FBD Holdings plc Logo

FBD Holdings plc

FBH.L

(2.0)
Stock Price

12,95 EUR

4.42% ROA

29.39% ROE

6.31x PER

Market Cap.

410.562.650,00 EUR

12.75% DER

17.47% Yield

19.26% NPM

FBD Holdings plc Stock Analysis

FBD Holdings plc Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

FBD Holdings plc Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.92x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (13%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 ROE

The stock's ROE falls within an average range (14.31%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (4.42%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

6 Buffet Intrinsic Value

The company's stock seems undervalued (325) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

7 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

8 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

9 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

FBD Holdings plc Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

FBD Holdings plc Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Sell
4 Stoch RSI Sell

FBD Holdings plc Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

FBD Holdings plc Revenue
Year Revenue Growth
1987 0
1988 0 0%
1989 0 0%
1990 0 0%
1991 0 0%
1992 0 0%
1993 0 0%
1994 173.000 100%
1995 140.000 -23.57%
1996 118.000 -18.64%
1997 141.000 16.31%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 489.282.000 100%
2007 349.612.000 -39.95%
2008 303.151.000 -15.33%
2009 393.893.000 23.04%
2010 385.975.000 -2.05%
2011 340.678.000 -13.3%
2012 337.711.000 -0.88%
2013 341.035.000 0.97%
2014 344.892.000 1.12%
2015 347.691.000 0.81%
2016 325.106.000 -6.95%
2017 344.026.000 5.5%
2018 349.421.000 1.54%
2019 365.270.000 4.34%
2020 335.003.000 -9.03%
2021 357.231.000 6.22%
2022 333.426.000 -7.14%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

FBD Holdings plc Research and Development Expenses
Year Research and Development Expenses Growth
1987 0
1988 0 0%
1989 0 0%
1990 0 0%
1991 0 0%
1992 0 0%
1993 0 0%
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

FBD Holdings plc General and Administrative Expenses
Year General and Administrative Expenses Growth
1987 0
1988 0 0%
1989 0 0%
1990 0 0%
1991 0 0%
1992 0 0%
1993 0 0%
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 92.307.000 100%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

FBD Holdings plc EBITDA
Year EBITDA Growth
1987 0
1988 0 0%
1989 0 0%
1990 0 0%
1991 0 0%
1992 11.712.000 100%
1993 13.606.000 13.92%
1994 13.372.000 -1.75%
1995 17.998.000 25.7%
1996 19.323.000 6.86%
1997 19.517.000 0.99%
1998 51.254.000 61.92%
1999 -5.092.000 1106.56%
2000 42.740.000 111.91%
2001 31.467.000 -35.82%
2002 27.344.000 -15.08%
2003 108.393.000 74.77%
2004 133.300.000 18.68%
2005 188.688.000 29.35%
2006 304.973.000 38.13%
2007 170.603.000 -78.76%
2008 -28.971.000 688.88%
2009 -24.321.000 -19.12%
2010 7.456.000 426.19%
2011 57.056.000 86.93%
2012 60.435.000 5.59%
2013 56.719.000 -6.55%
2014 2.215.000 -2460.68%
2015 -75.158.000 102.95%
2016 30.125.000 349.49%
2017 67.460.000 55.34%
2018 67.200.000 -0.39%
2019 126.333.000 46.81%
2020 7.281.000 -1635.11%
2021 121.932.000 94.03%
2022 90.309.000 -35.02%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

FBD Holdings plc Gross Profit
Year Gross Profit Growth
1987 0
1988 0 0%
1989 0 0%
1990 0 0%
1991 0 0%
1992 0 0%
1993 0 0%
1994 173.000 100%
1995 140.000 -23.57%
1996 118.000 -18.64%
1997 141.000 16.31%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 489.282.000 100%
2007 349.612.000 -39.95%
2008 303.151.000 -15.33%
2009 393.893.000 23.04%
2010 385.975.000 -2.05%
2011 340.678.000 -13.3%
2012 337.711.000 -0.88%
2013 341.035.000 0.97%
2014 344.892.000 1.12%
2015 347.691.000 0.81%
2016 325.106.000 -6.95%
2017 344.026.000 5.5%
2018 349.421.000 1.54%
2019 365.270.000 4.34%
2020 335.003.000 -9.03%
2021 357.231.000 6.22%
2022 333.426.000 -7.14%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

