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Bank of Ireland Group PLC
Buy, Hold or Sell?

Let's analyse Bank of Ireland Group PLC together

PenkeI guess you are interested in Bank of Ireland Group PLC. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Bank of Ireland Group PLC. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Bank of Ireland Group PLC (30 sec.)










What can you expect buying and holding a share of Bank of Ireland Group PLC? (30 sec.)

How much money do you get?

How much money do you get?
$0.32
When do you have the money?
1 year
How often do you get paid?
95.0%

What is your share worth?

Current worth
$12.87
Expected worth in 1 year
$13.67
How sure are you?
50.0%

+ What do you gain per year?

Total Gains per Share
$1.11
Return On Investment
9.7%

For what price can you sell your share?

Current Price per Share
$11.42
Expected price per share
$9.35 - $
How sure are you?
50%

1. Valuation of Bank of Ireland Group PLC (5 min.)




Live pricePrice per Share (EOD)

$11.42

Intrinsic Value Per Share

$-39.53 - $181.13

Total Value Per Share

$-26.66 - $194.00

2. Growth of Bank of Ireland Group PLC (5 min.)




Is Bank of Ireland Group PLC growing?

Current yearPrevious yearGrowGrow %
How rich?$13.5b$81.5b$3.4b4.1%

How much money is Bank of Ireland Group PLC making?

Current yearPrevious yearGrowGrow %
Making money$613.6m$327.3m$286.2m46.7%
Net Profit Margin26.7%20.0%--

How much money comes from the company's main activities?

3. Financial Health of Bank of Ireland Group PLC (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Bank of Ireland Group PLC? (5 min.)

Welcome investor! Bank of Ireland Group PLC's management wants to use your money to grow the business. In return you get a share of Bank of Ireland Group PLC.

What can you expect buying and holding a share of Bank of Ireland Group PLC?

First you should know what it really means to hold a share of Bank of Ireland Group PLC. And how you can make/lose money.

Speculation

The Price per Share of Bank of Ireland Group PLC is $11.42. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Bank of Ireland Group PLC.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Bank of Ireland Group PLC, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $12.87. Based on the TTM, the Book Value Change Per Share is $0.20 per quarter. Based on the YOY, the Book Value Change Per Share is $0.17 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.08 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Bank of Ireland Group PLC.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.736.4%0.585.1%0.211.8%0.191.7%0.181.6%
Usd Book Value Change Per Share-0.01-0.1%0.201.7%0.171.5%0.141.2%0.121.0%
Usd Dividend Per Share0.030.3%0.080.7%0.030.3%0.070.6%0.060.5%
Usd Total Gains Per Share0.020.2%0.282.4%0.201.7%0.201.8%0.181.6%
Usd Price Per Share9.13-9.64-6.97-5.95-4.26-
Price to Earnings Ratio3.13-4.80-9.72-10.81-7.11-
Price-to-Total Gains Ratio371.04-91.97-5.19-63.25-33.40-
Price to Book Ratio0.71-0.40-0.34-0.29-0.23-
Price-to-Total Gains Ratio371.04-91.97-5.19-63.25-33.40-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share11.42
Number of shares87
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.080.07
Usd Book Value Change Per Share0.200.14
Usd Total Gains Per Share0.280.20
Gains per Quarter (87 shares)24.1617.77
Gains per Year (87 shares)96.6671.07
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1276987234861
2551381844696132
38220828169144203
411027737893192274
5137346475116240345
6165415572139288416
7192485669162336487
8219554766185384558
9247623863208431629
10274692960231479700

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%18.02.00.090.0%38.02.00.095.0%38.06.00.086.4%
Book Value Change Per Share1.03.00.025.0%4.07.01.033.3%7.012.01.035.0%12.022.06.030.0%14.024.06.031.8%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%18.00.02.090.0%38.00.02.095.0%42.00.02.095.5%
Total Gains per Share2.02.00.050.0%6.06.00.050.0%10.010.00.050.0%20.020.00.050.0%23.021.00.052.3%

Fundamentals of Bank of Ireland Group PLC

About Bank of Ireland Group PLC

Bank of Ireland Group plc provides various banking and financial products and services. It provides current and savings accounts, and business deposits and accounts; personal, car, home improvement, graduate, motor finance, and student loans, as well as overdrafts; and business and farming loans, green business, insurance premium finance, invoice finance, hire purchase, and leasing services. The company also offers international payments and credit cards; protection overview, mortgage protection, life cover, specified illness cover, income protection, protection for individuals, and protection for families; pensions; investments; foreign exchange, treasury services, leveraged acquisition and property finance services; personal products; and premier and private banking services. In addition, it provides home, car, travel, and life insurance products. The company was founded in 1783 and is headquartered in Dublin, Ireland.

Fundamental data was last updated by Penke on 2024-05-14 15:38:04.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Bank of Ireland Group PLC.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Bank of Ireland Group PLC earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Bank of Ireland Group PLC to the Banks - Regional industry mean.
  • A Net Profit Margin of 15.0% means that $0.15 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Bank of Ireland Group PLC:

  • The MRQ is 15.0%. The company is making a huge profit. +2
  • The TTM is 26.7%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ15.0%TTM26.7%-11.7%
TTM26.7%YOY20.0%+6.7%
TTM26.7%5Y2.0%+24.7%
5Y2.0%10Y13.2%-11.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ15.0%38.5%-23.5%
TTM26.7%29.6%-2.9%
YOY20.0%26.3%-6.3%
5Y2.0%23.6%-21.6%
10Y13.2%20.4%-7.2%
1.1.2. Return on Assets

Shows how efficient Bank of Ireland Group PLC is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Bank of Ireland Group PLC to the Banks - Regional industry mean.
  • 0.5% Return on Assets means that Bank of Ireland Group PLC generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Bank of Ireland Group PLC:

  • The MRQ is 0.5%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.4%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.5%TTM0.4%+0.1%
TTM0.4%YOY0.2%+0.2%
TTM0.4%5Y0.1%+0.2%
5Y0.1%10Y0.1%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.5%0.3%+0.2%
TTM0.4%0.2%+0.2%
YOY0.2%0.2%0.0%
5Y0.1%0.2%-0.1%
10Y0.1%0.2%-0.1%
1.1.3. Return on Equity

Shows how efficient Bank of Ireland Group PLC is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Bank of Ireland Group PLC to the Banks - Regional industry mean.
  • 5.7% Return on Equity means Bank of Ireland Group PLC generated $0.06 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Bank of Ireland Group PLC:

  • The MRQ is 5.7%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 4.6%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ5.7%TTM4.6%+1.0%
TTM4.6%YOY2.6%+2.1%
TTM4.6%5Y1.9%+2.8%
5Y1.9%10Y1.9%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ5.7%3.1%+2.6%
TTM4.6%2.5%+2.1%
YOY2.6%2.7%-0.1%
5Y1.9%2.5%-0.6%
10Y1.9%2.8%-0.9%

1.2. Operating Efficiency of Bank of Ireland Group PLC.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Bank of Ireland Group PLC is operating .

