Bank of Ireland Group stock analysis
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Bank of Ireland Group (BKRIY) Stock Price & Analysis
BKRIY Stock Chart & Stats
- Day’s Range
- $21.11 - $21.11
- 52-Week Range
- $17.06 - $23.66
- Previous Close
- $21.65
- Volume
- N/A
- Average Volume (3M)
- 10.36K
- Market Cap
- $19.67B
- Enterprise Value
- $10.18B
- Total Cash (Recent Filing)
- $20.51B
- Total Debt (Recent Filing)
- $12.86B
- Price to Earnings (P/E)
- 14.2
- Beta
- 0.71
- Next Earnings
- Mar 01, 2027 (Est.)
- EPS Estimate
- 0.94
- Last Dividend Ex-Date
- Oct 02, 2026
- Dividend Yield
- 4.52%
Bulls Say, Bears Say
Bulls Say
Strong Recent Profitability
The return to substantial profitability indicates stronger earnings capacity and improved operating resilience. Sustained profits can support capital formation, lending growth, regulatory requirements and shareholder distributions, provided performance remains stable across the cycle.
Improved Balance-Sheet Leverage
Lower leverage improves financial flexibility and strengthens the group’s ability to absorb credit losses or economic weakness. A sizeable equity base of approximately $12.9B also provides a more durable foundation for lending and regulatory capital needs.
Recent Cash Generation
Strong recent cash generation supports internal funding of operations, balance-sheet investment and potential distributions. Although consistency remains important, the 2024–2025 rebound demonstrates that the business can generate meaningful cash during stronger operating periods.
Bears Say
Revenue Volatility
Large year-to-year revenue movements reduce earnings visibility and make long-term planning less predictable. For a bank dependent on interest spreads, loan volumes and treasury income, this volatility can complicate expense management and capital allocation.
Inconsistent Cash Flows
The history of sharply varying cash generation lowers confidence in repeatability and may reflect timing or balance-sheet swings. Even after the recent rebound, uneven cash conversion can constrain flexibility during weaker credit or funding conditions.
Debt And Cyclical Returns
Although leverage has improved, the remaining debt base still exposes the group to funding, credit and economic-cycle risks. Inconsistent return on equity suggests profitability is not yet structurally improving, which may limit dependable long-term value creation.
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Bank of Ireland Group Stock Smart Score
Company Description
Bank of Ireland Group
Bank of Ireland Group plc, founded in Dublin, Ireland in 1783, offers an extensive array of banking and financial services. The organization is structured into four main operational segments: Retail Ireland, Wealth and Insurance, Retail UK, and Corporate and Treasury. Its financial provisions include current and savings accounts, along with various business deposit solutions. Lending options span personal needs, such as vehicle, home renovation, graduate, and student loans, as well as overdrafts; for businesses and agricultural clients, it provides standard loans, BREXIT-related funding, invoice financing, hire purchase, and leasing. Additionally, the company facilitates international payments and issues credit cards. Bank of Ireland also offers a broad spectrum of protection and insurance products, including mortgage and life cover, specified illness and income protection for individuals and families, as well as home, car, and travel insurance. Its wealth management services encompass pensions, investments, foreign exchange, treasury deposits, and private banking, alongside specialized financing for leveraged acquisitions and property development.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Myles O'Grady
- Employees
- 11,287
- Website
- www.bankofireland.com
- Address
- Baggot Plaza, Dublin, DU, D04 VX58, IE
Bank of Ireland Group (BKRIY) Earnings & Revenues
BKRIY Company Deck
BKRIY Earnings Call
Earnings Call SentimentPositive
The call presents a constructive and growth-oriented strategic plan centered on a dominant Irish franchise, strong balance sheet momentum, upgraded NII trajectory, robust AUM growth and ambitious efficiency targets. Management balanced growth with prudence (raising CET1 guidance to ~14.5%) and disclosed large one-off charges (EUR 430m non-core, EUR 153m restructuring) and some near-term headwinds (FX, rate moves, deleveraging impacts, IRB scalers, interchange changes). Execution risk is concentrated on realizing EUR 250m of efficiencies, integrating digital/AI investments and recouping capital impacts from IRB scalers. Overall, the positives around earnings growth, capital generation and strategic clarity outweigh the disclosed lowlights.
View all BKRIY earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 11 | 3 | 8 |
| Technical Analysis | 4 | 3 | 3 |
| Moving Averages | 7 | 0 | 5 |










