Bank of Ireland Group (BIRG) Stock Overview
Provides banking and other financial services in the Republic of Ireland, the United Kingdom, and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 3/6 |
| Past Performance | 2/6 |
| Financial Health | 4/6 |
| Dividends | 3/6 |
BIRG Community Fair Values
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Analyst Price Targets
Bank of Ireland Group plc Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | €17.54 |
| 52 Week High | €17.93 |
| 52 Week Low | €11.29 |
| Beta | 0.49 |
| 1 Month Change | 5.89% |
| 3 Month Change | 14.38% |
| 1 Year Change | 44.78% |
| 3 Year Change | 83.82% |
| 5 Year Change | 283.22% |
| Change since IPO | -86.27% |
Recent News & Updates
Narrative Update • Jun 02
BIRG: Buybacks And Dublin Listing Shift Will Shape Measured 2028 Outlook
Bank of Ireland Group's analyst price target has been nudged higher, with the fair value estimate moving from €18.78 to about €19.15 as analysts factor in updated views on discount rates, revenue growth, profit margins and future P/E, supported by a series of recent target raises and upgrades across the Street. Analyst Commentary Recent Street research on Bank of Ireland Group shows a mix of optimism and caution around execution, valuation and the Irish macro backdrop, with several firms adjusting price targets and ratings in both directions.Narrative Update • May 01
BIRG: Share Buybacks And Dublin Listing Focus Will Drive Future Upside Potential
Bank of Ireland Group's updated analyst price target has shifted to €18.78, reflecting slightly firmer assumptions on fair value, profitability and future P/E, as analysts digest a series of recent target moves and rating changes across the Street. Analyst Commentary Recent research updates show a mix of optimism and caution around Bank of Ireland Group, with several firms adjusting price targets and ratings as they reassess fair value, execution risks and growth expectations.Recent updates
Narrative Update • Jun 02
BIRG: Buybacks And Dublin Listing Shift Will Shape Measured 2028 Outlook
Bank of Ireland Group's analyst price target has been nudged higher, with the fair value estimate moving from €18.78 to about €19.15 as analysts factor in updated views on discount rates, revenue growth, profit margins and future P/E, supported by a series of recent target raises and upgrades across the Street. Analyst Commentary Recent Street research on Bank of Ireland Group shows a mix of optimism and caution around execution, valuation and the Irish macro backdrop, with several firms adjusting price targets and ratings in both directions.Narrative Update • May 01
BIRG: Share Buybacks And Dublin Listing Focus Will Drive Future Upside Potential
Bank of Ireland Group's updated analyst price target has shifted to €18.78, reflecting slightly firmer assumptions on fair value, profitability and future P/E, as analysts digest a series of recent target moves and rating changes across the Street. Analyst Commentary Recent research updates show a mix of optimism and caution around Bank of Ireland Group, with several firms adjusting price targets and ratings as they reassess fair value, execution risks and growth expectations.Narrative Update • Apr 09
BIRG: Share Buybacks And Mixed Research Views Will Shape Future Risk Reward Balance
Analysts have trimmed the Bank of Ireland Group price target slightly to €18.06 from €18.22, reflecting updated views on Ireland's macro backdrop and recent research moves, including JPMorgan's upgrade to Neutral and Deutsche Bank's higher target, balanced by a small reduction from RBC. Analyst Commentary Recent research shows a mixed but generally constructive reassessment of Bank of Ireland Group, with several price target changes and one rating upgrade helping shape how analysts view valuation, execution and growth potential.Narrative Update • Mar 26
BIRG: Share Buybacks And Supportive Macro Backdrop Will Drive Future Upside Potential
Analysts have nudged their price expectations for Bank of Ireland Group higher, with the updated fair value estimate moving from about €18.01 to €18.22. This reflects a blend of mixed target moves on the Street and supportive views on Ireland's macro backdrop and the bank's earnings profile.Narrative Update • Mar 11
BIRG: Share Buybacks And Macro Backdrop Will Support Future Upside Potential
