AIB Group plc (AIBGY)
ValueMarkers Composite Index
84% below intrinsic value ($163)
AIB Group plc (AIBGY) — VMCI valuation read
AIBGY prints VMCI 65/100 inside the Financial Services sector, where the median sits at 50. The 15-point above-median delta is the cleanest single-number summary of AIB Group plc's composite stance, and in the mid-cap bucket it places the share ahead of the typical peer on the five-pillar mix.
On AIBGY, the SEC EDGAR Form 4 stream shows no insider buys or sells in the past 30 days. Quiet tapes happen; they just remove a signal that bull and bear cases sometimes lean on for confirmation.
**Investor frame.** AIBGY trades at 20.0x earnings, 11% above the Financial Services median of 18.0x; that is the value line. ROIC of 10.0% sits 0.0pp above the Financial Services median (10.0%); that is the quality line. net debt to EBITDA of -0.8x leaves covenant headroom; that is the risk line for AIB Group plc on the trailing financials.
AIBGY rose 2.4% over the trailing 7 days, with a +1.1% read on a 30-day basis.
AIB Group plc provides banking and financial products and services to retail, business, and corporate customers. It operates through Retail Banking, Corporate Institutional & Business Banking, AIB UK, and Group segments. The company offers current and savings accounts, demand deposits, notice deposits, fixed term deposits, junior/student saver deposits, and currency deposits. AIB Group plc also provides personal, car, home improvement, education, business, farm development, startup, farm investment, future growth, and brexit loans; graduate, corporate, asset, energy efficiency, forestry, invoice, prompt pay and insurance premium, debt, real estate, and trade finance; business and farmer credit line, government credit guarantees, and overdrafts; and venture capital funds, as well as mortgages. In addition, the company offers credit and debit cards; investment funds; life, home, car, travel, and business succession insurance products; and pension products. Further, it provides payment, merchant, cash management, FX rates, foreign currency and interest rate risk management, exporting, international cash flow management, foreign exchange, and interest rate fluctuation management services; and trade finance products, such as documentary collections, import and export letter of credit, standby letter of credit, and bank guarantees. AIB Group plc operates through a network of 296 locations in the Republic of Ireland and 29 locations in the United Kingdom. The company was formerly known as Allied Irish Banks, p.l.c. and changed its name to AIB Group plc in December 2017. AIB Group plc was founded in 1825 and is headquartered in Dublin, Ireland.
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