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Bank of Ireland Group plc provides banking and other financial services in the Republic of Ireland, the United Kingdom, and internationally. It offers current and savings accounts, demand and notice accounts, and business accounts and deposits; personal, car, home improvement and energy upgrade, top-up loans, and student loans, as well as overdrafts and mortgages; and business and farming loans, green business, insurance premium finance, invoice finance, hire purchase, and leasing services. The company also provides international payments and credit cards; international money transfer services; investment products; premier and private banking services; and business protection, mortgage protection, income protection, home protection, and protection for individuals and families. In addition, it provides home, car, travel, and life insurance products. It offers its products and services through its bank branches, banking app, and online and phone banking channels. Bank of Ireland Group plc was founded in 1783 and is headquartered in Dublin, Ireland.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 1393.00M | 1855.00M | 1938.00M | 1056.00M | 1221.00M |
| Minority interest | 0.00M | 0.00M | -6.00M | -8.00M | -7.00M |
| Net income | 1201.00M | 1531.00M | 1595.00M | 889.00M | 1048.00M |
| Selling general administrative | 1063.00M | 945.00M | 764.00M | 772.00M | 664.00M |
| Selling and marketing expenses | - | - | 988.00M | - | - |
| Gross profit | 4214.00M | 4462.00M | 4089.00M | 3263.00M | 3009.00M |
| Reconciled depreciation | 325.00M | 311.00M | 273.00M | 237.00M | 247.00M |
| Ebit | 1393.00M | 1855.00M | 1938.00M | 1048.00M | 1214.00M |
| Ebitda | 1718.00M | 2166.00M | 2211.00M | 1285.00M | 1461.00M |
| Depreciation and amortization | 325.00M | 311.00M | 273.00M | 237.00M | 247.00M |
| Operating income | 1393.00M | 2302.00M | 2337.00M | 1048.00M | 1214.00M |
| Other operating expenses | 4697.00M | 2199.00M | 1752.00M | 2036.00M | 1905.00M |
| Interest expense | 1876.00M | 3141.00M | 2622.00M | 663.00M | 543.00M |
| Tax provision | 192.00M | 324.00M | 337.00M | 159.00M | 166.00M |
| Interest income | 5247.00M | 6742.00M | 6329.00M | 3150.00M | 2770.00M |
| Net interest income | 3371.00M | 3601.00M | 3707.00M | 2487.00M | 2227.00M |
| Income tax expense | 192.00M | 324.00M | 337.00M | 159.00M | 166.00M |
| Total revenue | 6090.00M | 4462.00M | 7113.00M | 3263.00M | 3009.00M |
| Total operating expenses | 2821.00M | 2015.00M | 1752.00M | 2036.00M | 1905.00M |
| Cost of revenue | 1876.00M | 3141.00M | 2622.00M | - | - |
| Total other income expense net | - | -447.00M | -399.00M | 8.00M | 7.00M |
| Net income from continuing ops | 1201.00M | 1531.00M | 1601.00M | 897.00M | 1055.00M |
| Net income applicable to common shares | - | - | - | 820.00M | 980.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 164799.00M | 161813.00M | 155708.00M | 151324.00M | 155268.00M |
| Intangible assets | 1293.00M | 1199.00M | 1108.00M | 977.00M | 825.00M |
| Other current assets | - | -1127.00M | 35167.00M | 3450.00M | 2887.00M |
| Total liab | 151879.00M | 148804.00M | 143147.00M | 139392.00M | 143930.00M |
| Total stockholder equity | 12917.00M | 13006.00M | 12558.00M | 11865.00M | 11270.00M |
| Other current liab | 109253.00M | 103791.00M | -23.00M | -139.00M | -107.00M |
| Common stock | 953.00M | 1003.00M | 1056.00M | 1070.00M | 1079.00M |
| Capital stock | 953.00M | 1003.00M | 1057.00M | 1070.00M | 1079.00M |
| Retained earnings | 10337.00M | 10473.00M | 10878.00M | 9640.00M | 8842.00M |
| Other liab | - | - | - | 22387.00M | 24288.00M |
| Good will | 301.00M | 301.00M | 300.00M | 299.00M | 27.00M |
| Other assets | - | 161813.00M | -17439.00M | 95035.00M | 110647.00M |
| Cash | 24026.00M | 33550.00M | 33025.00M | 38105.00M | 32818.00M |
| Total current liabilities | 109710.00M | 104247.00M | 324.00M | 139.00M | 107.00M |
| Current deferred revenue | - | - | -1601.00M | - | - |
| Net debt | -13510.00M | -33550.00M | -33025.00M | -25658.00M | -9283.00M |
| Short term debt | - | - | 1925.00M | - | - |
| Short long term debt total | 10516.00M | 10225.00M | 13149.00M | 12447.00M | 23535.00M |
| Other stockholder equity | 1627.00M | 1530.00M | 449.00M | 1155.00M | 1349.00M |
| Property plant equipment | - | - | - | 789.00M | 811.00M |
| Total current assets | 24372.00M | 33550.00M | 32614.00M | 39033.00M | 33728.00M |
| Long term investments | 26833.00M | 15984.00M | 16312.00M | 15178.00M | 19259.00M |