The analyst price target for Bank of Ireland Group has moved modestly higher to about €18.00. This reflects updated assumptions for slightly stronger revenue growth, a firmer profit margin profile and a lower future P/E multiple, in line with the recent mix of upward and downward price target revisions across the Street.Narrative Update • Feb 24
BIRG: Mixed Broker Stances And Higher Multiples Will Guide Future Share Pricing
The updated analyst price target for Bank of Ireland Group has increased by about €0.72 per share to €17.76. This reflects analysts' mixed but generally supportive views, with some raising targets toward €19.40 while others trim or hold closer to the mid-teens.Narrative Update • Feb 10
BIRG: Higher Fair Assumptions And Modest Risks Will Shape Future Share Pricing
Analysts have lifted their price target on Bank of Ireland Group to around €17.15 from €15.50, reflecting updated assumptions on fair value, discount rate, revenue growth, profit margin and future P/E multiples. Analyst Commentary Bullish analysts lifting the price target to about €17.15 are signalling greater confidence in how current assumptions on fair value, discount rate, revenue growth, profit margin and future P/E multiples line up for Bank of Ireland Group.Narrative Update • Jan 27
BIRG: Rising Street Optimism And Ongoing Execution Risks Will Likely Anchor Fair Value
Our analyst price target for Bank of Ireland Group has been increased to €16.97 from €16.97, reflecting small model adjustments to the discount rate and P/E assumptions, as well as a cluster of higher Street targets from Citi, JPMorgan, UBS and RBC that point to improving sentiment on the stock. Analyst Commentary Recent Street research on Bank of Ireland Group shows a cluster of higher price targets and one rating upgrade.Narrative Update • Jan 12
BIRG: Rising Price Views And Mixed Ratings Will Likely Anchor Fair Value
Narrative Update on Bank of Ireland Group The analyst price target for Bank of Ireland Group has been adjusted to €16.97 per share. The change is supported by recent target increases from several research houses that cite improving sentiment and earnings expectations, while updated model inputs such as a slightly lower discount rate and a broadly unchanged assumed future P/E of about 11x kept the fair value assessment stable.Narrative Update • Dec 18
BIRG: Improving Sentiment And Earnings Visibility Will Likely Support Fair Value Range Ahead
Analysts have nudged their price target for Bank of Ireland Group slightly higher to about EUR 16.97 from roughly EUR 16.85, reflecting broadly stronger earnings expectations and improving investor sentiment following a series of upward target revisions across the Street. Analyst Commentary Recent research updates illustrate a broad reassessment of Bank of Ireland Group's earnings power and return profile, with multiple firms lifting price targets into the mid to high teens.Narrative Update • Dec 04
BIRG: Improving Sentiment And Earnings Visibility Will Likely Support Fair Value Ahead
The analyst price target for Bank of Ireland Group has been raised from about EUR 15.80 to around EUR 16.85. This reflects analysts' increased confidence in the bank's above sector average earnings prospects and broadly improving investor sentiment.Narrative Update • Nov 19
BIRG: Improving Investor Sentiment Will Likely Support Fair Value Amid Earnings Optimism
The analyst price target for Bank of Ireland Group has increased from €15.40 to €15.81, with analysts citing improving investor sentiment and expectations of above-sector-average earnings growth as key drivers for the upward revision. Analyst Commentary Recent research notes on Bank of Ireland Group highlight both optimism regarding the company’s earnings trajectory and some continued caution from parts of the analyst community.Narrative Update • Nov 05
BIRG: Improved Earnings Outlook Will Likely Support Stable Fair Value Ahead
The analyst fair value estimate for Bank of Ireland Group has risen to €15.40 from €14.29, reflecting analysts' optimism about improved earnings prospects and positive sector sentiment. Analyst Commentary Recent analyst updates signal a constructive outlook on Bank of Ireland Group, with multiple research firms raising their price targets and, in one instance, issuing a rating upgrade.Narrative Update • Oct 22
Analyst Price Targets Edge Higher for Bank of Ireland Group Amid Resilient Margins and Buyback News