FBD Holdings plc Net Profit
Year Net Profit Growth
1987 0
1988 0 0%
1989 0 0%
1990 0 0%
1991 0 0%
1992 7.208.000 100%
1993 8.933.000 19.31%
1994 9.363.000 4.59%
1995 13.900.000 32.64%
1996 14.686.000 5.35%
1997 16.154.000 9.09%
1998 40.651.000 60.26%
1999 328.000 -12293.6%
2000 34.632.000 99.05%
2001 25.544.000 -35.58%
2002 20.342.000 -25.57%
2003 93.476.000 78.24%
2004 113.257.000 17.47%
2005 161.500.000 29.87%
2006 246.641.000 34.52%
2007 139.874.000 -76.33%
2008 -33.270.000 520.42%
2009 -30.190.000 -10.2%
2010 -2.408.000 -1153.74%
2011 51.096.000 104.71%
2012 48.923.000 -4.44%
2013 44.786.000 -9.24%
2014 -3.419.000 1409.92%
2015 -73.685.000 95.36%
2016 10.759.000 784.87%
2017 42.696.000 74.8%
2018 42.383.000 -0.74%
2019 98.225.000 56.85%
2020 4.390.000 -2137.47%
2021 96.409.000 95.45%
2022 64.454.000 -49.58%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

FBD Holdings plc Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1987 0
1988 0 0%
1989 0 0%
1990 0 0%
1991 0 0%
1992 0 0%
1993 0 0%
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 1 0%
1999 0 0%
2000 1 0%
2001 1 0%
2002 0 0%
2003 2 100%
2004 3 0%
2005 4 50%
2006 7 33.33%
2007 4 -50%
2008 -1 500%
2009 -1 0%
2010 0 0%
2011 2 100%
2012 1 0%
2013 1 0%
2014 0 0%
2015 -2 100%
2016 0 0%
2017 1 100%
2018 1 0%
2019 3 50%
2020 0 0%
2021 3 100%
2022 2 -100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

FBD Holdings plc Free Cashflow
Year Free Cashflow Growth
1992 30.436.000
1993 49.082.000 37.99%
1994 42.633.000 -15.13%
1995 63.732.000 33.11%
1996 45.406.000 -40.36%
1997 43.645.000 -4.03%
1998 36.669.000 -19.02%
1999 65.324.000 43.87%
2000 94.502.000 30.88%
2001 103.895.000 9.04%
2002 118.348.000 12.21%
2003 157.819.000 25.01%
2004 152.172.000 -3.71%
2005 135.384.000 -12.4%
2006 173.471.000 21.96%
2007 109.892.000 -57.86%
2008 20.171.000 -444.8%
2009 -5.157.000 491.14%
2010 31.715.000 116.26%
2011 27.337.000 -16.01%
2012 29.397.000 7.01%
2013 21.306.000 -37.98%
2014 31.762.000 32.92%
2015 -1.061.000 3093.59%
2016 1.582.000 167.07%
2017 91.912.000 98.28%
2018 19.678.000 -367.08%
2019 8.591.000 -129.05%
2020 73.671.000 88.34%
2021 47.532.000 -54.99%
2022 86.199.000 44.86%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

FBD Holdings plc Operating Cashflow
Year Operating Cashflow Growth
1992 30.901.000
1993 50.652.000 38.99%
1994 42.885.000 -18.11%
1995 64.005.000 33%
1996 47.665.000 -34.28%
1997 47.567.000 -0.21%
1998 38.890.000 -22.31%
1999 68.526.000 43.25%
2000 91.502.000 25.11%
2001 103.895.000 11.93%
2002 167.139.000 37.84%
2003 160.355.000 -4.23%
2004 157.394.000 -1.88%
2005 141.626.000 -11.13%
2006 180.509.000 21.54%
2007 121.263.000 -48.86%
2008 26.315.000 -360.81%
2009 3.317.000 -693.34%
2010 38.130.000 91.3%
2011 32.746.000 -16.44%
2012 39.584.000 17.27%
2013 39.880.000 0.74%
2014 55.856.000 28.6%
2015 17.148.000 -225.73%
2016 13.695.000 -25.21%
2017 99.781.000 86.27%
2018 33.080.000 -201.64%
2019 11.307.750 -192.54%
2020 79.103.000 85.71%
2021 54.203.000 -45.94%
2022 94.474.000 42.63%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

