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Aib Group Earnings Calls
| Release date | Mar 05, 2026 |
| EPS estimate | $1.09 |
| EPS actual | $1.09 |
| Revenue estimate | 2.628B |
| Revenue actual | 2.67B |
| Revenue Surprise | 1.61% |
| Release date | Aug 01, 2025 |
| EPS estimate | $0.442 |
| EPS actual | $0.481 |
| EPS Surprise | 8.77% |
| Revenue estimate | 2.667B |
| Revenue actual | 2.528B |
| Revenue Surprise | -5.20% |
| Release date | May 02, 2025 |
| EPS estimate | - |
| EPS actual | - |
| Revenue estimate | - |
| Revenue actual | - |
| Release date | Mar 05, 2025 |
| EPS estimate | $0.435 |
| EPS actual | $0.728 |
| EPS Surprise | 67.43% |
| Revenue estimate | 2.438B |
| Revenue actual | 2.537B |
| Revenue Surprise | 4.06% |
Last 4 Quarters for Aib Group
Below you can see how AIBRF performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Mar 05, 2025 |
| Price on release | $7.54 |
| EPS estimate | $0.435 |
| EPS actual | $0.728 |
| EPS surprise | 67.43% |
| Date | Price |
|---|---|
| Feb 27, 2025 | $7.23 |
| Feb 28, 2025 | $7.05 |
| Mar 03, 2025 | $7.18 |
| Mar 04, 2025 | $7.08 |
| Mar 05, 2025 | $7.54 |
| Mar 06, 2025 | $7.30 |
| Mar 07, 2025 | $7.64 |
| Mar 10, 2025 | $7.10 |
| Mar 11, 2025 | $7.38 |
| 4 days before | 4.29% |
| 4 days after | -2.12% |
| On release day | 0% |
| Change in period | 2.07% |
| Release date | May 02, 2025 |
| Price on release | $6.79 |
| EPS estimate | - |
| EPS actual | - |
| Date | Price |
|---|---|
| Apr 28, 2025 | $6.70 |
| Apr 29, 2025 | $6.91 |
| Apr 30, 2025 | $6.49 |
| May 01, 2025 | $6.91 |
| May 02, 2025 | $6.79 |
| May 05, 2025 | $6.90 |
| May 06, 2025 | $6.87 |
| May 07, 2025 | $6.87 |
| May 08, 2025 | $6.87 |
| 4 days before | 1.34% |
| 4 days after | 1.18% |
| On release day | 0% |
| Change in period | 2.54% |
| Release date | Aug 01, 2025 |
| Price on release | $7.90 |
| EPS estimate | $0.442 |
| EPS actual | $0.481 |
| EPS surprise | 8.77% |
| Date | Price |
|---|---|
| Jul 28, 2025 | $7.99 |
| Jul 29, 2025 | $7.80 |
| Jul 30, 2025 | $8.11 |
| Jul 31, 2025 | $8.11 |
| Aug 01, 2025 | $7.90 |
| Aug 04, 2025 | $7.75 |
| Aug 05, 2025 | $7.35 |
| Aug 06, 2025 | $8.02 |
| Aug 07, 2025 | $7.90 |
| 4 days before | -1.13% |
| 4 days after | 0% |
| On release day | -1.90% |
| Change in period | -1.13% |
| Release date | