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Home CompaniesAIB Group PLC

AIB Group PLC

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
924.0 GBX 2.00 ( 0.22%)
Last update at 2026-10-27T16:35:00Z
VOLUME
1430
Market Cap
17317.57M
P/E
10.06

Momentum Score

…

AIB Group plc provides banking and financial products and services to personal, business, and corporate customers in the Republic of Ireland, the United Kingdom, and internationally. It operates through Retail Banking, AIB Capital Markets, Climate & Infrastructure Capital, 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. It also provides personal, car, home improvement, student, SBCI and government, education, business sustainability, and farm and forestry development loans; merger and acquisition, management buyouts, syndicated debt facilities, infrastructure and project, mezzanine, asset, invoice, trade, revolving credit, corporate credit, prompt pay and insurance premium, structured and specialist, and ibanking financing services; mortgages; business and farmer credit line and overdrafts; and 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 foreign currency and interest rate risk management, cash management, equity investments, private banking services and advice, lending, treasury, trade facilities, asset finance, and invoice discounting services, as well as wealth management and capital markets services. 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
908.00
Low
938.00
High
52 Week Price Range
465.69
Low
859.57
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

AIB Group PLC is a major Irish retail and commercial bank offering deposits, mortgages, corporate lending and payment services in the Republic of Ireland and Northern Ireland. Long-term growth may be supported by domestic economic expansion, mortgage demand, wider net interest margins, digitalization and reduction of legacy assets; investors may find the bank attractive for its scale in the Irish market.

Key risks are an Irish economic or property downturn raising loan losses, interest-rate volatility reducing margins, regulatory changes and heightened competition.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
922.00
Dividend Yield
7.18%
Revenue TTM
4339.00M
Revenue Per Share
1.97
Gross Profit TTM
4339.00M
Debt / Equity
0.99
ROE
14.20%
Net Debt
-27500.09M
ROCE
1.52%
Diluted EPS TTM
0.81

