/income by 2028, ~6pp improvement from 52%), staff down ~3% p.a., impairment/cost of risk 23bps in 2025 (EUR193m) and guided to low‑ to mid‑20bps, NPE 2.2% (end 2025), capital generation 270bps in 2025 and expected ~250–260bps p.a. (net organic cap gen ≈€3.7bn over the plan), reported CET1 15.1% after €1.2bn distributions, new CET1 guidance ~14.5% (target operating level), distributions for 2025 €1.2bn (100% payout; DPS €0.70, +11%, plus €530m buyback) with a progressive dividend and a ~50% payout target over the cycle, and structural hedge tailwinds (average hedge yield up to 1.89% in 2025, exit 1.98%; fixed‑leg income +10% in 2026; gross hedge benefit ≈€0.5bn over three years).Bank of Ireland Group Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
70
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 8.63B | 6.09B | 4.46B | 7.11B | 2.96B | 3.19B |
| Gross Profit | 5.93B | 4.21B | 4.46B | 4.09B | 2.96B | 3.19B |
| EBITDA | 1.77B | 1.72B | 2.17B | 2.21B | 1.25B | 1.47B |
| Net Income | 1.39B | 1.20B | 1.53B | 1.59B | 850.00M | 1.05B |
Balance Sheet | ||||||
| Total Assets | 168.53B | 164.80B | 161.81B | 155.71B | 151.32B | 155.27B |
| Cash, Cash Equivalents and Short-Term Investments | 20.51B | 24.27B | 33.55B | 31.49B | 38.10B | 32.82B |
| Total Debt | 12.86B | 10.52B | 10.22B | 13.15B | 12.45B | 23.54B |
| Total Liabilities | 156.70B | 151.88B | 148.80B | 143.15B | 139.39B | 143.93B |
| Stockholders Equity | 11.82B | 12.92B | 13.01B | 12.56B | 11.46B | 11.27B |
Cash Flow | ||||||
| Free Cash Flow | 7.27B | 3.52B | 2.12B | -4.80B | 3.63B | 19.44B |
| Operating Cash Flow | 7.74B | 3.99B | 2.64B | -4.39B | 3.73B | 19.76B |
| Investing Cash Flow | -6.16B | -12.45B | -557.00M | -960.00M | 4.69B | 842.00M |
| Financing Cash Flow | -2.78B | -1.22B | -1.48B | -811.00M | -2.67B | 293.00M |
Bank of Ireland Group Technical Analysis
Positive
20.92
Price Trends
20.56
Positive
19.81
Positive
19.10
Positive
Market Momentum
0.42
Negative
65.32
Neutral
94.07
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BKRIY, the sentiment is Positive. The current price of 20.92 is below the 20-day moving average (MA) of 21.03, above the 50-day MA of 20.56, and above the 200-day MA of 19.10, indicating a bullish trend. The MACD of 0.42 indicates Negative momentum. The RSI at 65.32 is Neutral, neither overbought nor oversold. The STOCH value of 94.07 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BKRIY.
Bank of Ireland Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $25.09B | 9.26 | 17.47% | 2.97% | 9.35% | 19.46% | |
73 Outperform | $20.53B | 14.01 | 6.76% | 3.81% | 9.02% | 22.19% | |
72 Outperform | $16.53B | 13.23 | 22.63% | 4.43% | -3.09% | 2.72% | |
71 Outperform | $17.40B | 7.63 | 9.28% | 4.34% | 30.88% | 10.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $20.65B | 15.17 | 21.49% | 5.37% | 3.94% | 3.40% | |
62 Neutral | $21.30B | 30.22 | 11.81% | 5.10% | 20.73% | 27.11% |
* Financial Sector Average
BKRIY
Bank of Ireland Group
21.83
6.81
45.39%
BCH
Banco De Chile
39.90
11.99
42.98%
BSBR
Banco Santander Brasil
5.75
1.01
21.33%
BSAC
Banco Santander Chile
34.01
10.81
46.62%
CIB
Grupo Cibest
95.79
48.86
104.13%
WF
Woori Finance Holdings Co
70.38
15.30
27.78%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.