  • Measures how much profit Bank of Ireland Group PLC makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Bank of Ireland Group PLC to the Banks - Regional industry mean.
  • An Operating Margin of -5.0% means the company generated $-0.05  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Bank of Ireland Group PLC:

  • The MRQ is -5.0%. The company is operating very inefficient. -2
  • The TTM is 19.9%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ-5.0%TTM19.9%-24.9%
TTM19.9%YOY12.3%+7.5%
TTM19.9%5Y-0.1%+19.9%
5Y-0.1%10Y15.6%-15.7%
1.2.2. Operating Ratio

Measures how efficient Bank of Ireland Group PLC is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.31 means that the operating costs are $0.31 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Bank of Ireland Group PLC:

  • The MRQ is 0.312. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.419. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.312TTM0.419-0.107
TTM0.419YOY0.580-0.160
TTM0.4195Y0.739-0.320
5Y0.73910Y0.697+0.042

1.3. Liquidity of Bank of Ireland Group PLC.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Bank of Ireland Group PLC is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 105.41 means the company has $105.41 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Bank of Ireland Group PLC:

  • The MRQ is 105.407. The company is very able to pay all its short-term debts. +2
  • The TTM is 36.517. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ105.407TTM36.517+68.891
TTM36.517YOY88.098-51.581
TTM36.5175Y55.871-19.355
5Y55.87110Y34.666+21.205
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM36.5170.124+36.393
YOY88.0980.167+87.931
5Y55.8710.207+55.664
10Y34.6660.131+34.535
1.3.2. Quick Ratio

Measures if Bank of Ireland Group PLC is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Bank of Ireland Group PLC to the Banks - Regional industry mean.
  • A Quick Ratio of 105.41 means the company can pay off $105.41 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Bank of Ireland Group PLC:

  • The MRQ is 105.407. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 36.517. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ105.407TTM36.517+68.891
TTM36.517YOY88.525-52.008
TTM36.5175Y57.174-20.657
5Y57.17410Y36.113+21.061

1.4. Solvency of Bank of Ireland Group PLC.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Bank of Ireland Group PLC assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Bank of Ireland Group PLC to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.92 means that Bank of Ireland Group PLC assets are financed with 91.9% credit (debt) and the remaining percentage (100% - 91.9%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Bank of Ireland Group PLC:

  • The MRQ is 0.919. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.497. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.919TTM0.497+0.422
TTM0.497YOY0.516-0.019
TTM0.4975Y0.507-0.010
5Y0.50710Y0.553-0.046
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9190.915+0.004
TTM0.4970.916-0.419
YOY0.5160.918-0.402
5Y0.5070.919-0.412
10Y0.5530.926-0.373
1.4.2. Debt to Equity Ratio

Measures if Bank of Ireland Group PLC is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Bank of Ireland Group PLC to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,139.9% means that company has $11.40 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Bank of Ireland Group PLC:

  • The MRQ is 11.399. The company is unable to pay all its debts with equity. -1
  • The TTM is 6.182. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ11.399TTM6.182+5.216
TTM6.182YOY6.691-0.509
TTM6.1825Y6.776-0.593
5Y6.77610Y7.540-0.764
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ11.39910.799+0.600
TTM6.18210.909-4.727
YOY6.69111.266-4.575
5Y6.77611.324-4.548
10Y7.54012.886-5.346

2. Market Valuation of Bank of Ireland Group PLC

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Bank of Ireland Group PLC generates.

  • Above 15 is considered overpriced but always compare Bank of Ireland Group PLC to the Banks - Regional industry mean.
  • A PE ratio of 3.13 means the investor is paying $3.13 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Bank of Ireland Group PLC:

  • The EOD is 3.919. Based on the earnings, the company is cheap. +2
  • The MRQ is 3.133. Based on the earnings, the company is cheap. +2
  • The TTM is 4.795. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD3.919MRQ3.133+0.786
MRQ3.133TTM4.795-1.662
TTM4.795YOY9.724-4.928
TTM4.7955Y10.806-6.011
5Y10.80610Y7.114+3.692
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD3.9193.756+0.163
MRQ3.1333.418-0.285
TTM4.7954.741+0.054
YOY9.7246.901+2.823
5Y10.8069.496+1.310
10Y7.1149.770-2.656
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Bank of Ireland Group PLC:

  • The EOD is 1.442. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 1.152. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 1.092. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.442MRQ1.152+0.289
MRQ1.152TTM1.092+0.060
TTM1.092YOY1.052+0.040
TTM1.0925Y0.457+0.635
5Y0.45710Y-0.740+1.198
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.442-2.594+4.036
MRQ1.152-2.360+3.512
TTM1.092-1.072+2.164
YOY1.0526.461-5.409
5Y0.4570.248+0.209
10Y-0.7400.032-0.772
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Bank of Ireland Group PLC is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.71 means the investor is paying $0.71 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Bank of Ireland Group PLC:

