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AIB GroupAIBRF +0.88%61 Intrinsic Value: Projected FCF is $49.51 as of Sep. 09, 2026. GuruFocus rates AIBRF with a GF Score™ of 61/100 and a GF Value™ of $7.27 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,295 Banks companies, AIB Group ranks better than 81.16% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-09), AIB Group's Intrinsic Value: Projected FCF is $49.51. The stock price of AIB Group is $13.255. Therefore, AIB Group's Price-to-Intrinsic-Value-Projected-FCF of today is 0.3.
The historical rank and industry rank for AIB Group's Intrinsic Value: Projected FCF or its related term are showing as below:
AIBRF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.1 Med: 0.2 Max: 0.74
Current: 0.27
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of AIB Group was 0.74. The lowest was 0.10. And the median was 0.20.
AIBRF's Price-to-Projected-FCF is ranked better than 81.16% of 1295
companies
in the Banks industry
Industry Median: 0.6
vs AIBRF: 0.27
AIB Group (OTCPK:AIBRF) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
AIB Group's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
13.255
/
50.749596559022
=
0.26
* 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.
AIB Group Intrinsic Value: Projected FCF Related Terms
AIB Group Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for AIB Group's Intrinsic Value: Projected FCF 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.
AIBRF vs USB, PNC: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, AIB Group's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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.
AIB Group Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, AIB Group's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where AIB Group's Price-to-Projected-FCF falls into.
AIB Group Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $49.51 mean?
AIB Group (AIBRF) has a Intrinsic Value: Projected FCF of $49.51 as of Sep. 09, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on AIB Group and its competitors. According to the industry distribution chart, AIB Group ranks #244 out of 1295 companies in the Banks industry, placing it in the top 18.8%.
Is AIB Group's Intrinsic Value: Projected FCF too high?
AIB Group's current Intrinsic Value: Projected FCF is $49.51. The Banks industry median Intrinsic Value: Projected FCF is 0.60. AIB Group's value of $49.51 is 8151.7% above this industry median. Based on the distribution chart, AIB Group ranks #244 out of 1295 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, AIB Group has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AIB Group's Intrinsic Value: Projected FCF compare to USB and PNC?
According to the Banks industry distribution chart, AIB Group ranks #244 out of 1295 companies for Intrinsic Value: Projected FCF. This places AIB Group in the top 19% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.60. AIB Group's value of $49.51 is 8151.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,295 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AIB Group's current Intrinsic Value: Projected FCF of $49.51 is 8151.7% above 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on AIB Group and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIB Group's current Intrinsic Value: Projected FCF is $49.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIB Group stock overvalued right now?
Based on GuruFocus' analysis, AIB Group (AIBRF) is currently considered Significantly Overvalued. The stock's GF Value™ is $7.27, compared to a current price of $13.26 — trading 82.3% above its estimated fair value. The current Intrinsic Value: Projected FCF is $49.51 and 8151.7% above the Banks industry median of 0.60. AIB Group's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For AIB Group (AIBRF), the current Intrinsic Value: Projected FCF is $49.51 as of Sep. 09, 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 AIB Group (AIBRF) Overvalued in 2026?
Based on GuruFocus' analysis, AIB Group stock appears to be overvalued.
The current stock price of $13.26 is trading 82.3% above its estimated GF Value™ of $7.27.
GuruFocus considers AIB Group to be Significantly Overvalued.
Key valuation signals for AIBRF:
Intrinsic Value: Projected FCF: $49.51
GF Value™: $7.27 vs. price of $13.26 (82.3% above fair value)
Industry Position: 8151.7% above the Banks median (#244 of 1295)
No single metric tells the full story. See the AIBRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AIB Group PLC is a banking services company. The company's operating segments are Retail Banking, Capital Markets, AIB UK, Climate & Infrastructure Capital (C&IC), and Group. It generates maximum revenue from the Retail Banking segment. The Retail Banking segment provides products and services through branch, digital, and phone banking channels. It focuses on delivering a seamless and transparent customer experience across all channels, while supporting the development of sustainable businesses within local communities. Geographically, it derives a majority of revenue from Ireland and also has a presence in the United Kingdom and the Rest of the World.
61GF Score
Get the complete analysis for AIBRF
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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