Bank of Ireland Group plc (ISE:BIRG)
Ireland · Delayed Price · Currency is EUR 18.39
+0.18 (0.96%)
Jul 24, 2026, 4:30 PM GMT
Bank of Ireland Group Financials Overview
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 3,976 | 3,976 | 4,316 | 4,027 | 2,968 | 3,190 |
Revenue Growth | -0.15% | -7.88% | 7.18% | 35.68% | -6.96% | 20.97% |
Net Income Net Income Growth | 1,184 | 1,184 | 1,506 | 1,581 | 850 | 1,048 |
Earnings Per Share EPS Growth | 1.15 | 1.15 | 1.42 | 1.40 | 0.73 | 0.91 |
EPS Growth | -3.45% | -19.10% | 1.29% | 92.18% | -20.07% | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Retail Ireland Retail Ireland Growth | 2,038 | 2,038 | 2,274 | 1,446 | 810 | 1,208 |
Wealth and Insurance Wealth and Insurance Growth | 391 | 391 | 340 | 361 | 133 | 293 |
Retail UK Retail UK Growth | 544 | 544 | 608 | 517 | 559 | 705 |
Corporate and Commercial Corporate and Commercial Growth | 1,068 | 1,068 | 1,008 | 1,714 | 1,368 | 929 |
Group Centre Group Centre Growth | -66 | -66 | -30 | -26 | 62 | - |
Other Reconciling Items Other Reconciling Items Growth | -14 | -14 | -11 | 13 | -2 | 3 |
Unallocated Customer Redress Charges Unallocated Customer Redress Charges Growth | -268 | -268 | -182 | - | -22 | -22 |
Unallocated Gross-Up for Policyholder Tax in The Wealth and Insurance Business Unallocated Gross-Up for Policyholder Tax in The Wealth and Insurance Business Growth | 13 | 13 | 27 | 26 | 24 | 24 |
Unallocated Gain on Disposal / Liquidation of Business Activities Unallocated Gain on Disposal / Liquidation of Business Activities Growth | - | - | 5 | -8 | - | - |
Unallocated Portfolio Divestments (Net) Unallocated Portfolio Divestments (Net) Growth | 5 | 5 | 85 | -18 | 8 | 8 |
Unallocated Investment Return on Treasury Shares Held for Policyholders Unallocated Investment Return on Treasury Shares Held for Policyholders Growth | -5 | -5 | -2 | - | -8 | -8 |
Total Total Growth | 3,706 | 3,706 | 4,122 | 4,025 | 2,934 | 3,142 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents Cash Growth | 23,102 | 23,102 | 32,550 | 31,969 | 36,995 | 31,519 |
Total Debt Total Debt Growth | 9,654 | 9,654 | 10,996 | 10,285 | 9,430 | 10,464 |
Net Cash (Debt) Net Cash Growth | -9,654 | -9,654 | -10,996 | -10,285 | -9,430 | -10,464 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -9.94 | -9.94 | -10.74 | -9.69 | -8.80 | -9.73 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | 3,993 | 3,993 | 2,639 | -4,392 | 1,629 | 19,757 |
Capital Expenditures CapEx Growth | -434 | -160 | -140 | -116 | -104 | -73 |
Free Cash Flow Free Cash Flow Growth | 3,559 | 3,833 | 2,499 | -4,508 | 1,525 | 19,684 |
Free Cash Flow Growth | 62.88% | 53.38% | - | - | -92.25% | 380.10% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Pretax Margin | 34.53% | 34.53% | 42.31% | 47.55% | 34.06% | 38.28% |
Profit Margin | 29.78% | 29.78% | 34.89% | 39.26% | 28.91% | 33.07% |
FCF Margin | 89.51% | 96.40% | 57.90% | -111.94% | 51.38% | 617.05% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 27, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 0.700 | 0.700 | 0.630 | 0.600 | 0.210 | 0.050 |
Dividend Per Share Growth | 11.11% | 11.11% | 5.00% | 185.71% | 320.00% | - |
Dividend Yield | 3.81% | 3.23% | 10.79% | 2.58% | 0.57% | 0.00% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 27, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 16.01 | 14.27 | 6.21 | 5.87 | 12.21 | 5.47 |
Forward PE | 11.99 | 10.52 | 6.14 | 5.16 | 8.76 | 6.84 |
P/FCF Ratio | - | 4.07 | 114.09 | - | 188.87 | 8.20 |
PS Ratio | 4.43 | 3.92 | 66.06 | 66.06 | 97.05 | 50.62 |