  • The EOD is 0.887. Based on the equity, the company is cheap. +2
  • The MRQ is 0.709. Based on the equity, the company is cheap. +2
  • The TTM is 0.401. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.887MRQ0.709+0.178
MRQ0.709TTM0.401+0.308
TTM0.401YOY0.343+0.058
TTM0.4015Y0.286+0.115
5Y0.28610Y0.230+0.056
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.8870.462+0.425
MRQ0.7090.420+0.289
TTM0.4010.439-0.038
YOY0.3430.594-0.251
5Y0.2860.763-0.477
10Y0.2300.991-0.761
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Bank of Ireland Group PLC compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---0.0100.199-105%0.166-106%0.138-107%0.116-109%
Book Value Per Share--12.87079.725-84%75.987-83%71.669-82%61.247-79%
Current Ratio--105.40736.517+189%88.098+20%55.871+89%34.666+204%
Debt To Asset Ratio--0.9190.497+85%0.516+78%0.507+81%0.553+66%
Debt To Equity Ratio--11.3996.182+84%6.691+70%6.776+68%7.540+51%
Dividend Per Share--0.0350.079-56%0.031+12%0.066-48%0.061-43%
Eps--0.7280.578+26%0.207+252%0.189+285%0.185+294%
Free Cash Flow Per Share--1.9810.406+388%0.201+887%0.626+216%0.502+295%
Free Cash Flow To Equity Per Share--0.1470.495-70%-0.921+728%2.126-93%1.106-87%
Gross Profit Margin--0.6500.503+29%0.054+1106%1.739-63%0.658-1%
Intrinsic Value_10Y_max--181.134--------
Intrinsic Value_10Y_min---39.530--------
Intrinsic Value_1Y_max--5.461--------
Intrinsic Value_1Y_min--0.999--------
Intrinsic Value_3Y_max--26.079--------
Intrinsic Value_3Y_min---1.277--------
Intrinsic Value_5Y_max--58.357--------
Intrinsic Value_5Y_min---8.224--------
Market Cap11824153982.720+18%9639806134.97010229595283.743-6%7463696946.604+29%6357753013.437+52%4558023513.363+111%
Net Profit Margin--0.1500.267-44%0.200-25%0.020+637%0.132+14%
Operating Margin---0.0500.199-125%0.123-141%-0.001-99%0.156-132%
Operating Ratio--0.3120.419-26%0.580-46%0.739-58%0.697-55%
Pb Ratio0.887+20%0.7090.401+77%0.343+107%0.286+148%0.230+208%
Pe Ratio3.919+20%3.1334.795-35%9.724-68%10.806-71%7.114-56%
Price Per Share11.420+20%9.1309.639-5%6.970+31%5.945+54%4.255+115%
Price To Free Cash Flow Ratio1.442+20%1.1521.092+6%1.052+10%0.457+152%-0.740+164%
Price To Total Gains Ratio464.107+20%371.04291.968+303%5.195+7043%63.249+487%33.404+1011%
Quick Ratio--105.40736.517+189%88.525+19%57.174+84%36.113+192%
Return On Assets--0.0050.004+26%0.002+130%0.001+224%0.001+229%
Return On Equity--0.0570.046+23%0.026+121%0.019+205%0.019+204%
Total Gains Per Share--0.0250.278-91%0.197-88%0.204-88%0.177-86%
Usd Book Value--13588489800.00084992428350.000-84%81510384600.000-83%76839767190.000-82%65791587195.000-79%
Usd Book Value Change Per Share---0.0100.199-105%0.166-106%0.138-107%0.116-109%
Usd Book Value Per Share--12.87079.725-84%75.987-83%71.669-82%61.247-79%
Usd Dividend Per Share--0.0350.079-56%0.031+12%0.066-48%0.061-43%
Usd Eps--0.7280.578+26%0.207+252%0.189+285%0.185+294%
Usd Free Cash Flow--2091119400.000425147400.000+392%218929275.000+855%671419170.000+211%538925715.000+288%
Usd Free Cash Flow Per Share--1.9810.406+388%0.201+887%0.626+216%0.502+295%
Usd Free Cash Flow To Equity Per Share--0.1470.495-70%-0.921+728%2.126-93%1.106-87%
Usd Market Cap11824153982.720+18%9639806134.97010229595283.743-6%7463696946.604+29%6357753013.437+52%4558023513.363+111%
Usd Price Per Share11.420+20%9.1309.639-5%6.970+31%5.945+54%4.255+115%
Usd Profit--769159800.000613651050.000+25%327379725.000+135%239429385.000+221%212884717.500+261%
Usd Revenue--5128813800.0002981846475.000+72%2027698875.000+153%2215364130.000+132%1488746115.000+245%
Usd Total Gains Per Share--0.0250.278-91%0.197-88%0.204-88%0.177-86%
 EOD+4 -4MRQTTM+16 -20YOY+22 -145Y+18 -1810Y+18 -18

3.2. Fundamental Score

Let's check the fundamental score of Bank of Ireland Group PLC based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-153.919
Price to Book Ratio (EOD)Between0-10.887
Net Profit Margin (MRQ)Greater than00.150
Operating Margin (MRQ)Greater than0-0.050
Quick Ratio (MRQ)Greater than1105.407
Current Ratio (MRQ)Greater than1105.407
Debt to Asset Ratio (MRQ)Less than10.919
Debt to Equity Ratio (MRQ)Less than111.399
Return on Equity (MRQ)Greater than0.150.057
Return on Assets (MRQ)Greater than0.050.005
Total6/10 (60.0%)

3.3. Technical Score

Let's check the technical score of Bank of Ireland Group PLC based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5059.383
Ma 20Greater thanMa 5010.952
Ma 50Greater thanMa 10010.462
Ma 100Greater thanMa 2009.783
OpenGreater thanClose11.420
Total4/5 (80.0%)



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in EUR. All numbers in thousands.

Summary
Total Assets155,708,000
Total Liabilities143,147,000
Total Stockholder Equity12,558,000
 As reported
Total Liabilities 143,147,000
Total Stockholder Equity+ 12,558,000
Total Assets = 155,708,000

Assets

Total Assets155,708,000
Total Current Assets34,152,000
Long-term Assets18,520,000
Total Current Assets
Cash And Cash Equivalents 33,025,000
Net Receivables 1,127,000
Inventory -35,167,000
Other Current Assets 35,167,000
Total Current Assets  (as reported)34,152,000
Total Current Assets  (calculated)34,152,000
+/-0
Long-term Assets
Property Plant Equipment 800,000
Goodwill 300,000
Long Term Investments 16,312,000
Intangible Assets 1,108,000
Long-term Assets Other -808,000
Long-term Assets  (as reported)18,520,000
Long-term Assets  (calculated)17,712,000
+/- 808,000

Liabilities & Shareholders' Equity

Total Current Liabilities324,000
Long-term Liabilities13,149,000
Total Stockholder Equity12,558,000
Total Current Liabilities
Short-term Debt 1,925,000
Accounts payable 324,000
Other Current Liabilities -324,000
Total Current Liabilities  (as reported)324,000
Total Current Liabilities  (calculated)1,925,000
+/- 1,601,000
Long-term Liabilities
Long-term Liabilities  (as reported)13,149,000
Long-term Liabilities  (calculated)0
+/- 13,149,000
Total Stockholder Equity
Common Stock1,057,000
Retained Earnings 10,285,000
Other Stockholders Equity 1,216,000
Total Stockholder Equity (as reported)12,558,000
Total Stockholder Equity (calculated)12,558,000
+/-0
Other
Capital Stock1,057,000
Cash and Short Term Investments 33,025,000
Common Stock Shares Outstanding 1,055,839
Current Deferred Revenue-1,601,000
Liabilities and Stockholders Equity 155,708,000
Net Debt -19,876,000
Net Invested Capital 25,303,000
Property Plant and Equipment Gross 1,401,000
Short Long Term Debt Total 13,149,000