FBD Holdings plc Capital Expenditure
Year Capital Expenditure Growth
1992 465.000
1993 1.570.000 70.38%
1994 252.000 -523.02%
1995 273.000 7.69%
1996 2.259.000 87.92%
1997 3.922.000 42.4%
1998 2.221.000 -76.59%
1999 3.202.000 30.64%
2000 -3.000.000 206.73%
2001 0 0%
2002 48.791.000 100%
2003 2.536.000 -1823.94%
2004 5.222.000 51.44%
2005 6.242.000 16.34%
2006 7.038.000 11.31%
2007 11.371.000 38.11%
2008 6.144.000 -85.07%
2009 8.474.000 27.5%
2010 6.415.000 -32.1%
2011 5.409.000 -18.6%
2012 10.187.000 46.9%
2013 18.574.000 45.15%
2014 24.094.000 22.91%
2015 18.209.000 -32.32%
2016 12.113.000 -50.33%
2017 7.869.000 -53.93%
2018 13.402.000 41.28%
2019 2.716.750 -393.31%
2020 5.432.000 49.99%
2021 6.671.000 18.57%
2022 8.275.000 19.38%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

FBD Holdings plc Equity
Year Equity Growth
1987 10.930.000
1988 17.635.000 38.02%
1989 30.489.000 42.16%
1990 33.095.000 7.87%
1991 36.681.000 9.78%
1992 37.225.000 1.46%
1993 48.309.000 22.94%
1994 48.868.000 1.14%
1995 76.282.000 35.94%
1996 89.039.000 14.33%
1997 107.926.000 17.5%
1998 141.258.000 23.6%
1999 136.932.000 -3.16%
2000 164.794.000 16.91%
2001 202.023.000 18.43%
2002 208.928.000 3.3%
2003 289.965.000 27.95%
2004 406.453.000 28.66%
2005 476.127.000 14.63%
2006 500.442.000 4.86%
2007 386.512.000 -29.48%
2008 238.333.000 -62.17%
2009 194.431.000 -22.58%
2010 185.046.000 -5.07%
2011 212.855.000 13.06%
2012 244.182.000 12.83%
2013 280.137.000 12.83%
2014 241.505.000 -16%
2015 218.787.000 -10.38%
2016 228.471.000 4.24%
2017 274.549.000 16.78%
2018 286.407.000 4.14%
2019 375.151.000 23.66%
2020 386.904.000 3.04%
2021 475.305.000 18.6%
2022 425.711.000 -11.65%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

FBD Holdings plc Assets
Year Assets Growth
1987 85.758.000
1988 112.780.000 23.96%
1989 142.884.000 21.07%
1990 166.394.000 14.13%
1991 212.618.000 21.74%
1992 244.910.000 13.19%
1993 291.916.000 16.1%
1994 380.156.000 23.21%
1995 571.545.000 33.49%
1996 607.185.000 5.87%
1997 613.755.000 1.07%
1998 677.153.000 9.36%
1999 671.231.000 -0.88%
2000 751.489.000 10.68%
2001 877.941.000 14.4%
2002 1.087.808.000 19.29%
2003 1.250.201.000 12.99%
2004 1.466.839.000 14.77%
2005 1.564.412.000 6.24%
2006 1.686.597.000 7.24%
2007 1.387.065.000 -21.59%
2008 1.277.800.000 -8.55%
2009 1.255.820.000 -1.75%
2010 1.225.551.000 -2.47%
2011 1.056.538.000 -16%
2012 1.067.105.000 0.99%
2013 1.091.800.000 2.26%
2014 1.152.228.000 5.24%
2015 1.263.984.000 8.84%
2016 1.269.483.000 0.43%
2017 1.319.253.000 3.77%
2018 1.304.627.000 -1.12%
2019 1.349.950.000 3.36%
2020 1.483.465.000 9%
2021 1.580.008.000 6.11%
2022 1.472.991.000 -7.27%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

FBD Holdings plc Liabilities
Year Liabilities Growth
1987 74.328.000
1988 92.930.000 20.02%
1989 109.491.000 15.13%
1990 130.346.000 16%
1991 172.849.000 24.59%
1992 204.581.000 15.51%
1993 240.441.000 14.91%
1994 328.221.000 26.74%
1995 491.794.000 33.26%
1996 514.686.000 4.45%
1997 498.965.000 -3.15%
1998 528.911.000 5.66%
1999 527.522.000 -0.26%
2000 580.058.000 9.06%
2001 668.098.000 13.18%
2002 861.449.000 22.44%
2003 942.236.000 8.57%
2004 1.041.130.000 9.5%
2005 1.078.939.000 3.5%
2006 1.179.679.000 8.54%
2007 994.864.000 -18.58%
2008 1.035.316.000 3.91%
2009 1.058.359.000 2.18%
2010 1.038.452.000 -1.92%
2011 843.225.000 -23.15%
2012 822.446.000 -2.53%
2013 811.200.000 -1.39%
2014 910.240.000 10.88%
2015 1.044.746.000 12.87%
2016 1.041.012.000 -0.36%
2017 1.044.704.000 0.35%
2018 1.018.220.000 -2.6%
2019 974.799.000 -4.45%
2020 1.096.561.000 11.1%
2021 1.104.703.000 0.74%
2022 1.047.280.000 -5.48%