| Net tangible assets | - | - | - | 10589.00M | 10418.00M |
| Short term investments | 244.00M | - | -1538.00M | - | - |
| Net receivables | 102.00M | 1127.00M | 1127.00M | 928.00M | 910.00M |
| Inventory | - | - | -35167.00M | - | - |
| Accounts payable | 453.00M | 427.00M | 324.00M | 139.00M | 107.00M |
| Accumulated other comprehensive income | - | 396.00M | 175.00M | - | - |
| Non currrent assets other | 57412.00M | 109422.00M | 122013.00M | -17256.00M | -10893.00M |
| Non current assets total | 140427.00M | 128263.00M | 140533.00M | 17256.00M | 10893.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -11933.00M | -557.00M | -960.00M | 4686.00M | 1296.00M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -12450.00M | -557.00M | - | 4686.00M | 842.00M |
| Net borrowings | 0.00M | 198.00M | - | -301.00M | 452.00M |
| Total cash from financing activities | -1222.00M | -1483.00M | -811.00M | -574.00M | 293.00M |
| Change to operating activities | - | - | - | 351.00M | 7707.00M |
| Net income | 1393.00M | 1855.00M | 1938.00M | 1056.00M | 1221.00M |
| Change in cash | -9555.00M | 533.00M | -6201.00M | 5911.00M | 20666.00M |
| Begin period cash flow | 34174.00M | 33641.00M | 39842.00M | 33931.00M | 13265.00M |
| End period cash flow | 24619.00M | 34174.00M | 33641.00M | 39842.00M | 33931.00M |
| Total cash from operating activities | 3993.00M | 2639.00M | -4392.00M | 1629.00M | 19757.00M |
| Depreciation | 325.00M | 311.00M | 273.00M | 237.00M | 247.00M |
| Other cashflows from investing activities | -316.00M | -318.00M | - | 3.00M | 3.00M |
| Dividends paid | 513.00M | 973.00M | -294.00M | 54.00M | -68.00M |
| Sale purchase of stock | -589.00M | -520.00M | -125.00M | -50.00M | 0.00M |
| Other cashflows from financing activities | -120.00M | -188.00M | -220.00M | 621.00M | -205.00M |
| Change to netincome | - | - | - | 687.00M | 298.00M |
| Capital expenditures | 470.00M | 520.00M | 413.00M | 368.00M | 320.00M |
| Change in working capital | 1885.00M | -42.00M | -7345.00M | 396.00M | 18428.00M |
| Other non cash items | 390.00M | 515.00M | 742.00M | -60.00M | -139.00M |
| Free cash flow | 3523.00M | 2119.00M | -4805.00M | 1261.00M | 19437.00M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BKRIF Bank of Ireland Group PLC |
- -% |
20.45 | 14.13 | 10.30 | 5.10 | 1.42 | 6.82 |
| DBSDY DBS Group Holdings Ltd ADR |
-1.02 0.44% |
231.03 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
0.01 0.08% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.34 1.02% |
33.58 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
83.45 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Bank of Ireland Group plc provides banking and other financial services in the Republic of Ireland, the United Kingdom, and internationally. It offers current and savings accounts, demand and notice accounts, and business accounts and deposits; personal, car, home improvement and energy upgrade, top-up loans, and student loans, as well as overdrafts and mortgages; and business and farming loans, green business, insurance premium finance, invoice finance, hire purchase, and leasing services. The company also provides international payments and credit cards; international money transfer services; investment products; premier and private banking services; and business protection, mortgage protection, income protection, home protection, and protection for individuals and families. In addition, it provides home, car, travel, and life insurance products. It offers its products and services through its bank branches, banking app, and online and phone banking channels. Bank of Ireland Group plc was founded in 1783 and is headquartered in Dublin, Ireland.
| Name | Title | Year Born |
|---|---|---|
| Mr. Myles O'Grady FCCA | Group CEO & Exec. Director | 1969 |
| Mr. Mark Joseph Spain | Group CFO & Exec. Director | 1969 |
| Ms. Jacqueline Dorothy Mary Noakes | Group Chief Operating Officer | 1961 |
| Mr. Eamonn Hughes | Chief Sustainability & Investor Relations Officer | NA |
| Gabrielle Ryan | Group Gen. Counsel | NA |
| Damien Garvey | Head of Group External Communications & Public Affairs | NA |
| Mr. Henry Dummer | Chief Marketing Officer | NA |
| Mr. Matthew H. Elliott Dip. Commerce, MA, MSc, CIPD, BCom | Chief People Officer | 1974 |
| Mr. David Deverall | Managing Director | NA |
| Mr. Ciaran J. O'Neill | Head of Global Equities for Fund Management Bus. | 1969 |
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