Balance Sheet

Currency in EUR. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-06-302011-12-312011-06-302010-12-312010-06-302009-09-302009-03-312008-09-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-09-302003-06-302003-03-312002-12-312002-09-302002-06-302002-03-312001-12-312001-09-302001-06-302001-03-312000-12-312000-09-302000-06-302000-03-311999-12-311999-09-301999-06-301999-03-311998-12-311998-09-301998-06-30
> Total Assets 
0
53,850,979
0
54,314,316
0
59,774,306
0
68,017,000
0
75,543,701
0
78,875,000
0
91,102,514
0
87,244,134
0
89,548,511
0
89,259,756
0
92,314,954
0
106,297,429
0
116,318,204
0
126,415,777
0
146,102,422
0
162,354,000
0
177,660,553
0
188,813,000
0
199,976,633
0
197,434,000
204,279,000
194,116,000
184,295,000
180,449,000
167,473,000
155,438,000
154,880,000
157,829,000
148,146,000
134,237,000
134,237,000
132,133,000
132,137,000
130,950,000
130,950,000
129,800,000
129,800,000
131,451,000
131,451,000
130,960,000
130,960,000
126,267,000
126,267,000
122,667,000
123,129,000
122,019,000
122,019,000
122,554,000
122,554,000
121,827,000
121,856,000
123,669,000
123,669,000
125,982,000
125,982,000
131,918,000
131,883,000
131,615,000
131,615,000
133,754,000
133,754,000
149,932,000
149,932,000
155,268,000
155,268,000
156,153,000
156,153,000
150,689,000
151,324,000
156,216,000
156,216,000
155,708,000
155,708,000
155,708,000155,708,000156,216,000156,216,000151,324,000150,689,000156,153,000156,153,000155,268,000155,268,000149,932,000149,932,000133,754,000133,754,000131,615,000131,615,000131,883,000131,918,000125,982,000125,982,000123,669,000123,669,000121,856,000121,827,000122,554,000122,554,000122,019,000122,019,000123,129,000122,667,000126,267,000126,267,000130,960,000130,960,000131,451,000131,451,000129,800,000129,800,000130,950,000130,950,000132,137,000132,133,000134,237,000134,237,000148,146,000157,829,000154,880,000155,438,000167,473,000180,449,000184,295,000194,116,000204,279,000197,434,0000199,976,6330188,813,0000177,660,5530162,354,0000146,102,4220126,415,7770116,318,2040106,297,429092,314,954089,259,756089,548,511087,244,134091,102,514078,875,000075,543,701068,017,000059,774,306054,314,316053,850,9790
   > Total Current Assets 
0
518,034
0
2,327,430
0
1,558,831
0
4,551,000
0
2,455,508
0
2,949,000
0
738,752
0
567,914
0
348,355
0
1,184,334
0
887,875
0
1,978,827
0
2,636,102
0
2,159,233
0
1,450,427
0
6,772,000
0
1,677,567
0
6,523,000
0
1,208,828
0
8,865,000
1,652,000
3,739,000
4,111,000
1,977,000
5,938,000
531,000
11,221,000
12,077,000
11,540,000
4,677,000
7,336,000
5,901,000
8,999,000
4,723,000
6,748,000
4,793,000
8,022,000
5,261,000
7,041,000
6,166,000
9,268,000
5,990,000
7,593,000
4,864,000
7,557,000
4,943,000
5,233,000
6,711,000
9,762,000
5,246,000
6,910,000
5,890,000
8,536,000
3,281,000
3,521,000
8,061,000
10,855,000
9,385,000
9,554,000
10,852,000
13,281,000
27,699,000
25,239,000
30,904,000
33,728,000
41,253,000
38,731,000
36,150,000
39,033,000
34,050,000
31,626,000
31,487,000
34,152,000
34,152,00031,487,00031,626,00034,050,00039,033,00036,150,00038,731,00041,253,00033,728,00030,904,00025,239,00027,699,00013,281,00010,852,0009,554,0009,385,00010,855,0008,061,0003,521,0003,281,0008,536,0005,890,0006,910,0005,246,0009,762,0006,711,0005,233,0004,943,0007,557,0004,864,0007,593,0005,990,0009,268,0006,166,0007,041,0005,261,0008,022,0004,793,0006,748,0004,723,0008,999,0005,901,0007,336,0004,677,00011,540,00012,077,00011,221,000531,0005,938,0001,977,0004,111,0003,739,0001,652,0008,865,00001,208,82806,523,00001,677,56706,772,00001,450,42702,159,23302,636,10201,978,8270887,87501,184,3340348,3550567,9140738,75202,949,00002,455,50804,551,00001,558,83102,327,4300518,0340
       Cash And Cash Equivalents 
0
518,034
0
2,327,430
0
1,558,831
0
4,551,000
0
2,455,508
0
2,949,000
0
738,752
0
567,914
0
348,355
0
1,184,334
0
887,875
0
1,978,827
0
2,636,102
0
2,159,233
0
1,450,427
0
3,838,000
0
1,677,567
0
4,214,000
0
1,208,828
0
7,143,000
1,652,000
3,739,000
4,111,000
1,977,000
4,823,000
531,000
10,178,000
12,077,000
10,594,000
4,677,000
7,336,000
5,901,000
8,059,000
4,723,000
6,748,000
4,793,000
7,186,000
5,261,000
7,041,000
6,166,000
8,495,000
5,990,000
7,593,000
4,864,000
6,837,000
4,943,000
5,233,000
6,711,000
9,074,000
5,246,000
6,910,000
5,890,000
7,769,000
3,281,000
3,521,000
8,061,000
10,097,000
9,385,000
9,554,000
10,852,000
12,429,000
27,699,000
25,239,000
30,904,000
32,818,000
41,253,000
38,731,000
36,150,000
38,105,000
34,050,000
31,626,000
31,487,000
33,025,000
33,025,00031,487,00031,626,00034,050,00038,105,00036,150,00038,731,00041,253,00032,818,00030,904,00025,239,00027,699,00012,429,00010,852,0009,554,0009,385,00010,097,0008,061,0003,521,0003,281,0007,769,0005,890,0006,910,0005,246,0009,074,0006,711,0005,233,0004,943,0006,837,0004,864,0007,593,0005,990,0008,495,0006,166,0007,041,0005,261,0007,186,0004,793,0006,748,0004,723,0008,059,0005,901,0007,336,0004,677,00010,594,00012,077,00010,178,000531,0004,823,0001,977,0004,111,0003,739,0001,652,0007,143,00001,208,82804,214,00001,677,56703,838,00001,450,42702,159,23302,636,10201,978,8270887,87501,184,3340348,3550567,9140738,75202,949,00002,455,50804,551,00001,558,83102,327,4300518,0340
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,246,000
1,246,000
0
0
1,493,606
1,528,762
