FBD Holdings PLC

EG7 · IR · Financial Services / Insurance - Property & Casualty

19.30EUR-0.20 (-1.03%)

Price History

Full chart

Market Stats

Previous Close19.50

Open19.05

Day Range18.80 – 19.30

52-Week Range13.75 – 20.00

Volume5.25K

Market Cap700.97M

P/E (TTM)10.26

Forward P/E12.32

EPS1.90

Dividend Yield5.12%

Beta-0.01

50-Day Avg18.94

200-Day Avg17.35

About

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. It also provides car, home, travel, life and pensions, farm, and business insurance products; and investments and pension products. FBD Holdings plc was founded in 1969 and is headquartered in Dublin, Ireland.

Company Details

SectorFinancial Services
IndustryInsurance - Property & Casualty
CEOMr. Tomas O'Midheach B.Com., BComm, FCCA, MBBS, MBS
Employees1.04K
HeadquartersFBD House, Dublin, Ireland, D12 Y0HE, Ireland
Websitehttps://www.fbdgroup.com

Leadership

Mr. Tomas O'Midheach B.Com., BComm, FCCA, MBBS, MBSGroup CEO & Executive Director · b. 1970
Ms. Kate TobinGroup CFO & Executive Director
Mr. Enda KyneChief Technology & Operations Officer
Mr. John CahalanChief Sales Officer
Ms. Carolyn O'HaraChief Human Resources Officer
Mr. Jackie McMahonChief Claims Officer
Mr. Derek HallChief Risk Officer
Ms. Maureen O'MearaHead of Sales for Munster
Mr. Kevin CoughlanChief Strategy Implementation Officer
Mr. Sean KelleherChief Underwriting Officer

Financials

Income Statement

Currency: EUR	1987-12-31	1988-12-31	1989-12-31	1990-12-31	1991-12-31	1992-12-31	1993-12-31	1994-12-31	1995-12-31	1996-12-31	1997-12-31	1998-12-31	1999-12-31	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: EUR	1987-12-31	1988-12-31	1989-12-31	1990-12-31	1991-12-31	1992-12-31	1993-12-31	1994-12-31	1995-12-31	1996-12-31	1997-12-31	1998-12-31	1999-12-31	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	-	-	-	-	-	-	-	173.00K	140.00K	118.00K	141.00K	-	-	-	-	-	-	-	-	489.28M	349.61M	303.15M	393.89M	385.98M	340.68M	337.71M	341.04M	344.89M	347.69M	325.11M	344.03M	349.42M	365.27M	335.00M	357.23M	333.43M	364.09M	413.49M	462.73M
Growth (%)	-	-	-	-	-	-	-	-	-19.08%	-15.71%	+19.49%	-	-	-	-	-	-	-	-	-	-28.55%	-13.29%	+29.93%	-2.01%	-11.74%	-0.87%	+0.98%	+1.13%	+0.81%	-6.50%	+5.82%	+1.57%	+4.54%	-8.29%	+6.64%	-6.66%	+9.20%	+13.57%	+11.91%
Operating Income	-	-	-	-	-	11.47M	13.32M	13.32M	17.72M	18.63M	-	49.63M	-	40.35M	28.68M	25.18M	115.70M	131.98M	185.16M	158.51M	235.51M	58.17M	-31.27M	153.00K	-	52.90M	51.45M	-4.53M	-85.46M	17.60M	56.03M	-	-	-	-	-	-	-	-
Operating Margin	-	-	-	-	-	-	-	7700.58%	12658.57%	15789.83%	-	-	-	-	-	-	-	-	-	32.40%	67.36%	19.19%	-7.94%	0.04%	-	15.66%	15.09%	-1.31%	-24.58%	5.41%	16.29%	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	13.37M	18.00M	19.32M	19.52M	-	-	-	-	-	-	-	-	304.97M	170.60M	-28.97M	-24.32M	7.46M	66.16M	63.56M	59.02M	3.58M	-75.16M	30.13M	67.46M	67.20M	126.33M	19.24M	131.78M	-	-	-	-
EBITDA Margin	-	-	-	-	-	-	-	7729.48%	12855.71%	16375.42%	13841.84%	-	-	-	-	-	-	-	-	62.33%	48.80%	-9.56%	-6.17%	1.93%	19.42%	18.82%	17.31%	1.04%	-21.62%	9.27%	19.61%	19.23%	34.59%	5.74%	36.89%	-	-	-	-
Net Income	-	-	-	-	-	7.21M	8.93M	9.36M	13.90M	14.69M	16.15M	40.65M	328.00K	34.63M	25.54M	20.34M	93.48M	113.26M	161.50M	246.64M	139.87M	-33.27M	-30.19M	-2.41M	51.10M	48.92M	44.79M	-3.42M	-73.69M	10.76M	42.70M	42.38M	98.22M	4.39M	96.41M	64.45M	69.54M	67.20M	47.16M
Net Income Margin	-	-	-	-	-	-	-	5412.14%	9928.57%	12445.76%	11456.74%	-	-	-	-	-	-	-	-	50.41%	40.01%	-10.97%	-7.66%	-0.62%	15.00%	14.49%	13.13%	-0.99%	-21.19%	3.31%	12.41%	12.13%	26.89%	1.31%	26.99%	19.33%	19.10%	16.25%	10.19%
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.86M	4.09M	4.47M	3.38M	3.24M	-	-	-	-	1.36M	6.16M	6.30M	5.45M	2.58M	2.58M	2.54M	2.56M	2.56M	2.56M	2.57M
Interest Expense % of Total Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.99%	1.17%	1.48%	0.86%	0.84%	-	-	-	-	0.39%	1.89%	1.83%	1.56%	0.71%	0.77%	0.71%	0.77%	0.70%	0.62%	0.55%

