# AIB Group plc (AIBG.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services / Banks. Price 980p, market value 20.5 billionp.

## Valuation
- **P/E (trailing): 11.8×** (5-yr avg 777.9×, 3-yr avg 601.5×). AIB Group plc trades at 11.8× trailing earnings, well below its own five-year average of 777.9×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 2.4×**. Each dollar of revenue is priced at 2.4×.
- **Price / book: 1.7×**. The shares trade at 1.7× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 22.4%** (5-yr avg 0.5%). Free cash flow equals 22.4% of the market value, above its five-year average of 0.5%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 8.5%**. The inverse of the P/E: 8.5% of the price is earned each year.

## Profitability
- **Gross margin: 94.1%**. AIB Group plc keeps 94.1% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 54.2%**. 54.2% of revenue is left after running the business, an exceptional level.
- **Net margin: 36.7%**. 36.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 16.0%**. 16.0% on shareholders' equity is solid.
- **Return on invested capital: -24.5%**. Return on all capital, debt included, is -24.5%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: 3.0%**. Each dollar of assets produces 3.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 20.2%** (3-yr 26.1%/yr, 5-yr 44.9%/yr). Revenue grew 20.2% over the last year, against 44.9% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 4.5%** (3-yr 52.9%/yr). Earnings per share rose 4.5%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: 39.3 billionp**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 5.80%** (1p per share, trailing). AIB Group plc yields 5.80%, an income-level yield.
- **Payout ratio: 52%** (35% of free cash flow). 52% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 4**. 4 straight years of increases.
- **Shareholder yield: 21.4%**. Dividends plus net buybacks return 21.4% of the market value a year.

## Price and momentum
- **Total return (1 yr): 60.4%** (YTD 23.0%, 3-mo 16.4%). The shares are up 60.4% over twelve months including dividends.
- **From 52-week high: -0.8%** (55.1% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 68**. An RSI of 68 is neutral.
- **Beta (1 yr): 0.96** (volatility 33%). Beta of 0.96 against the FTSE All-Share: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=AIBG.L · Page: https://foliofundamentals.com/stocks/aibg.l

Not investment advice.