1,152,663
1,090,549
498,958
494,379
0
0
1,594,407
2,115,915
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000002,115,9151,594,40700494,379498,9581,090,5491,152,6631,528,7621,493,606001,246,0001,246,000000000000000000000000000000000000000000000000000000000000000000
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4,447,000
0
0
0
2,934,000
0
0
0
2,309,000
0
0
0
1,722,000
0
1,505,000
0
0
1,115,000
0
1,043,000
0
946,000
0
0
0
940,000
0
0
0
836,000
0
0
0
773,000
0
0
652,000
720,000
304,000
304,000
928,077
688,000
334,605
316,574
904,144
767,000
820,287
874,607
737,000
758,000
201,000
201,000
808,000
852,000
199,000
199,000
779,000
910,000
214,000
214,000
870,000
928,000
0
0
0
1,127,000
1,127,000000928,000870,000214,000214,000910,000779,000199,000199,000852,000808,000201,000201,000758,000737,000874,607820,287767,000904,144316,574334,605688,000928,077304,000304,000720,000652,00000773,000000836,000000940,000000946,00001,043,00001,115,000001,505,00001,722,0000002,309,0000002,934,0000004,447,000000000000000000000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,745,000
2,745,000
0
0
3,212,484
3,288,099
1,733,301
1,639,898
3,356,101
3,325,304
1,829,146
4,302,000
2,892,000
9,374,000
0
9,647,000
2,274,000
12,018,000
13,000
25,325,000
2,887,000
32,492,000
160,000
38,789,000
3,450,000
40,785,000
0
31,664,000
0
35,167,000
35,167,000031,664,000040,785,0003,450,00038,789,000160,00032,492,0002,887,00025,325,00013,00012,018,0002,274,0009,647,00009,374,0002,892,0004,302,0001,829,1463,325,3043,356,1011,639,8981,733,3013,288,0993,212,484002,745,0002,745,000000000000000000000000000000000000000000000000000000000000000000
   > Long-term Assets 
0
5,841,858
0
12,824,355
0
6,709,979
0
12,839,000
0
8,977,454
0
18,578,000
0
12,084,579
0
12,397,724
0
14,346,354
0
13,773,597
0
16,082,972
0
17,069,210
0
20,509,003
0
22,864,414
0
30,649,300
0
43,411,000
0
45,603,973
0
51,828,000
0
50,462,448
0
46,968,000
46,021,000
48,751,000
41,704,000
38,655,000
38,176,000
31,908,000
31,516,000
32,423,000
23,640,000
129,560,000
31,601,000
126,232,000
22,062,000
126,227,000
32,258,000
125,007,000
22,287,000
126,190,000
30,115,000
124,794,000
19,189,000
120,277,000
30,862,000
117,803,000
19,612,000
117,076,000
32,201,000
115,843,000
18,587,000
116,581,000
19,683,000
117,779,000
20,912,000
122,701,000
36,524,000
123,857,000
21,346,000
122,230,000
36,933,000
122,902,000
23,307,000
122,233,000
39,659,000
124,364,000
10,893,000
114,900,000
33,186,000
114,539,000
17,256,000
122,166,000
35,924,000
124,221,000
18,520,000
18,520,000124,221,00035,924,000122,166,00017,256,000114,539,00033,186,000114,900,00010,893,000124,364,00039,659,000122,233,00023,307,000122,902,00036,933,000122,230,00021,346,000123,857,00036,524,000122,701,00020,912,000117,779,00019,683,000116,581,00018,587,000115,843,00032,201,000117,076,00019,612,000117,803,00030,862,000120,277,00019,189,000124,794,00030,115,000126,190,00022,287,000125,007,00032,258,000126,227,00022,062,000126,232,00031,601,000129,560,00023,640,00032,423,00031,516,00031,908,00038,176,00038,655,00041,704,00048,751,00046,021,00046,968,000050,462,448051,828,000045,603,973043,411,000030,649,300022,864,414020,509,003017,069,210016,082,972013,773,597014,346,354012,397,724012,084,579018,578,00008,977,454012,839,00006,709,979012,824,35505,841,8580
       Property Plant Equipment 
0
793,470
0
835,488
0
771,419
0
975,000
0
1,002,155
0
1,150,000
0
1,270,039
0
1,233,348
0
1,243,546
0
1,205,384
0
1,216,431
0
1,266,190
0
1,227,179
0
1,235,831
0
694,875
0
860,000
0
715,468
0
665,000
0
2,048,351
0
593,000
597,000
1,905,000
476,000
408,000
372,000
351,000
336,000
343,000
333,000
323,000
323,000
316,000
322,000
315,000
315,000
318,000
324,000
323,000
323,000
329,000
334,000
323,000
323,000
339,000
353,000
348,000
348,000
423,000
434,000
424,000
424,000
425,000
438,000
1,020,000
1,020,000
988,000
1,009,000
950,000
950,000
872,000
889,000
846,000
846,000
811,000
820,000
816,000
816,000
789,000
802,000
831,000
831,000
793,000
800,000
800,000793,000831,000831,000802,000789,000816,000816,000820,000811,000846,000846,000889,000872,000950,000950,0001,009,000988,0001,020,0001,020,000438,000425,000424,000424,000434,000423,000348,000348,000353,000339,000323,000323,000334,000329,000323,000323,000324,000318,000315,000315,000322,000316,000323,000323,000333,000343,000336,000351,000372,000408,000476,0001,905,000597,000593,00002,048,3510665,0000715,4680860,0000694,87501,235,83101,227,17901,266,19001,216,43101,205,38401,243,54601,233,34801,270,03901,150,00001,002,1550975,0000771,4190835,4880793,4700
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
219,000
0
0
0
375,000
0
0
0
347,000
0
0
0
293,000
319,000
47,000
47,000
46,000
44,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
31,000
31,000
31,000
31,000
34,000
34,000
34,000
34,000
36,000
36,000
25,000
25,000
25,000
25,000
26,000
26,000
27,000
27,000
277,000
277,000
299,000
299,000
0
0
300,000
300,000
300,000300,00000299,000299,000277,000277,00027,00027,00026,00026,00025,00025,00025,00025,00036,00036,00034,00034,00034,00034,00031,00031,00031,00031,000000000000000000000000044,00046,00047,00047,000319,000293,000000347,000000375,000000219,000000000000000000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
26,493,000
26,493,000