Bank of Ireland Group's analyst price target has edged higher, rising from €14.09 to €14.29. Analysts cite resilient profit margins and continued positive momentum in recent research updates.Narrative Update • Oct 08
Bank Will Invest In Digital Platforms To Improve Customer Satisfaction And Reduce Costs
Analysts have modestly raised their price target for Bank of Ireland Group, increasing it from €13.90 to €14.09 per share. They cited persistent revenue growth and stable profitability metrics as key drivers behind the upward revision.Narrative Update • Sep 11
Bank Will Invest In Digital Platforms To Improve Customer Satisfaction And Reduce Costs
Analysts have raised Bank of Ireland Group’s price target to €13.90, citing resilient earnings momentum, robust capital returns, and stable asset quality amid favorable macroeconomic conditions and operational improvements. Analyst Commentary Bullish analysts highlighted stronger-than-expected earnings momentum supported by resilient net interest income and effective cost management.Narrative Update • Aug 27
Bank Will Invest In Digital Platforms To Improve Customer Satisfaction And Reduce Costs
Amid effectively unchanged discount rate and future P/E metrics, the consensus analyst price target for Bank of Ireland Group remained stable at €13.60. What's in the News Bank of Ireland Group announced a proposed interim dividend of 25.00 cent per share for 30 June 2025, payable on 30 October 2025 to shareholders on the register as of 3 October 2025.
New Narrative • Mar 02
Bank Will Invest In Digital Platforms To Improve Customer Satisfaction And Reduce Costs
Growth in the Irish economy and strategic market positioning are driving loan, deposit, and AUM growth, supporting revenue and earnings increases.Shareholder Returns
| BIRG | IE Banks | IE Market | |
|---|---|---|---|
| 7D | 2.7% | 2.8% | 3.1% |
| 1Y | 44.8% | 37.3% | 18.2% |
Return vs Industry: BIRG exceeded the Irish Banks industry which returned 37.3% over the past year.
Return vs Market: BIRG exceeded the Irish Market which returned 18.2% over the past year.
Price Volatility
| BIRG volatility | |
|---|---|
| BIRG Average Weekly Movement | 3.8% |
| Banks Industry Average Movement | 3.9% |
| Market Average Movement | 3.6% |
| 10% most volatile stocks in IE Market | 5.6% |
| 10% least volatile stocks in IE Market | 1.5% |
Stable Share Price: BIRG has not had significant price volatility in the past 3 months compared to the Irish market.
Volatility Over Time: BIRG's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1783 | 11,287 | Myles O'Grady | www.bankofireland.com |
Bank of Ireland Group plc provides banking and other financial services in the Republic of Ireland, the United Kingdom, and internationally. It offers current and savings accounts, demand and notice accounts, and business accounts and deposits; personal, car, home improvement and energy upgrade, top-up loans, and student loans, as well as overdrafts and mortgages; and business and farming loans, green business, insurance premium finance, invoice finance, hire purchase, and leasing services. The company also provides international payments and credit cards; international money transfer services; investment products; premier and private banking services; and business protection, mortgage protection, income protection, home protection, and protection for individuals and families.
Bank of Ireland Group plc Fundamentals Summary
| BIRG fundamental statistics | |
|---|---|
| Market cap | €16.70b |
| Earnings (TTM) | €1.12b |
| Revenue (TTM) | €3.95b |
15.0x
P/E Ratio1.3x
P/B RatioIs BIRG overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| BIRG income statement (TTM) | |
|---|---|
| Revenue | €3.95b |
| Cost of Revenue | €0 |
| Gross Profit | €3.95b |
| Other Expenses | €2.84b |
| Earnings | €1.12b |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
Jul 31, 2026
| Earnings per share (EPS) | 1.17 |
| Gross Margin | 100.00% |
| Net Profit Margin | 28.20% |
| Debt/Equity Ratio | 89.3% |
How did BIRG perform over the long term?
See historical performance and comparisonDividends
4.0%
Current Dividend Yield61%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/15 14:43 |
| End of Day Share Price | 2026/06/12 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Bank of Ireland Group plc is covered by 24 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Grace Dargan | Barclays |
| Rohith Chandra-Rajan | Barclays |
| Amandeep Rakkar | Barclays |