AIB Group (AIBGY) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of AIB Group $19.81, price $24.90, upside -20.4%, quality 69 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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AIB Group
AIBGY · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range $3.18 – $27.06 · fair‑value band $15.45 – $31.24 · the $24.90 price screens above the $19.81 fair value. Dashed = 300-day average. As of Oct 3, 2026.
Company profile
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.
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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.
Stock analysis
AIB Group (AIBGY) currently trades at $24.90, while our model-based Fair Value estimate is $19.81, 20.4% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $19.87 per share, and 1 of the 6 models we run sit above the $24.90 price.
Bear case: the Asset-Based group reads lowest at $9.51, and 5 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $15.45 (bear) to $31.24 (bull), the price of $24.90 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 69/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
AIB Group reported revenue of €5.7B in FY2025 versus €2.6B in FY2021, a compound +21.5%/yr. Reported net income was €2.1B in FY2025, compounding +33.5%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap $27.4B · P/E ratio 11.5 · P/S ratio 4.15 · EPS (TTM) $2.17 · Dividend yield 9.3% · Net margin 36.1% · Return on equity 14.2% · Return on assets (EBIT) 1.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 8% below its 52-week high and 52% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −20%, AIBGY screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 75 · Market factors (momentum, volatility) 75
Revenue & earnings trend
Growth Forecast
AIBGY screens overvalued: fair value 20% below the price. Compare with DBS Group →
Compare AIB Group with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 78.00 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 600036 | ¥40.69 | ¥52.73 | +30% |
| UniCredit S.p.A UCG | €79.53 | €77.12 | −3% |
| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
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