28,040,000
28,040,000
32,623,489
33,391,377
36,508,796
34,541,434
35,000,000
34,678,825
101,036,729
34,693,000
75,445,726
19,499,000
0
35,263,000
0
21,667,000
0
38,016,000
0
19,259,000
0
31,178,000
0
15,178,000
0
33,743,000
0
16,312,000
16,312,000033,743,000015,178,000031,178,000019,259,000038,016,000021,667,000035,263,000019,499,00075,445,72634,693,000101,036,72934,678,82535,000,00034,541,43436,508,79633,391,37732,623,48928,040,00028,040,00026,493,00026,493,000000000000000000000000000000000000000000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
193,856
0
0
0
296,379
0
270,763
0
428,355
0
265,423
0
252,208
0
146,910
0
284,680
0
315,515
0
800,436
0
590,000
0
957,371
0
1,192,000
0
909,599
0
1,140,000
565,000
485,000
475,000
450,000
408,000
387,000
393,000
0
371,000
371,000
371,000
374,000
374,000
361,000
361,000
410,000
410,000
433,000
433,000
526,000
526,000
534,000
534,000
635,000
635,000
702,000
702,000
748,000
748,000
755,000
755,000
768,000
768,000
777,000
777,000
802,000
802,000
695,000
695,000
726,000
726,000
771,000
771,000
825,000
825,000
915,000
915,000
977,000
977,000
1,350,000
1,350,000
1,108,000
1,108,000
1,108,0001,108,0001,350,0001,350,000977,000977,000915,000915,000825,000825,000771,000771,000726,000726,000695,000695,000802,000802,000777,000777,000768,000768,000755,000755,000748,000748,000702,000702,000635,000635,000534,000534,000526,000526,000433,000433,000410,000410,000361,000361,000374,000374,000371,000371,000371,0000393,000387,000408,000450,000475,000485,000565,0001,140,0000909,59901,192,0000957,3710590,0000800,4360315,5150284,6800146,9100252,2080265,4230428,3550270,7630296,379000193,856000000000
       Other Assets 
0
47,491,087
0
39,162,531
0
51,505,495
0
50,627,000
0
64,110,740
0
57,348,000
0
78,279,182
0
74,278,497
0
74,853,802
0
74,301,826
0
75,344,108
0
87,249,392
0
93,173,099
0
101,392,131
0
114,002,696
0
112,171,000
0
130,379,013
0
130,462,000
0
148,305,357
0
141,601,000
156,606,000
141,626,000
138,480,000
139,817,000
123,359,000
122,999,000
112,143,000
113,329,000
112,966,000
0
95,300,000
0
101,076,000
0
91,944,000
0
99,491,000
0
94,295,000
0
102,503,000
0
87,812,000
82,428,000
95,960,000
84,571,000
84,585,000
93,454,183
94,205,000
99,961,865
95,263,000
92,772,633
94,221,000
85,334,000
85,937,000
83,463,000
99,682,000
85,096,000
85,128,000
80,834,000
97,166,000
82,362,000
85,034,000
85,845,000
110,647,000
80,940,000
84,236,000
76,410,000
95,035,000
0
88,666,000
0
103,036,000
103,036,000088,666,000095,035,00076,410,00084,236,00080,940,000110,647,00085,845,00085,034,00082,362,00097,166,00080,834,00085,128,00085,096,00099,682,00083,463,00085,937,00085,334,00094,221,00092,772,63395,263,00099,961,86594,205,00093,454,18384,585,00084,571,00095,960,00082,428,00087,812,0000102,503,000094,295,000099,491,000091,944,0000101,076,000095,300,0000112,966,000113,329,000112,143,000122,999,000123,359,000139,817,000138,480,000141,626,000156,606,000141,601,0000148,305,3570130,462,0000130,379,0130112,171,0000114,002,6960101,392,131093,173,099087,249,392075,344,108074,301,826074,853,802074,278,497078,279,182057,348,000064,110,740050,627,000051,505,495039,162,531047,491,0870
> Total Liabilities 
0
2,336,370
0
1,389,093
0
2,368,222
0
1,866,000
0
4,377,061
0
2,510,000
0
5,439,104
0
6,367,515
0
8,034,444
0
9,625,684
0
11,337,346
0
12,900,524
0
13,085,617
0
20,530,838
0
0
0
156,981,000
0
53,422,112
0
182,055,000
0
93,016,005
0
190,912,000
69,216,000
7,942,000
46,053,000
45,706,000
160,066,000
24,773,000
144,628,000
19,473,000
139,542,000
18,140,000
17,971,000
124,250,000
124,268,000
14,612,000
23,435,000
121,053,000
121,053,000
15,336,000
15,336,000
120,431,000
121,847,000
117,563,000
117,563,000
113,248,000
113,727,000
9,082,000
13,783,000
112,887,000
112,887,000
8,674,000
12,986,000
113,618,000
113,618,000
9,169,000
11,415,000
122,165,000
121,450,000
8,968,000
10,900,000
124,133,000
124,133,000
9,221,000
22,549,000
143,930,000
143,930,000
11,338,000
23,034,000
139,167,000
139,392,000
10,094,000
13,197,000
143,147,000
143,147,000
143,147,000143,147,00013,197,00010,094,000139,392,000139,167,00023,034,00011,338,000143,930,000143,930,00022,549,0009,221,000124,133,000124,133,00010,900,0008,968,000121,450,000122,165,00011,415,0009,169,000113,618,000113,618,00012,986,0008,674,000112,887,000112,887,00013,783,0009,082,000113,727,000113,248,000117,563,000117,563,000121,847,000120,431,00015,336,00015,336,000121,053,000121,053,00023,435,00014,612,000124,268,000124,250,00017,971,00018,140,000139,542,00019,473,000144,628,00024,773,000160,066,00045,706,00046,053,0007,942,00069,216,000190,912,000093,016,0050182,055,000053,422,1120156,981,00000020,530,838013,085,617012,900,524011,337,34609,625,68408,034,44406,367,51505,439,10402,510,00004,377,06101,866,00002,368,22201,389,09302,336,3700
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,792,000
0
0
0
558,000
0
0
0
1,052,000
0
929,000
0
0
1,025,000
0
1,074,000
0
1,104,000
0
0
862,000
690,000
0
0
695,000
344,000
0
0
584,000
406,000
486,000
329,000
393,000
245,000
83,345,000
83,345,000
355,000
204,000
102,989,298
97,439,479
261,000
228,000
268,793,277
61,995,000
251,000
195,000
91,501,000
68,947,000
372,000
125,000
106,427,000
76,962,000
388,000
107,000
109,600,000
84,433,000
511,000
139,000
0
92,242,000
