AIB Group plc

DB:A5G Stock Report

Market Cap: €11.9b

AIB Group Valuation

Is A5G undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of A5G when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: A5G (€4.93) is trading below our estimate of fair value (€13.06)

Significantly Below Fair Value: A5G is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for A5G?

Key metric: As A5G is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for A5G. This is calculated by dividing A5G's market cap by their current earnings.
What is A5G's PE Ratio?
PE Ratio5.3x
Earnings€2.25b
Market Cap€11.90b

Price to Earnings Ratio vs Peers

How does A5G's PE Ratio compare to its peers?

The above table shows the PE ratio for A5G vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average7.7x
CBK Commerzbank
7.9x8.8%€16.9b
PCZ ProCredit Holding
4.4x10.7%€461.8m
MBK Merkur PrivatBank KgaA
10x8.6%€108.9m
PNB Punjab National Bank
8.3x9.0%₹1.2t
A5G AIB Group
5.3x-13.4%€11.9b

Price-To-Earnings vs Peers: A5G is good value based on its Price-To-Earnings Ratio (5.3x) compared to the peer average (7.7x).

Price to Earnings Ratio vs Industry

How does A5G's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
A5G 5.3xIndustry Avg. 7.3xNo. of Companies45PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: A5G is good value based on its Price-To-Earnings Ratio (5.3x) compared to the European Banks industry average (7.3x).

Price to Earnings Ratio vs Fair Ratio

What is A5G's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

A5G PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5.3x
Fair PE Ratio8.3x

Price-To-Earnings vs Fair Ratio: A5G is good value based on its Price-To-Earnings Ratio (5.3x) compared to the estimated Fair Price-To-Earnings Ratio (8.3x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst A5G forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€4.93
€6.03
+22.3%
12.5%€7.80€4.85n/a11
Nov ’25€4.93
€5.96
+20.9%
13.5%€7.90€4.80n/a11
Oct ’25€4.92
€6.12
+24.3%
11.2%€7.90€4.90n/a11
Sep ’25€5.31
€6.12
+15.3%
11.3%€7.90€4.80n/a11
Aug ’25€5.23
€6.00
+14.7%
10.6%€7.60€4.80n/a11
Jul ’25€4.97
€5.98
+20.4%
11.0%€7.60€4.80n/a12
Jun ’25€5.35
€5.99
+12.0%
10.9%€7.60€4.80n/a12
May ’25€4.80
€5.86
+22.1%
11.0%€7.40€4.80n/a12
Apr ’25€4.51
€5.69
+26.3%
12.5%€7.40€4.50n/a13
Mar ’25€4.18
€5.18
+23.9%
18.3%€7.00€2.65n/a14
Feb ’25€4.22
€5.15
+22.0%
18.0%€7.00€2.65n/a14
Jan ’25€3.65
€5.29
+44.8%
17.3%€7.00€2.65n/a14
Dec ’24€4.07
€5.37
+31.9%
17.6%€7.00€2.65n/a14
Nov ’24€3.99
€5.44
+36.4%
18.5%€6.90€2.65€4.9314
Oct ’24€4.06
€5.30
+30.8%
20.0%€6.80€2.65€4.9214
Sep ’24€4.05
€5.26
+29.8%
20.1%€6.80€2.65€5.3115
Aug ’24€4.06
€5.09
+25.4%
18.9%€6.50€2.65€5.2315
Jul ’24€3.67
€4.90
+33.4%
18.4%€6.50€2.65€4.9715
Jun ’24€3.71
€4.82
+30.0%
17.1%€5.90€2.65€5.3515
May ’24€3.80
€4.65
+22.4%
16.9%€5.80€2.65€4.8015
Apr ’24€3.60
€4.56
+26.6%
15.8%€5.70€2.65€4.5115
Mar ’24€3.95
€4.22
+6.8%
13.0%€5.12€2.65€4.1815
Feb ’24€3.82
€4.06
+6.3%
11.6%€4.60€2.65€4.2214
Jan ’24€3.55
€3.81
+7.3%
11.9%€4.40€2.65€3.6514
Dec ’23€2.99
€3.74
+24.9%
12.1%€4.40€2.65€4.0714
Nov ’23€2.96
€3.50
+18.4%
14.3%€4.40€2.65€3.9914

Analyst Forecast: Target price is less than 20% higher than the current share price.

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