Balance Sheet

Currency: EUR	1987-12-31	1988-12-31	1989-12-31	1990-12-31	1991-12-31	1992-12-31	1993-12-31	1994-12-31	1995-12-31	1996-12-31	1997-12-31	1998-12-31	1999-12-31	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: EUR	1987-12-31	1988-12-31	1989-12-31	1990-12-31	1991-12-31	1992-12-31	1993-12-31	1994-12-31	1995-12-31	1996-12-31	1997-12-31	1998-12-31	1999-12-31	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	85.76M	112.78M	142.88M	166.39M	212.62M	244.91M	291.92M	380.16M	571.54M	607.18M	613.75M	677.15M	671.23M	751.49M	877.94M	1.09B	1.25B	1.47B	1.56B	1.69B	1.39B	1.28B	1.26B	1.23B	1.06B	1.07B	1.09B	1.15B	1.26B	1.27B	1.32B	1.30B	1.35B	1.48B	1.58B	1.47B	1.37B	1.37B	1.37B
Total Liabilities	74.33M	92.93M	109.49M	130.35M	172.85M	204.58M	240.44M	328.22M	491.79M	514.69M	498.96M	528.91M	527.52M	580.06M	668.10M	861.45M	942.24M	1.04B	1.08B	1.18B	994.86M	1.04B	1.06B	1.04B	843.23M	822.45M	811.20M	910.24M	1.04B	1.04B	1.04B	1.02B	974.80M	1.10B	1.10B	1.05B	887.12M	880.14M	892.49M
Total Equity	11.43M	19.85M	33.39M	36.05M	39.77M	40.33M	51.48M	51.94M	79.75M	92.50M	114.79M	148.24M	143.71M	171.43M	209.84M	208.93M	289.96M	406.45M	476.13M	500.44M	386.51M	238.33M	194.43M	185.05M	212.85M	244.18M	280.14M	241.50M	218.79M	228.47M	274.55M	286.41M	375.15M	386.90M	475.31M	425.71M	479.96M	486.13M	477.28M
Cash	32.37M	44.25M	71.05M	86.36M	92.80M	110.71M	134.96M	169.30M	262.59M	253.04M	196.78M	166.91M	79.56M	255.79M	224.65M	492.13M	632.48M	51.36M	41.90M	37.42M	35.62M	218.86M	119.50M	36.71M	35.66M	25.71M	21.59M	26.19M	22.24M	26.56M	27.18M	77.64M	94.98M	129.53M	164.48M	162.40M	142.40M	152.32M	170.04M
Total Debt	-	-	-	7.53M	23.82M	26.79M	21.75M	25.77M	40.67M	39.60M	14.58M	15.23M	-	-	-	-	-	80.48M	99.83M	112.35M	60.41M	110.97M	120.05M	117.77M	-	-	-	-	100.07M	51.14M	52.52M	49.43M	55.71M	55.39M	54.95M	-	-	-	-
Net Debt	-32.37M	-44.25M	-71.05M	-78.83M	-68.98M	-83.91M	-113.21M	-143.53M	-221.92M	-213.44M	-182.20M	-151.68M	-79.56M	-255.79M	-224.65M	-492.13M	-632.48M	29.11M	57.93M	74.93M	24.79M	-107.89M	553.00K	81.05M	-35.66M	-25.71M	-21.59M	-26.19M	77.83M	24.57M	25.35M	-28.21M	-39.27M	-74.15M	-109.53M	-	-	-	-

