FBD Holdings plc

€19.80As of Sun 8 Nov 2026, 12:00 UTC

ISE:EG7Financials

Country Ireland

PE (Fwd) •••

TSR 10Y CAGR 20.80%

Div yield 8.84%

ROE 14.67%

Insurance (Property & Casualty)

Beta (5Y) (0.01)

PE TTM 10.42

TSR TTM 51.03%

Mkt cap €711.8M

Combined —

SE Grade™

Value

Quality

Moat

Consensus

Reference

€22

13.12%

409.80%

Hold 7|2|8|9|10

TTM

FYE 31 Dec EUR

FY2016

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026E

Trend

10Y

Peers

212.6

Revenue€M

86.19

93.78

100.4

109.9

118.3

126.6

138.1

145.9

155.0

165.3

218.7

6.93%

7.26%

12.38

Revenue growth%

21.62

22.89

21.21

18.24

15.86

13.77

11.74

8.89

9.45

11.35

2.15

11.35

14.82

9.33

Combined R.%

83.72

85.61

85.07

85.27

83.05

83.36

84.22

84.41

84.07

83.73

17.26

84.07

84.15

13.51

Operating margin%

10.59

13.40

13.07

11.54

13.81

14.43

13.00

14.77

14.32

16.00

5.38

14.43

13.61

17.76

Net margin%

16.46

15.77

18.35

17.78

16.77

14.91

13.24

10.85

9.78

6.85

21.81

10.85

15.34

20.64

P/E ratio (avg)x

40.25

46.73

45.06

43.02

49.25

47.72

55.13

56.21

65.27

66.94

24.60

56.21

48.49

17.40

P/TBVx

11.73

12.48

12.77

14.84

17.72

20.09

21.31

21.38

23.47

27.61

21.86

21.38

18.90

18.14

P/Bx

41.97

47.13

49.77

53.62

49.39

53.75

55.07

49.36

43.78

44.82

17.08

49.36

49.37

13.43

Prem. grth%

19.26

22.05

21.46

19.56

17.17

14.83

14.77

15.87

18.59

15.79

18.19

15.79

17.88

9.50

Invest. yld%

18.13

16.77

16.34

13.68

12.67

11.05

11.21

11.53

10.29

10.27

16.73

11.05

12.10

13.81

BVPS grth%

12.29

14.27

12.42

11.90

9.47

11.73

12.03

12.93

12.24

10.72

18.58

12.03

12.13

11.87

Return on equity%

9.82

8.28

9.88

12.28

13.35

11.00

10.47

7.86

6.74

9.45

7.66

9.45

9.85

24.68

Return on assets%

9.81

11.62

9.14

9.52

10.80

11.17

9.56

8.01

5.66

4.63

10.49

8.01

9.54

3.31

EPS€

2.29

2.51

2.71

2.90

3.53

4.04

4.18

4.63

5.00

6.02

3.64

11.23%

11.97%

—

2.22

EPS growth%

11.53

11.08

9.32

6.55

9.04

11.58

14.33

13.12

13.47

14.38

19.63

13.47

11.56

1.78

Bookvalue per sh€

0.96

0.93

0.98

0.90

0.82

0.72

0.79

0.70

0.72

3.70

(2.43%)

(3.98%)

—

1.12

TBV/sh€

3.80

3.54

3.30

3.63

3.61

3.88

4.13

4.06

4.65

3.69

5.17%

2.23%

—

1.09

Dividend per sh€

2.12

2.04

1.86

2.06

1.93

1.90

1.77

1.88

1.68

1.67

4.68

(2.85%)

(2.15%)

—

23.98

Div yield (avg)%

30.42

32.56

31.45

28.47

26.60

29.05

30.63

27.79

28.40

25.92

3.74

28.40

28.76

16.30

Payout ratio%

14.08

17.05

19.24

20.25

21.32

21.44

19.56

20.16

19.66

17.37

12.83

19.66

19.61

36.74

Shares (diluted)M

49.96

52.38

59.14

65.24

61.94

69.54

70.88

68.79

77.22

75.00

36.34

3.90%

5.51%

5.84

Buyback yield%

26.82

28.19

25.26

23.24

23.88

24.01

25.80

25.76

27.72

29.77

14.90

25.80

25.78

1.305

D/E ratiox

1.045

0.933

0.837

0.862

0.875

0.931

0.897

0.774

0.803

1.599

0.803

0.869

110.7

Assets€M

425.9

456.7

497.1

542.6

561.3

623.8

652.9

712.9

797.2

826.5

33.54

8.04%

7.74%

112.4

LT debt€M

231.1

241.4

246.7

276.5

298.1

315.3

291.0

277.9

255.9

287.4

116.6

(0.73%)

3.48%

Peers (US$799.2M)

Cap (US$)

Bank of Cyprus…

5.128B

8.981x

Permanent TSB Group…

1.805B

15.78x

REVO Insurance S.p.A.

754.2M

25.98x

Donegal Group Inc.

700.9M

10.16x

Capital

TTM

10Y

Leveragex

2.317

(0.439)

(0.435)

EBIT/Intx

0.267

0.116

0.112

Own earn%

—

Sh yield%

29.82

55.69

55.91

Owners

Insiders/Inst%

2.09

32.86

Short interest%

2.73

SBC / revenue%

3.14

Record

10Y

Profitable years

10/10

Revenue growth years

10/10

EPS growth years

10/10

Dividend streakyrs

Op margin range%

11–16

$1 testx

0.0

Incr. ROIC%

—

FBD Holdings plc, through its subsidiaries, engages in the underwriting of general insurance to farmers, private individuals, and business owners in Ireland. It operates through two segments, General Insurance and Other Services. The company is involved in underwriting operations for motor and non-motor insurance portfolios.

Growth vs revenue

Latest

Trend

10Y CAGR

Rel growth

Revenue

€165.3M

7.26%

1.00×

Claims and benefits

€94.72M

7.17%

0.99×

Total costs

€126.1M

7.23%

1.00×