BKRIY (Bank of Ireland Group) Cyclically Adjusted Book per Share: $13.77 (As of Dec. 2025)


BKRIY Bank of Ireland Group PLC BKRIY
69 GF Score
Price $19.86
GF Value $12.60
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Bank of Ireland Group Cyclically Adjusted Book per Share?

Bank of Ireland Group BKRIY -0.30% 69 Cyclically Adjusted Book per Share is $13.77 as of Dec. 2025. GuruFocus rates BKRIY with a GF Score™ of 69/100 and a GF Value™ of $12.60 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Bank of Ireland Group's adjusted book value per share data for the fiscal year that ended in Dec. 2025 was $15.885. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $13.77 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Bank of Ireland Group's average Cyclically Adjusted Book Growth Rate was 5.40% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 5.70% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.40% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was -16.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Bank of Ireland Group was 20.50% per year. The lowest was -37.50% per year. And the median was 4.70% per year.

As of today (2026-07-04), Bank of Ireland Group's current stock price is $ 19.86. Bank of Ireland Group's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec. 2025 was $13.77. Bank of Ireland Group's Cyclically Adjusted PB Ratio of today is 1.44.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Bank of Ireland Group was 1.58. The lowest was 0.09. And the median was 0.55.


Bank of Ireland Group  (OTCPK:BKRIY) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Bank of Ireland Group's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=19.86/13.77
=1.44

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Bank of Ireland Group was 1.58. The lowest was 0.09. And the median was 0.55.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Bank of Ireland Group Cyclically Adjusted Book per Share Related Terms


Bank of Ireland Group Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Bank of Ireland Group's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bank of Ireland Group Cyclically Adjusted Book per Share Chart

Bank of Ireland Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.61 10.43 11.78 11.59 13.77

Bank of Ireland Group Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.78 0.00 11.59 0.00 13.77

BKRIY vs PNC, USB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Bank of Ireland Group's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Bank of Ireland Group Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bank of Ireland Group's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Bank of Ireland Group's Cyclically Adjusted PB Ratio falls into.


BKRIY
69GF Score
Bank of Ireland Group PLC BKRIY
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank of Ireland Group Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Bank of Ireland Group's adjusted Book Value per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_Book=Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=15.885/125.8201*125.8201
=15.885

Current CPI (Dec. 2025) = 125.8201.

Bank of Ireland Group Annual Data

Book Value per Share CPI Adj_Book
201612 9.217 99.676 11.635
201712 9.756 100.075 12.266
201812 9.777 100.773 12.207
201912 9.913 102.068 12.220
202012 10.823 101.072 13.473
202112 11.840 106.653 13.968
202212 11.351 115.436 12.372
202312 12.970 120.749 13.515
202412 13.583 122.439 13.958
202512 15.885 125.820 15.885

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $13.77 mean?
Bank of Ireland Group (BKRIY) has a Cyclically Adjusted Book per Share of $13.77 as of Dec. 2025. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Bank of Ireland Group and its competitors.
Is Bank of Ireland Group's Cyclically Adjusted Book per Share too high?
Bank of Ireland Group's current Cyclically Adjusted Book per Share is $13.77. Overall, Bank of Ireland Group has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Ireland Group's Cyclically Adjusted Book per Share compare to PNC and USB?
Bank of Ireland Group's Cyclically Adjusted Book per Share of $13.77 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Bank of Ireland Group and its competitors. Bank of Ireland Group's current Cyclically Adjusted Book per Share is $13.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Ireland Group stock overvalued right now?
Based on GuruFocus' analysis, Bank of Ireland Group (BKRIY) is currently considered Significantly Overvalued. The stock's GF Value™ is $12.60, compared to a current price of $19.86 — trading 57.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is $13.77. Bank of Ireland Group's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Bank of Ireland Group (BKRIY), the current Cyclically Adjusted Book per Share is $13.77 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bank of Ireland Group (BKRIY) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Ireland Group stock appears to be overvalued. The current stock price of $19.86 is trading 57.6% above its estimated GF Value™ of $12.60. GuruFocus considers Bank of Ireland Group to be Significantly Overvalued.

Key valuation signals for BKRIY:

  • Cyclically Adjusted Book per Share: $13.77
  • GF Value™: $12.60 vs. price of $19.86 (57.6% above fair value)
  • GF Score™: 69/100 with 6 warning signs

No single metric tells the full story. See the BKRIY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank of Ireland Group Business Description

Address 2 College Green, Dublin, IRL, D02 VR66
Bank of Ireland Group PLC is an Irish financial services group operating mostly in Ireland and the United Kingdom. Services include mortgages, business, and corporate lending, term loans, leasing, foreign exchange, life assurance, and pension products, among others. The bank's trading divisions include Retail Ireland, Wealth and Insurance, Retail UK, Corporate and Commercial , and Group Centre. The bank generates the majority of its revenue from Retail Ireland and serves consumer and business customers across a broad range of segments and sectors. Revenue is also derived from fees for a range of banking and transaction services. The bank has access to distribution in the United Kingdom via its relationship as a financial services partner with the nation's post office.
69GF Score

Get the complete analysis for BKRIY

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.86
Price
$12.60
GF Value