Bank of Ireland Group

BIRG.DE

Banks · Financial Services

Price

€19.11

+0.42 (+2.25%)

Market Cap

€18.16B

Exchange

Frankfurt Stock Exchange

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Good

Valuation

Strong

Dividends

Strong

Track this stock — start free trial

Share count falling — buybacks

−9.7% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 1.07B (2021) → 971.0M (2025)

Winston Score History

The full picture

Bank of Ireland is one of Ireland's oldest and largest banks, founded in 1783. It offers everyday banking services like checking accounts, savings accounts, mortgages, and loans to regular people and businesses across Ireland and the United Kingdom. It also provides insurance and wealth management products, making it one of the most recognized financial brands in Ireland.

The bank earns money primarily through net interest income — charging more on loans than it pays on deposits — as well as fees for various financial services. It operates mainly in Ireland and the UK, with Ireland accounting for the majority of its revenue, and it holds a leading market share in Irish mortgages and business lending. Its long history and deep retail network give it a strong local presence, but its main risk is exposure to the Irish and UK economies, meaning a housing market slowdown or rising loan defaults could meaningfully hurt its earnings.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+129.6% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+34.5% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

€0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

€162.1B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Bank of Ireland Group grew revenue 130% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+22.9%

Fast-growing sales (+22.9% YoY)

Profit growth

EPS YoY

+13.4%

Earnings growing (+13.4% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

14.2x

Attractive valuation — P/E 14.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+1.7

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend

Dividend Yield

3.70%

Moderate income — 3.70% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

+28.5%

Dividend growing fast (28.5% YoY)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial