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FBD Holdings (EG7) Fair Value & Analysis

Financial Services · IE · Market cap €696M

FH FBD Holdings EG7 · IR
Price€17.20
Fair Value€15.15
Upside-11.9%
Quality69/100
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Evidence: High Range €11.36 – €18.94

Fair value as of: Jun 26, 2026

From 24 valuation models · updated 6 days ago

Fair value updated Jun 26, 2026 — revised from €19.32 to €15.15 (−21.6%) since Jun 24, 2026. Share price +4.6% over the past month.

Price vs Fair Value (12 months)

€17.30 €13.35 Fair Value €15.15 Jun 2025 Jun 2026

12‑month range €13.35 – €17.30 · fair‑value band €11.36 – €18.94 · the €17.20 price screens above the €15.15 fair value. As of Jun 26, 2026.

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Analysis

FBD Holdings (EG7) currently trades at €17.20, while our model-based Fair Value estimate is €15.15 — implying the stock looks roughly 11.9% overvalued today. We read business quality at 69/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

Over the trailing twelve months, FBD Holdings generated revenue of €508M at a net margin of 9.3%. Revenue grew 10.0% year over year. It earns a return on equity of 9.8%. The balance sheet holds a net cash position of €110M. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) €508M
Revenue growth (YoY) +10.0%
Net margin 9.3%
Return on equity 9.8%
Free cash flow €47.8M FY2025
P/E ratio 13.5
More key figures
Operating margin 22.7%
EPS (TTM) €1.27
Dividend yield 5.8%
EPS growth (YoY) -17.9%
Net cash €110M FY2021

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

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.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

FBD Holdings reported revenue of €463M in FY2025 versus €357M in FY2021, a compound +6.7%/yr. Reported net income was €47.2M in FY2025, compounding −16.4%/yr from FY2021.

Revenue +6.7%/yr
FY21 €357M
FY22 €333M
FY23 €364M
FY24 €413M
FY25 €463M
Net income −16.4%/yr
FY21 €96.4M
FY22 €64.5M
FY23 €69.5M
FY24 €67.2M
FY25 €47.2M

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Frequently asked questions

Is FBD Holdings (EG7) undervalued?
As of Jun 26, 2026, our model estimates a fair value of €15.15 versus a price of €17.20 — about −12% (overvalued). Model-based estimate, not financial advice.
What is the fair value of EG7?
Our model-based fair value for FBD Holdings is €15.15 (as of Jun 26, 2026), built from audited fundamentals. The current price is €17.20.
What is the quality score of EG7?
FBD Holdings has a Quality Score of 69/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of FBD Holdings (EG7)?
FBD Holdings reported trailing-twelve-month revenue of about €508M (latest available figure, as of Jun 26, 2026).
What is the net profit margin of EG7?
The net profit margin of FBD Holdings is about 9.3%, meaning it keeps roughly 9.3% of revenue as net income. Based on the latest reported figures.
Does FBD Holdings pay a dividend?
FBD Holdings currently shows a dividend yield of about 5.78% relative to its recent price (as of Jun 26, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.