Bank of Ireland Group BIRG.IR
Bank of Ireland Group is a leading commercial and retail bank in Ireland, offering personal banking, corporate banking, mortgages, and wealth management, with a presence also in the UK. Bank of Ireland shows solid financial health with ROE of 10.55 and operating margins of 52.12%, supported by earnings growth of 35.60% and a net dividend yield of 4.17%. The ECB's rising rate environment favors its net interest margin, although moderate regulatory risk in Ireland adds some caution.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Bank of Ireland Group is a leading commercial and retail bank in Ireland, offering personal banking, corporate banking, mortgages, and wealth management, with a presence also in the UK. Bank of Ireland shows solid financial health with ROE of 10.55 and operating margins of 52.12%, supported by earnings growth of 35.60% and a net dividend yield of 4.17%. The ECB's rising rate environment favors its net interest margin, although moderate regulatory risk in Ireland adds some caution.
Score by category
| Category | Score |
|---|---|
| Financial health | 4.5 |
| Quality / Moat | 9.5 |
| Valuation | 4.9 |
| Growth | 8.1 |
| Dividend | 8.2 |
| Momentum | 7.0 |
| Risk & Context | 8.2 |
OVERALL SCORE: 7.0/10
Context and risks
Moderate regulatory and governance risk in Ireland. No direct relevant geopolitical exposure; the business is domestic and UK-focused.
News considered in the analysis
- Bank of Ireland Group Maps 2028 Growth Push After €1.4B Profit, Dividend Hike — Plan de crecimiento a 2028 y aumento de dividendo tras un beneficio de 1.400 millones de euros; refuerza la senda de crecimiento y retribución al accionista.
- Bank of Ireland Group Q1 Earnings Call Highlights — Aspectos destacados de la llamada de resultados del primer trimestre; sin cifras concretas nuevas, pero confirma la dinámica operativa.
- Assessing Bank of Ireland Group (ISE:BIRG) Valuation After Recent Share Price Weakness — Artículo de análisis de valoración sin información nueva; ruido.
- Bank of Ireland Resets as Profits Slip, but Payout Rises — Los beneficios caen ligeramente, pero el dividendo aumenta; señal mixta que refleja cierta presión en resultados.
- Bank of Ireland Group PLC (BKRIF) Full Year 2025 Earnings Call Highlights: Strong Growth Amid ... — Resultados anuales 2025 con crecimiento sólido; refuerza la narrativa de fortaleza operativa.
Verdict: Hold; the combination of growth, profitability, and attractive dividend makes it solid, but valuation is not particularly cheap (PER 14.91) and regulatory risk limits upside potential.
Main risk: The main risk is regulatory and governance in Ireland, with a reference of -0.5, which could affect the ability to distribute capital or impose additional requirements.
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