781,000
324,000
324,000781,00092,242,0000139,000511,00084,433,000109,600,000107,000388,00076,962,000106,427,000125,000372,00068,947,00091,501,000195,000251,00061,995,000268,793,277228,000261,00097,439,479102,989,298204,000355,00083,345,00083,345,000245,000393,000329,000486,000406,000584,00000344,000695,00000690,000862,000001,104,00001,074,00001,025,00000929,00001,052,000000558,0000001,792,0000000000000000000000000000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
15,076,000
15,076,000
12,334,000
12,334,000
878,799
899,484
0
0
0
0
0
57,000
0
4,935,000
0
0
0
3,242,000
0
0
0
2,888,000
0
0
0
3,350,000
0
30,000
0
1,925,000
1,925,000030,00003,350,0000002,888,0000003,242,0000004,935,000057,00000000899,484878,79912,334,00012,334,00015,076,00015,076,000000000000000000000000000000000000000000000000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
15,076,000
15,076,000
12,334,000
12,334,000
878,799
899,484
1,644,729
1,556,099
1,627,692
1,612,755
0
0
4,355,049
5,779,525
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000005,779,5254,355,049001,612,7551,627,6921,556,0991,644,729899,484878,79912,334,00012,334,00015,076,00015,076,000000000000000000000000000000000000000000000000000000000000000000
       Accounts payable 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,792,000
0
0
0
558,000
0
0
0
1,052,000
0
929,000
0
0
1,025,000
0
1,074,000
0
1,104,000
0
0
0
690,000
0
0
0
344,000
0
0
0
406,000
0
329,000
77,653,000
245,000
78,847,000
78,847,000
93,528,100
204,000
98,307,295
93,009,777
93,981,246
228,000
258,802,119
516,000
85,947,000
195,000
88,228,000
378,000
90,906,000
125,000
103,722,000
427,000
105,600,000
107,000
104,149,000
726,000
102,045,000
139,000
0
573,000
0
324,000
324,0000573,0000139,000102,045,000726,000104,149,000107,000105,600,000427,000103,722,000125,00090,906,000378,00088,228,000195,00085,947,000516,000258,802,119228,00093,981,24693,009,77798,307,295204,00093,528,10078,847,00078,847,000245,00077,653,000329,0000406,000000344,000000690,0000001,104,00001,074,00001,025,00000929,00001,052,000000558,0000001,792,0000000000000000000000000000000000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-1,792,000
0
0
0
-558,000
0
0
0
-1,052,000
0
-929,000
0
0
-1,025,000
0
-1,074,000
0
-1,104,000
0
0
0
-690,000
0
0
0
-344,000
0
0
0
-406,000
0
-329,000
1,471,000
-245,000
1,246,000
1,246,000
2,192,890
-204,000
795,916
753,026
656,402
-228,000
2,545,718
61,422,000
586,000
-195,000
714,000
68,569,000
704,000
-125,000
566,000
76,535,000
553,000
-107,000
1,047,000
83,707,000
894,000
-139,000
0
91,639,000
0
-324,000
-324,000091,639,0000-139,000894,00083,707,0001,047,000-107,000553,00076,535,000566,000-125,000704,00068,569,000714,000-195,000586,00061,422,0002,545,718-228,000656,402753,026795,916-204,0002,192,8901,246,0001,246,000-245,0001,471,000-329,0000-406,000000-344,000000-690,000000-1,104,0000-1,074,0000-1,025,00000-929,0000-1,052,000000-558,000000-1,792,0000000000000000000000000000000000
   > Long-term Liabilities 
0
2,336,370
0
1,389,093
0
2,368,222
0
1,866,000
0
4,377,061
0
2,510,000
0
5,439,104
0
6,367,515
0
8,034,444
0
9,625,684
0
11,337,346
0
12,900,524
0
13,085,617
0
20,530,838
0
0
0
43,307,000
0
53,422,112
0
67,331,000
0
93,016,005
0
68,650,000
69,216,000
7,942,000
46,053,000
45,706,000
31,468,000
24,773,000
20,552,000
19,473,000
19,791,000
18,140,000
17,971,000
123,388,000
16,964,000
14,612,000
23,435,000
120,358,000
18,546,000
15,336,000
15,336,000
119,847,000
15,707,000
117,077,000
12,604,000
112,855,000
13,627,000
9,082,000
13,783,000
112,532,000
13,663,000
8,674,000
12,986,000
113,357,000
12,825,000
9,169,000
11,415,000
121,914,000
12,565,000
8,968,000
10,900,000
123,761,000
10,221,000
9,221,000
22,549,000
143,542,000
23,535,000
11,338,000
23,034,000
138,656,000
12,447,000
10,094,000
13,197,000
142,366,000
13,149,000
13,149,000142,366,00013,197,00010,094,00012,447,000138,656,00023,034,00011,338,00023,535,000143,542,00022,549,0009,221,00010,221,000123,761,00010,900,0008,968,00012,565,000121,914,00011,415,0009,169,00012,825,000113,357,00012,986,0008,674,00013,663,000112,532,00013,783,0009,082,00013,627,000112,855,00012,604,000117,077,00015,707,000119,847,00015,336,00015,336,00018,546,000120,358,00023,435,00014,612,00016,964,000123,388,00017,971,00018,140,00019,791,00019,473,00020,552,00024,773,00031,468,00045,706,00046,053,0007,942,00069,216,00068,650,000093,016,005067,331,000053,422,112043,307,00000020,530,838013,085,617012,900,524011,337,34609,625,68408,034,44406,367,51505,439,10402,510,00004,377,06101,866,00002,368,22201,389,09302,336,3700
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
19,134,000
19,134,000
20,135,000
20,135,000
22,719,700
23,254,473
24,050,929
22,754,888
21,738,828
21,539,344
20,624,000
20,624,000
21,128,000
21,128,000
20,646,000
20,646,000
21,925,000
21,925,000
23,582,000
23,582,000
24,288,000
24,288,000
22,777,000
22,777,000
22,387,000
22,387,000
0
0
0
0
000022,387,00022,387,00022,777,00022,777,00024,288,00024,288,00023,582,00023,582,00021,925,00021,925,00020,646,00020,646,00021,128,00021,128,00020,624,00020,624,00021,539,34421,738,82822,754,88824,050,92923,254,47322,719,70020,135,00020,135,00019,134,00019,134,000000000000000000000000000000000000000000000000000000000000000000
> Total Stockholder Equity
