Bank of Ireland GroupDUB:BIRG +0.11%47 EV-to-FCF is 0.87 as of Jul. 01, 2026, which is 26% below its 10-year median of 1.17. GuruFocus rates DUB:BIRG with a GF Score™ of 47/100 and a GF Value™ of €10.84 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,194 Banks companies, Bank of Ireland Group ranks better than 77.39% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Bank of Ireland Group's Enterprise Value is €3,049 Mil.
Bank of Ireland Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €3,523 Mil. Therefore, Bank of Ireland Group's EV-to-FCF for today is 0.87.
The historical rank and industry rank for Bank of Ireland Group's EV-to-FCF or its related term are showing as below:
DUB:BIRG'
s EV-to-FCF Range Over the Past 10 Years
Min: -34.36 Med: 1.17 Max: 14.86
Current: 0.93
During the past 13 years, the highest EV-to-FCF of Bank of Ireland Group was 14.86. The lowest was -34.36. And the median was 1.17.
DUB:BIRG's EV-to-FCF is ranked better than 77.39% of 1194
companies
in the Banks industry
Industry Median: 6.565
vs DUB:BIRG: 0.93
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bank of Ireland Group (DUB:BIRG) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bank of Ireland Group's PE Ratio (TTM) for today is calculated as:
Bank of Ireland Group's share price for today is €17.425.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Bank of Ireland Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €1.148.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, Bank of Ireland Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Ireland Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Bank of Ireland Group's EV-to-FCF falls into.
Bank of Ireland Group's current Enterprise Value is €3,049 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Bank of Ireland Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €3,523 Mil.
* 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 (DUB:BIRG) has a EV-to-FCF of 0.87 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bank of Ireland Group and its competitors. This is 26% below median its historical median of 1.17. According to the industry distribution chart, Bank of Ireland Group ranks #270 out of 1194 companies in the Banks industry, placing it in the top 22.6%.
Is Bank of Ireland Group's EV-to-FCF too high?
Bank of Ireland Group's current EV-to-FCF of 0.87 is 26% below median its 10-year median of 1.17. The Banks industry median EV-to-FCF is 6.57. Bank of Ireland Group's value of 0.87 is 86.7% below this industry median. Based on the distribution chart, Bank of Ireland Group ranks #270 out of 1194 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank of Ireland Group has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Ireland Group's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Bank of Ireland Group ranks #270 out of 1194 companies for EV-to-FCF. This places Bank of Ireland Group in the top 23% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.57. Bank of Ireland Group's value of 0.87 is 86.7% below this benchmark. While the company's 10-year median is 1.17 vs. the industry median of 6.57, Bank of Ireland Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,194 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of Ireland Group's current EV-to-FCF of 0.87 is 86.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bank of Ireland Group and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Ireland Group's current EV-to-FCF is 0.87, which is 26% below median its own 10-year median of 1.17. 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 (DUB:BIRG) is currently considered Significantly Overvalued. The stock's GF Value™ is €10.84, compared to a current price of €17.43 — trading 60.7% above its estimated fair value. The current EV-to-FCF is 0.87, which is 26% below median its 10-year median of 1.17 and 86.7% below the Banks industry median of 6.57. Bank of Ireland Group's overall GF Score™ is 47/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Bank of Ireland Group (DUB:BIRG), the current EV-to-FCF is 0.87 as of Jul. 01, 2026. 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 (DUB:BIRG) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Ireland Group stock appears to be overvalued.
The current stock price of €17.43 is trading 60.7% above its estimated GF Value™ of €10.84.
GuruFocus considers Bank of Ireland Group to be Significantly Overvalued.
Key valuation signals for DUB:BIRG:
EV-to-FCF: 0.87 (26% below median its 10-year median of 1.17)
GF Value™: €10.84 vs. price of €17.43 (60.7% above fair value)
Industry Position: 86.7% below the Banks median (#270 of 1194)
No single metric tells the full story. See the DUB:BIRG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
47GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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