Bank of Ireland Group AI Stock Analysis
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Bank of Ireland Group (BKRIY) AI Stock Analysis
Bank of Ireland Group
(Other OTC:BKRIY)
BKRIY earns a moderate score anchored by a solid, de-levered balance sheet and a growing equity base, offset by declining net income, compressing margins and highly volatile cash flows that reduce earnings predictability. Technicals are supportive, with the price trading above its 50-, 100- and 200-day averages and positive MACD momentum in a neutral, non-stretched RSI zone. Valuation adds to the case, with a 13.9 P/E, a 3.66% dividend yield and low beta offering income and relative stability. Earnings call and corporate event data were unavailable and therefore excluded, with their weight redistributed across the remaining factors.
Bank of Ireland Group (BKRIY) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $20.11B
- Dividend Yield
- 4.46%
- Average Volume (3M)
- 25.65K
- Price to Earnings (P/E)
- 14.4
- Beta (1Y)
- 0.76
- Revenue Growth
- 9.02%
- EPS Growth
- 22.19%
- Country
- US
- Employees
- 11,287
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Bank of Ireland Group Business Overview & Revenue Model
Company Description
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 Corpo...
How the Company Makes Money
Bank of Ireland Group primarily makes money through (1) net interest income, (2) non-interest income (fees and commissions), and (3) other income related to treasury, markets and balance-sheet management. Net interest income is typically the largest...
Bank of Ireland Group Earnings Call Summary
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.
Q4-2025 Updates
Positive Updates
Negative Updates
Company Guidance
The management provided detailed three‑year guidance: they expect income to grow at a CAGR of >4% to >€4.75bn by 2028, NII to rise to ~€3.4bn in 2026 (above the high €3.3s), >€3.6bn in 2027 and >€3.85bn in 2028 (with potential to reach ~€4.0bn after 2028), fee income to grow ~4% p.a. (W&I fee income up 12% in 2025 and W&I now ≈50% of fees), AUM to grow ~10% p.a. from €60bn to >€75bn by 2028 (€100bn target by 2030), loans ~4% p.a. and deposits ~3% p.a. (Irish loans/deposits both +6% in 2025; Irish mortgage book ~5% p.a. and >40% share of new lending), total costs broadly stable at ~€2.2bn with underlying operating expense growth ~2% in 2026 and EUR250m of identified efficiencies (targeting mid‑40s cost/income by 2028, ~6pp improvement from 52%), staff down ~3% p.a., impairment/cost of risk 23bps in 2025 (EUR193m) and guided to low‑ to mid‑20bps, NPE 2.2% (end 2025), capital generation 270bps in 2025 and expected ~250–260bps p.a. (net organic cap gen ≈€3.7bn over the plan), reported CET1 15.1% after €1.2bn distributions, new CET1 guidance ~14.5% (target operating level), distributions for 2025 €1.2bn (100% payout; DPS €0.70, +11%, plus €530m buyback) with a progressive dividend and a ~50% payout target over the cycle, and structural hedge tailwinds (average hedge yield up to 1.89% in 2025, exit 1.98%; fixed‑leg income +10% in 2026; gross hedge benefit ≈€0.5bn over three years).
Bank of Ireland Group Financial Statement Overview
Summary
Bank of Ireland shows a moderately healthy but inconsistent financial profile. The balance sheet is the clear strength (68), with equity growing from $9.6B in 2020 to $12.9B in 2025 and leverage cut sharply from 2.09x to about 0.81x, supported by $164.8B in total assets. The income statement (62) is mixed: 2025 revenue growth of 46% to $6.09B is strong, but net income fell to $1.2B from $1.53B and margins compressed from 34% to roughly 20%, with EBIT down from $2.3B to $1.4B. Cash flow (55) is the weak link, with $4.0B operating and $3.5B free cash flow in 2025 but extreme swings, including negative free cash flow of $4.8B in 2023, making future generation hard to predict.
Income Statement
62PositiveBalance Sheet
68PositiveCash Flow
55Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 6.34B | 6.09B | 4.46B | 7.11B | 2.96B | 3.19B |
| Gross Profit | 4.47B | 4.21B | 4.46B | 4.09B | 2.96B | 3.19B |
| EBITDA | 1.85B | 1.72B | 2.17B | 2.21B | 1.25B | 1.47B |
| Net Income | 1.39B | 1.20B | 1.53B | 1.59B | 850.00M | 1.05B |
Balance Sheet | ||||||
| Total Assets | 168.53B | 164.80B | 161.81B | 155.71B | 151.32B | 155.27B |
| Cash, Cash Equivalents and Short-Term Investments | 20.51B | 24.27B | 33.55B | 31.49B | 38.10B | 32.82B |
| Total Debt | 12.86B | 10.52B | 10.22B | 13.15B | 12.45B | 23.54B |
| Total Liabilities | 156.70B | 151.88B | 148.80B | 143.15B | 139.39B | 143.93B |
| Stockholders Equity | 11.82B | 12.92B | 13.01B | 12.56B | 11.46B | 11.27B |
Cash Flow | ||||||
| Free Cash Flow | 7.27B | 3.52B | 2.12B | -4.80B | 3.63B | 19.44B |
| Operating Cash Flow | 7.74B | 3.99B | 2.64B | -4.39B | 3.73B | 19.76B |
| Investing Cash Flow | -9.34B | -12.45B | -557.00M | -960.00M | 4.69B | 842.00M |
| Financing Cash Flow | -2.19B | -1.22B | -1.48B | -811.00M | -2.67B | 293.00M |
Bank of Ireland Group Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BKRIY, the sentiment is Positive. The current price of 21.38 is above the 20-day moving average (MA) of 21.01, below the 50-day MA of 21.62, and above the 200-day MA of 20.09, indicating a neutral trend. The MACD of 0.09 indicates Negative momentum. The RSI at 51.45 is Neutral, neither overbought nor oversold. The STOCH value of 80.45 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BKRIY.
Bank of Ireland Group Peers Comparison
Overall Rating
HBAN72Outperform
MTB71Outperform
CFG69Neutral
KEY69Neutral- BKRIY67Neutral
RF53Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HBAN | 72Outperform | $31.88B | 12.26 | 8.19% | 3.92% | 24.22% | -14.23% |
| MTB | 71Outperform | $31.72B | 11.50 | 10.65% | 2.71% | -0.10% | 18.13% |
| CFG | 69Neutral | $27.36B | 13.05 | 8.74% | 2.91% | 3.81% | 39.34% |
| KEY | 69Neutral | $22.66B | 11.73 | 10.88% | 3.82% | 8.77% | 125.21% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BKRIY | 67Neutral | $19.78B | 14.36 | 11.12% | 4.46% | 9.02% | 22.19% |
| RF | 53Neutral | $24.50B | 11.19 | 12.32% | 3.79% | 0.54% | 12.74% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BKRIY | Bank of Ireland Group Plc Unsponsored ADR | 21.38 | 4.09 | 23.63% | |
| HBAN | Huntington Bancshares | 15.82 | 1.09 | 7.38% | |
| KEY | KeyCorp | 21.46 | 5.02 | 30.51% | |
| MTB | M&T Bank Corporation | 221.12 | 45.10 | 25.62% | |
| RF | Regions Financial Corp. | 28.86 | 5.50 | 23.57% | |
| CFG | Citizens Financial Group | 65.26 | 16.95 | 35.09% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 31, 2026