0
2,634,208
0
2,832,786
0
2,818,934
0
3,279,000
0
3,576,697
0
3,830,000
0
4,227,243
0
4,195,676
0
4,456,717
0
4,183,608
0
4,270,377
0
4,275,825
0
4,595,889
0
4,787,495
0
4,509,206
0
5,328,000
0
5,833,268
0
6,724,000
0
7,191,302
0
6,484,000
6,382,000
6,852,000
7,877,000
7,736,000
7,351,000
6,517,000
10,202,000
8,833,000
8,591,000
7,932,000
7,932,000
7,889,000
7,875,000
8,274,000
8,274,000
8,753,000
8,753,000
10,275,000
10,275,000
10,528,000
9,112,000
8,703,000
8,703,000
9,418,000
9,401,000
9,456,000
9,456,000
8,859,000
8,859,000
9,074,000
9,032,000
9,243,000
9,243,000
9,257,000
9,257,000
9,751,000
9,625,000
9,900,000
9,900,000
9,553,000
9,553,000
10,220,000
10,220,000
11,270,000
11,270,000
11,988,000
11,988,000
11,455,000
11,865,000
12,056,000
12,056,000
12,558,000
12,558,000
12,558,00012,558,00012,056,00012,056,00011,865,00011,455,00011,988,00011,988,00011,270,00011,270,00010,220,00010,220,0009,553,0009,553,0009,900,0009,900,0009,625,0009,751,0009,257,0009,257,0009,243,0009,243,0009,032,0009,074,0008,859,0008,859,0009,456,0009,456,0009,401,0009,418,0008,703,0008,703,0009,112,00010,528,00010,275,00010,275,0008,753,0008,753,0008,274,0008,274,0007,875,0007,889,0007,932,0007,932,0008,591,0008,833,00010,202,0006,517,0007,351,0007,736,0007,877,0006,852,0006,382,0006,484,00007,191,30206,724,00005,833,26805,328,00004,509,20604,787,49504,595,88904,275,82504,270,37704,183,60804,456,71704,195,67604,227,24303,830,00003,576,69703,279,00002,818,93402,832,78602,634,2080
   Common Stock
0
678,238
0
681,842
0
720,446
0
0
0
690,399
0
0
0
738,752
0
671,171
0
671,394
0
669,963
0
671,697
0
671,243
0
671,490
0
662,658
0
605,938
0
663,000
0
655,583
0
663,000
0
662,928
0
664,000
657,000
636,000
657,000
1,204,000
1,210,000
1,210,000
2,452,000
2,452,000
2,452,000
2,452,000
2,452,000
1,616,000
2,558,000
2,558,000
2,558,000
1,616,000
2,558,000
2,558,000
2,558,000
1,616,000
2,558,000
2,545,000
2,545,000
1,616,000
2,545,000
2,545,000
2,545,000
1,075,000
1,079,000
1,079,000
1,625,000
1,076,000
1,079,000
1,079,000
1,079,000
1,618,000
1,079,000
1,079,000
1,079,000
1,074,000
1,079,000
1,079,000
1,079,000
1,076,000
1,079,000
1,070,000
1,070,000
1,069,000
1,070,000
1,056,000
1,056,000
1,056,000
1,057,000
1,057,0001,056,0001,056,0001,056,0001,070,0001,069,0001,070,0001,070,0001,079,0001,076,0001,079,0001,079,0001,079,0001,074,0001,079,0001,079,0001,079,0001,618,0001,079,0001,079,0001,079,0001,076,0001,625,0001,079,0001,079,0001,075,0002,545,0002,545,0002,545,0001,616,0002,545,0002,545,0002,558,0001,616,0002,558,0002,558,0002,558,0001,616,0002,558,0002,558,0002,558,0001,616,0002,452,0002,452,0002,452,0002,452,0002,452,0001,210,0001,210,0001,204,000657,000636,000657,000664,0000662,9280663,0000655,5830663,0000605,9380662,6580671,4900671,2430671,6970669,9630671,3940671,1710738,752000690,399000720,4460681,8420678,2380
   Retained Earnings Total Equity000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-7,000
0
0
0
0
0
0
0
0
0
-437,000
-437,000
636,000
636,000
91,000
91,000
1,202,000
1,202,000
1,152,000
1,152,000
784,000
784,000
762,000
762,000
1,492,000
1,492,000
365,000
365,000
-405,000
-405,000
-565,000
-565,000
-635,000
-635,000
-584,000
-352,000
212,000
-111,000
-26,000
-366,000
274,000
-304,000
344,000
-194,000
407,000
-97,000
306,000
720,000
183,000
-298,000
169,000
-212,000
175,000
-234,000
-234,000175,000-212,000169,000-298,000183,000720,000306,000-97,000407,000-194,000344,000-304,000274,000-366,000-26,000-111,000212,000-352,000-584,000-635,000-635,000-565,000-565,000-405,000-405,000365,000365,0001,492,0001,492,000762,000762,000784,000784,0001,152,0001,152,0001,202,0001,202,00091,00091,000636,000636,000-437,000-437,000000000000-7,000000000000000000000000000000000000000000
   Capital Surplus 000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Treasury Stock000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Other Stockholders Equity 
0
767,250
0
783,544
0
852,414
0
0
0
1,154,066
0
0
0
1,515,924
0
1,376,760
0
1,426,838
0
1,382,943
0
1,431,752
0
1,318,948
0
1,345,393
0
1,346,917
0
1,441,283
0
1,328,400
0
1,505,004
0
1,382,263
0
1,070,777
0
150,000
-134,000
1,413,000
2,174,000
3,724,000
2,401,000
2,096,000
4,218,000
4,736,000
1,532,000
1,313,000
1,440,000
1,238,000
870,000
1,238,000
1,741,000
1,239,000
777,000
1,240,000
1,760,000
1,240,000
800,000
678,000
1,202,000
560,000
143,000
548,000
1,043,000
423,000
447,000
428,000
2,123,000
431,000
189,000
429,000
306,000
571,000
470,000
421,000
775,000
431,000
1,137,000
435,000
1,251,000
436,000
1,349,000
439,000
481,000
446,000
1,155,000
447,000
1,210,000
449,000
1,216,000
1,216,000449,0001,210,000447,0001,155,000446,000481,000439,0001,349,000436,0001,251,000435,0001,137,000431,000775,000421,000470,000571,000306,000429,000189,000431,0002,123,000428,000447,000423,0001,043,000548,000143,000560,0001,202,000678,000800,0001,240,0001,760,0001,240,000777,0001,239,0001,741,0001,238,000870,0001,238,0001,440,0001,313,0001,532,0004,736,0004,218,0002,096,0002,401,0003,724,0002,174,0001,413,000-134,000150,00001,070,77701,382,26301,505,00401,328,40001,441,28301,346,91701,345,39301,318,94801,431,75201,382,94301,426,83801,376,76001,515,9240001,154,066000852,4140783,5440767,2500



Balance Sheet

Currency in EUR. All numbers in thousands.