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 2224.28M 2702.00M 2394.00M 880.00M 629.00M
Minority interest 2.00M 3.00M 3.00M 2.00M 2.00M
Net income 2140.31M 2354.00M 2061.00M 767.00M 647.00M
Selling general administrative 981.68M 720.00M 688.00M 676.00M 548.00M
Selling and marketing expenses - - 1102.00M - -
Gross profit 4473.55M 4852.00M 4524.00M 2876.00M 2371.00M
Reconciled depreciation 284.00M 295.00M 294.00M 341.00M 327.00M
Ebit 2224.28M 2702.00M 2394.00M 1235.00M 631.00M
Ebitda 2293.26M 2997.00M 2688.00M 1576.00M 958.00M
Depreciation and amortization 68.98M 295.00M 294.00M 341.00M 327.00M
Operating income 2398.22M 2973.00M 2741.00M 1235.00M 631.00M
Other operating expenses 3606.83M 1879.00M 1783.00M 1836.00M 1637.00M
Interest expense 1180.62M 1247.00M 804.00M 353.00M 290.00M
Tax provision 260.00M 351.00M 336.00M 115.00M -16.00M
Interest income 4929.00M 5376.00M 4645.00M 2511.00M 2084.00M
Net interest income 3748.00M 4129.00M 3841.00M 2158.00M 1794.00M
Income tax expense 259.92M 351.00M 336.00M 115.00M -16.00M
Total revenue 5831.11M 4852.00M 4524.00M 2876.00M 2371.00M
Total operating expenses 2249.27M 1879.00M 1783.00M 1836.00M 1637.00M
Cost of revenue 1357.56M 1247.00M -196.00M - -
Total other income expense net -173.94M -271.00M -347.00M -355.00M -2.00M
Net income from continuing ops 2139.00M 2351.00M 2058.00M 765.00M 645.00M
Net income applicable to common shares - - - 702.00M 582.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 148103.01M 141266.00M 136349.00M 129752.00M 127875.00M
Intangible assets 858.72M 806.00M 797.00M 820.00M 876.00M
Other current assets - -176.00M 540.00M 266.00M 64772.00M
Total liab 134730.35M 125839.00M 121280.00M 117491.00M 114215.00M
Total stockholder equity 13383.66M 15436.00M 15075.00M 12264.00M 13661.00M
Other current liab - 110143.00M -1.00M -37.00M -32.00M
Common stock 1334.57M 1455.00M 1637.00M 1671.00M 1696.00M
Capital stock 1335.00M 1455.00M 1637.00M 1671.00M 1696.00M
Retained earnings - 15676.00M 15618.00M 14004.00M 13523.00M
Other liab - - - 773.00M 1068.00M
Good will 127.96M 128.00M 128.00M 120.00M 120.00M
Other assets - 141266.00M 274.00M 70680.00M 64772.00M
Cash 40727.80M 37705.00M 38402.00M 38535.00M 43155.00M
Total current liabilities 1784.42M 110196.00M 54.00M 37.00M 32.00M
Net debt -27500.09M -37705.00M -27184.00M -29384.00M -35247.00M
Short term debt 1784.42M - - - -
Short long term debt total 13227.71M 9128.00M 11218.00M 9151.00M 7908.00M
Other stockholder equity - 13981.00M 13438.00M 10593.00M 11965.00M
Property plant equipment - - - 536.00M 631.00M
Total current assets 45812.16M 37705.00M 38503.00M 38634.00M 43525.00M
Long term investments 23671.00M 21296.00M 20133.00M 18962.00M 17951.00M
Net tangible assets - - - 11324.00M 12665.00M
Short term investments 5084.35M - 375.00M - -
Net receivables - 176.00M 101.00M 99.00M 370.00M
Inventory - - 641.00M - -
Accounts payable 68.00M 51.00M 54.00M 37.00M 32.00M
Accumulated other comprehensive income 12049.10M -1695.00M -2180.00M - -
Non currrent assets other 1020.67M 78512.00M 75956.00M -20438.00M -19578.00M
Non current assets total 102290.86M 103561.00M 97572.00M 20438.00M 19578.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -3121.00M -1104.00M -850.00M -1332.00M 2403.00M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -3149.00M -1104.00M -850.00M -1332.00M 2118.00M
Net borrowings 555.00M -672.00M 2049.00M 2298.00M 707.00M
Total cash from financing activities -2617.00M -3249.00M 1326.00M 1874.00M 517.00M
Change to operating activities - - - -5664.00M -2751.00M
Net income 2055.33M 2702.00M 2394.00M 880.00M 629.00M
Change in cash 2550.00M -714.00M -275.00M -4241.00M 16998.00M
Begin period cash flow 38327.00M 39041.00M 39316.00M 43557.00M 26559.00M
End period cash flow 40877.00M 38327.00M 39041.00M 39316.00M 43557.00M
Total cash from operating activities 8603.00M 3425.00M -838.00M -4447.00M 13944.00M
Issuance of capital stock -393.00M - - - -
Depreciation 284.00M 295.00M 294.00M 341.00M 327.00M
Other cashflows from investing activities 931.68M -202.00M -199.00M - -
Dividends paid 1123.64M 696.00M 166.00M 122.00M 65.00M
Sale purchase of stock -1199.61M -1502.00M -215.00M -91.00M -
Other cashflows from financing activities 39.14M -379.00M -342.00M 2931.00M 582.00M
Change to netincome - - - 111.00M -19.00M
Capital expenditures 58.98M 257.00M 240.00M 206.00M 235.00M
Change in working capital 1136.63M -238.00M -4145.00M -5620.00M 13032.00M
Other non cash items 5411.03M 666.00M 619.00M -48.00M -44.00M
Free cash flow 3588.84M 3168.00M -1078.00M -4653.00M 13709.00M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
AIBG
AIB Group PLC		 2.00
0.22%		 924.00 10.06 10.10 3.99 1.31 5.68
CBKD
Commercial International Bank -Egypt S.A.E		 -0.04
1.78%		 2.21 0.05 3.98 3.27 1.65 3.51
HSBK
Halyk Bank of Kazakhstan Joint Stock Company		 -0.50
1.51%		 32.50 0.01 4.03 2.33 1.17 2.88
LLOY
Lloyds Banking Group PLC		 -0.35
0.34%		 102.15 14.37 10.15 3.16 1.20 4.02
NWG
NatWest Group PLC		 -9.60
1.49%		 634.40 9.00 8.31 3.01 1.08 2.25

Profile*

AIB Group PLC

AIB Group plc provides banking and financial products and services to personal, business, and corporate customers in the Republic of Ireland, the United Kingdom, and internationally. It operates through Retail Banking, AIB Capital Markets, Climate & Infrastructure Capital, 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. It also provides personal, car, home improvement, student, SBCI and government, education, business sustainability, and farm and forestry development loans; merger and acquisition, management buyouts, syndicated debt facilities, infrastructure and project, mezzanine, asset, invoice, trade, revolving credit, corporate credit, prompt pay and insurance premium, structured and specialist, and ibanking financing services; mortgages; business and farmer credit line and overdrafts; and 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 foreign currency and interest rate risk management, cash management, equity investments, private banking services and advice, lending, treasury, trade facilities, asset finance, and invoice discounting services, as well as wealth management and capital markets services. 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.

10 Molesworth Street, Dublin, Ireland, D02 R126

353 1 660 0311

https://aib.ie/group

10207

Name Title Year Born
Dr. J. Colin Hunt BComm, MEconSc, Ph.D. CEO & Exec. Director 1970
Mr. Donal Galvin CFO & Exec. Director 1973
Mr. Andrew McFarlane Chief Operating Officer NA
Mr. Fergal Coburn Chief Technology Officer NA
Ms. Niamh Hore Head of Investor Relations NA
Ms. Helen Dooley Group Gen. Counsel 1969
Paddy McDonnell Head of Media Relations NA
Mr. Terence Liston Head of Corp. Devel. NA
Ms. Geraldine Casey Chief People Officer 1976
Mr. Jim O'Keeffe B.A., BA, H.Dip Managing Director of Retail Banking 1969

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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