Bank of Ireland Group plc (BIRG.IR) stock analysis

In our weekly check, Bank of Ireland Group plc is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 1, red flags: 5.

About Bank of Ireland Group plc

Bank of Ireland Group plc is a Financial Services company (Banks - Regional) based in Ireland, listed on DUB as BIRG.IR.

What our checks show for BIRG.IR

Red flags

• The gross margin fell by 24.4 points, to 69.8%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 11.7% a year.
• The stock has fallen as much as 100% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 1%.

Warning signs

• The stock is still below its previous peak.

Strengths

• The net margin rose by 1.5 points over 5 years, to 16.7%.
• Operating cash flow is 3.32x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 24% a year over the next years.
• Analysts expect the net margin to improve by 26.3 points from today's 16.7%.
• Earnings per share grew 16.4% a year over the last 3 years.
• Net profit grew 12.2% a year over the last 3 years.

Similar companies

BMED.MI · RBI.VI · EWBC · BCP.LS · PNFP · BSAC

Questions

What grade does Bank of Ireland Group plc (BIRG.IR) have?

In our weekly check, Bank of Ireland Group plc is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 1, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of BIRG.IR stock?

This week's biggest flags for Bank of Ireland Group plc: Gross margin falling, Weak revenue forecast, Deep past fall. In total 6 of 25 checks show a warning or a red flag.

What does Bank of Ireland Group plc do?

Bank of Ireland Group plc is a Financial Services company (Banks - Regional) based in Ireland, listed on DUB as BIRG.IR.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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