Cash Flow

Currency: EUR	1992-12-31	1993-12-31	1994-12-31	1995-12-31	1996-12-31	1997-12-31	1998-12-31	1999-12-31	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: EUR	1992-12-31	1993-12-31	1994-12-31	1995-12-31	1996-12-31	1997-12-31	1998-12-31	1999-12-31	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	30.90M	50.65M	42.88M	64.00M	47.66M	47.57M	38.89M	68.53M	91.50M	103.89M	167.14M	160.35M	157.39M	141.63M	180.51M	121.26M	26.32M	3.32M	38.13M	32.75M	39.58M	39.88M	55.86M	17.15M	13.70M	99.78M	33.08M	45.23M	79.10M	54.20M	94.47M	65.09M	84.13M	65.72M
Investing Cash Flow	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-9.32M	-99.17M	62.04M	-9.23M	-41.07M	-15.80M	-57.22M	-	-	-
Financing Cash Flow	1.27M	330.00K	1.60M	764.00K	-981.00K	-24.51M	1.37M	-15.00M	629.00K	-821.00K	-3.13M	11.67M	25.06M	-96.74M	-181.57M	-303.08M	-27.10M	2.15M	-12.58M	-12.04M	-11.66M	-11.85M	-15.16M	56.17M	-54.00K	-44.66M	-44.66M	-18.66M	-3.48M	-3.46M	-39.34M	-	-	-
Capital Expenditure	465.00K	1.57M	252.00K	273.00K	2.26M	3.92M	2.22M	3.20M	0	0	0	2.54M	5.22M	6.24M	7.04M	11.37M	6.14M	8.47M	6.42M	5.41M	10.19M	18.57M	24.09M	18.21M	12.11M	7.87M	13.40M	10.87M	5.43M	6.67M	5.85M	19.77M	19.38M	17.87M
Free Cash Flow	30.44M	49.08M	42.63M	63.73M	45.41M	43.65M	36.67M	65.32M	91.50M	103.89M	167.14M	157.82M	152.17M	135.38M	173.47M	109.89M	20.17M	-5.16M	31.71M	27.34M	29.40M	21.31M	31.76M	-1.06M	1.58M	91.91M	19.68M	34.36M	73.67M	47.53M	86.20M	45.31M	64.75M	47.85M
Dividends Paid	-	-	-	-	-	-	-	-	-	-	-	-	12.61M	18.16M	77.67M	105.55M	47.66M	6.94M	10.15M	11.01M	12.27M	15.66M	17.50M	11.95M	0	8.60M	8.60M	17.71M	35.87M	35.87M	35.87M	72.03M	72.08M	63.67M
FCF to OCF	98.50%	96.90%	99.41%	99.57%	95.26%	91.75%	94.29%	95.33%	100.00%	100.00%	100.00%	98.42%	96.68%	95.59%	96.10%	90.62%	76.65%	-155.47%	83.18%	83.48%	74.26%	53.43%	56.86%	-6.19%	11.55%	92.11%	59.49%	75.97%	93.13%	87.69%	91.24%	69.62%	76.97%	72.81%
Dividend Paid to FCF	-	-	-	-	-	-	-	-	-	-	-	-	8.29%	13.41%	44.78%	96.05%	236.28%	-134.50%	31.99%	40.28%	41.75%	73.51%	55.11%	-1126.30%	0.00%	9.36%	43.71%	51.55%	48.69%	75.46%	41.61%	158.95%	111.32%	133.08%

Key Statistics & Ratios

Market Cap700.97M

Enterprise Value644.16M

Trailing P/E10.26

Forward P/E12.32

Price / Sales1.32

Price / Book1.46

EPS1.90

Book Value13.35

Revenue (TTM)529.23M

Gross Profit (TTM)105.55M

EBITDA135.29M

Profit Margin13.30%

Operating Margin24.59%

Return on Equity14.67%

Return on Assets5.61%

Shares Outstanding35.95M

Shares Float17.71M

Beta-0.01

Dividend Yield5.12%

Dividend Rate1.00

Payout Ratio52.63%

Dividends

20231×

1.00Apr 20, 2023

20221×

1.00Apr 21, 2022

20201×

1.00Apr 9, 2020

20191×

0.50Apr 11, 2019

20181×

0.24Apr 5, 2018

20151×

0.34Mar 12, 2015

20142×

0.17Sep 3, 20140.33Mar 12, 2014

20132×

0.16Sep 4, 20130.30Mar 13, 2013

20122×

0.12Sep 5, 20120.23Mar 14, 2012

20112×

0.11Aug 31, 20110.21Mar 16, 2011

20102×

0.10Sep 1, 20100.20Mar 10, 2010

20092×

0.10Sep 2, 20090.10Mar 11, 2009

20082×

0.30Sep 3, 20080.52Mar 19, 2008

20072×

0.28Sep 5, 20070.39Mar 14, 2007

20062×

0.21Sep 13, 20061.40Jul 19, 2006