AIB Group plc

BATS-CHIXE:A5GI Stock Report

Market Cap: €11.9b

AIB Group Valuation

Is A5GI undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • 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 A5GI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: A5GI (€5.33) is trading below our estimate of fair value (€12.74)

Significantly Below Fair Value: A5GI is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for A5GI?

Key metric: As A5GI is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for A5GI. This is calculated by dividing A5GI's market cap by their current earnings.
What is A5GI's PE Ratio?
PE Ratio5.3x
Earnings€2.25b
Market Cap€11.90b

Price to Earnings Ratio vs Peers

How does A5GI's PE Ratio compare to its peers?

The above table shows the PE ratio for A5GI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average6.1x
TCS TCS Group Holding
6.5xn/aUS$5.1b
HSBK Halyk Bank of Kazakhstan
3.3xn/aUS$5.2b
STAN Standard Chartered
7.4x5.1%UK£23.4b
NWG NatWest Group
7.1x0.3%UK£31.5b
A5GI AIB Group
5.3x-13.4%€11.9b

Price-To-Earnings vs Peers: A5GI is good value based on its Price-To-Earnings Ratio (5.3x) compared to the peer average (6.2x).

Price to Earnings Ratio vs Industry

How does A5GI's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
No. of Companies45PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: A5GI is good value based on its Price-To-Earnings Ratio (5.3x) compared to the European Banks industry average (7.2x).

Price to Earnings Ratio vs Fair Ratio

What is A5GI'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.

A5GI PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5.3x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate A5GI's Price-To-Earnings Fair Ratio for valuation analysis.

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 A5GI forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€5.33
€6.03
+13.1%
12.5%€7.80€4.85n/a11
Nov ’25€4.87
€5.96
+22.3%
13.5%€7.90€4.80n/a11
Oct ’25€4.97
€6.12
+23.3%
11.2%€7.90€4.90n/a11
Sep ’25€5.43
€6.12
+12.8%
11.3%€7.90€4.80n/a11
Aug ’25€5.28
€6.00
+13.6%
10.6%€7.60€4.80n/a11
Jul ’25€4.96
€5.98
+20.7%
11.0%€7.60€4.80n/a12
Jun ’25€5.21
€5.99
+15.1%
10.9%€7.60€4.80n/a12
May ’25€4.91
€5.86
+19.3%
11.0%€7.40€4.80n/a12
Apr ’25€4.60
€5.69
+23.7%
12.5%€7.40€4.50n/a13
Mar ’25€4.23
€5.18
+22.4%
18.3%€7.00€2.65n/a14
Feb ’25€3.98
€5.15
+29.6%
18.0%€7.00€2.65n/a14
Jan ’25€3.82
€5.29
+38.5%
17.3%€7.00€2.65n/a14
Dec ’24€4.14
€5.37
+29.6%
17.6%€7.00€2.65n/a14
Nov ’24€4.12
€5.44
+32.3%
18.5%€6.90€2.65€4.8714
Oct ’24€4.24
€5.30
+25.2%
20.0%€6.80€2.65€4.9714
Sep ’24€4.22
€5.26
+24.5%
20.1%€6.80€2.65€5.4315
Aug ’24€4.19
€5.09
+21.6%
18.9%€6.50€2.65€5.2815
Jul ’24€3.87
€4.90
+26.7%
18.4%€6.50€2.65€4.9615
Jun ’24€3.81
€4.82
+26.4%
17.1%€5.90€2.65€5.2115
May ’24€4.03
€4.65
+15.6%
16.9%€5.80€2.65€4.9115
Apr ’24€3.72
€4.56
+22.3%
15.8%€5.70€2.65€4.6015
Mar ’24€3.96
€4.22
+6.5%
13.0%€5.12€2.65€4.2315
Feb ’24€3.88
€4.06
+4.7%
11.6%€4.60€2.65€3.9814
Jan ’24€3.63
€3.81
+5.0%
11.9%€4.40€2.65€3.8214
Dec ’23€3.08
€3.74
+21.6%
12.1%€4.40€2.65€4.1414
Nov ’23€2.95
€3.50
+18.8%
14.3%€4.40€2.65€4.1214

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

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