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STOCKS

Bank Of Ireland Group plc (DE:BIRG)

XETRA:BIRG

BIRG

Bank Of Ireland Group plc

RESEARCH TOOLSreports

Bank Of Ireland Group plc (BIRG) Ratios

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61 Followers

Bank Of Ireland Group plc Ratios

DE:BIRG's free cash flow for Q4 2025 was €-5.11. For the 2025 fiscal year, DE:BIRG's free cash flow was decreased by € and operating cash flow was €0.21. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.22	0.22	0.33	0.34	0.39
Quick Ratio	0.22	0.22	0.33	0.34	0.39
Cash Ratio	0.22	0.22	0.32	0.33	0.38
Solvency Ratio	0.01	0.01	0.01	0.01	<0.01
Operating Cash Flow Ratio	0.04	0.04	0.03	-0.04	0.02
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	€ -127.51B	€ -127.51B	€ -114.13B	€ -109.00B	€ -100.29B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.06	0.08	0.08	0.08
Debt-to-Equity Ratio	0.81	0.81	0.96	1.05	1.09
Debt-to-Capital Ratio	0.45	0.45	0.49	0.51	0.52
Long-Term Debt-to-Capital Ratio	0.45	0.45	0.49	0.51	0.52
Financial Leverage Ratio	12.76	12.76	12.44	12.40	13.15
Debt Service Coverage Ratio	0.81	0.81	0.59	0.71	1.65
Interest Coverage Ratio	0.74	0.74	0.59	0.74	1.52
Debt to Market Cap	0.71	0.66	1.31	1.46	1.31
Interest Debt Per Share	12.76	12.76	14.47	14.86	12.24
Net Debt to EBITDA	-7.86	-7.86	-9.73	-8.99	-20.56
Profitability Margins
Gross Profit Margin	69.20%	69.20%	58.69%	63.14%	82.57%
EBIT Margin	22.87%	22.87%	24.40%	27.25%	26.58%
EBITDA Margin	28.21%	28.21%	28.49%	31.08%	32.81%
Operating Profit Margin	22.87%	22.87%	24.40%	27.25%	26.58%
Pretax Profit Margin	22.87%	22.87%	24.40%	27.25%	26.58%
Net Profit Margin	19.72%	19.72%	20.14%	22.42%	22.34%
Continuous Operations Profit Margin	19.72%	19.72%	20.14%	22.51%	22.56%
Net Income Per EBT	86.22%	86.22%	82.53%	82.30%	84.08%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.73%	0.73%	0.95%	1.02%	0.56%
Return on Equity (ROE)	9.81%	9.30%	11.77%	12.70%	7.42%
Return on Capital Employed (ROCE)	2.53%	2.53%	3.22%	3.56%	2.00%
Return on Invested Capital (ROIC)	2.18%	2.18%	2.66%	2.94%	1.70%
Return on Tangible Assets	0.74%	0.74%	0.96%	1.03%	0.57%
Earnings Yield	8.07%	7.55%	16.11%	17.69%	8.92%
Efficiency Ratios
Receivables Turnover	59.71	59.71	6.75	6.31	4.95
Payables Turnover	4.14	4.14	7.36	8.09	4.77
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	7.47	7.47	9.37	8.89	4.74
Asset Turnover	0.04	0.04	0.05	0.05	0.03
Working Capital Turnover Ratio	-0.14	-0.08	-0.11	-0.11	-0.06
Cash Conversion Cycle	-82.02	-82.02	4.48	12.73	-2.74
Days of Sales Outstanding	6.11	6.11	54.10	57.83	73.79
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	88.14	88.14	49.62	45.10	76.52
Operating Cycle	6.11	6.11	54.10	57.83	73.79
Cash Flow Ratios
Operating Cash Flow Per Share	4.11	4.11	2.45	-4.14	1.52
Free Cash Flow Per Share	3.63	3.63	1.96	-4.53	1.18
CapEx Per Share	0.48	0.48	0.48	0.39	0.34
Free Cash Flow to Operating Cash Flow	0.88	0.88	0.80	1.09	0.77
Dividend Paid and CapEx Coverage Ratio	4.06	4.06	1.77	-6.21	3.86
Capital Expenditure Coverage Ratio	8.50	8.50	5.08	-10.63	4.43
Operating Cash Flow Coverage Ratio	0.38	0.38	0.21	-0.33	0.13
Operating Cash Flow to Sales Ratio	0.66	0.66	0.35	-0.62	0.43
Free Cash Flow Yield	24.16%	22.15%	22.29%	-53.28%	13.23%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.57	13.24	6.21	5.65	11.21
Price-to-Sales (P/S) Ratio	2.43	2.61	1.25	1.27	2.51
Price-to-Book (P/B) Ratio	1.17	1.23	0.73	0.72	0.83
Price-to-Free Cash Flow (P/FCF) Ratio	4.20	4.51	4.49	-1.88	7.56
Price-to-Operating Cash Flow Ratio	3.78	3.98	3.60	-2.05	5.85
Price-to-Earnings Growth (PEG) Ratio	-0.59	-0.70	4.35	0.06	-0.57
Price-to-Fair Value	1.17	1.23	0.73	0.72	0.83
Enterprise Value Multiple	0.75	1.39	-5.34	-4.91	-12.92
Enterprise Value	1.07B	2.39B	-11.57B	-10.86B	-16.13B
EV to EBITDA	0.62	1.39	-5.34	-4.91	-12.92
EV to Sales	0.18	0.39	-1.52	-1.53	-4.24
EV to Free Cash Flow	0.30	0.68	-5.46	2.26	-12.79
EV to Operating Cash Flow	0.27	0.60	-4.39	2.47	-9.90
Tangible Book Value Per Share	11.66	11.66	10.67	10.51	9.57
Shareholders’ Equity Per Share	13.30	13.30	12.05	11.84	10.70
Tax and Other Ratios
Effective Tax Rate	0.14	0.14	0.17	0.17	0.15
Revenue Per Share	6.27	6.27	7.05	6.70	3.55
Net Income Per Share	1.24	1.24	1.42	1.50	0.79
Tax Burden	0.86	0.86	0.83	0.82	0.84
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.17	0.17	0.12	0.11	0.20
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	2.87	2.87	1.42	-2.27	1.54

Currency in EUR