FBD Holdings plc Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
9.39
Net Income per Share
1.82
Price to Earning Ratio
6.31x
Price To Sales Ratio
1.23x
POCF Ratio
4.3
PFCF Ratio
4.76
Price to Book Ratio
0.96
EV to Sales
0.91
EV Over EBITDA
3.35
EV to Operating CashFlow
3.2
EV to FreeCashFlow
3.51
Earnings Yield
0.16
FreeCashFlow Yield
0.21
Market Cap
0,41 Bil.
Enterprise Value
0,30 Bil.
Graham Number
22.13
Graham NetNet
-1.4

Income Statement Metrics

Net Income per Share
1.82
Income Quality
1.28
ROE
0.14
Return On Assets
0.11
Return On Capital Employed
0.16
Net Income per EBT
0.86
EBT Per Ebit
1.77
Ebit per Revenue
0.13
Effective Tax Rate
0.14

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.13
Pretax Profit Margin
0.22
Net Profit Margin
0.19

Dividends

Dividend Yield
0.17
Dividend Yield %
17.47
Payout Ratio
0.56
Dividend Per Share
2

Operating Metrics

Operating Cashflow per Share
2.66
Free CashFlow per Share
2.43
Capex to Operating CashFlow
-0.09
Capex to Revenue
-0.02
Capex to Depreciation
-0.59
Return on Invested Capital
0.14
Return on Tangible Assets
0.04
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.23

Balance Sheet

Cash per Share
28,09
Book Value per Share
11,99
Tangible Book Value per Share
11.59
Shareholders Equity per Share
11.99
Interest Debt per Share
1.6
Debt to Equity
0.13
Debt to Assets
0.04
Net Debt to EBITDA
-1.2
Current Ratio
22.34
Tangible Asset Value
0,41 Bil.
Net Current Asset Value
-0,05 Bil.
Invested Capital
0.13
Working Capital
0,95 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,04 Bil.
Average Inventory
0
Debt to Market Cap
0.13

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

FBD Holdings plc Dividends
Year Dividends Growth
2003 0
2004 0 0%
2005 0 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 1 0%
2015 0 0%
2018 0 0%
2019 1 0%
2020 1 100%
2022 1 0%
2023 1 0%

FBD Holdings plc Profile

About FBD Holdings plc

FBD Holdings plc, through its subsidiaries, engages in the underwriting of general insurance to farmers, private individuals, and business owners in Ireland. The company operates in two segments, Underwriting and Financial Services. It offers car, home, travel, life and pension, business, and farm insurance products, as well as insurance related to motor, fire, liability, and other damage to property. The company also provides investment, pension and life brokerage, and employee services. It serves customers through a network of 34 branches. FBD Holdings plc was founded in 1969 and is headquartered in Dublin, Ireland.

CEO
Mr. Tomas O'Midheach B.Com.,
Employee
950
Address
FBD House
Dublin, 12

FBD Holdings plc Executives & BODs

FBD Holdings plc Executives & BODs
# Name Age
1 Ms. Kate Tobin
Chief Financial Officer & Executive Director
70
2 Mr. Jackie McMahon
Chief Claims Officer
70
3 Mr. Enda Kyne
Chief Technology & Operations Officer
70
4 Ms. Carolyn O'Hara
Chief Human Resources Officer
70
5 Mr. Derek Hall
Chief Risk Officer
70
6 Ms. Nadine Conlon
Company Secretary
70
7 Mr. Tomas O'Midheach B.Com., BComm, FCCA, MBBS, MBS
Chief Executive Officer & Executive Director
70
8 Ms. Maureen O'Meara
Head of Sales for Munster
70
9 Mr. Kevin Coughlan
Chief Strategy Implementation Officer
70

FBD Holdings plc Competitors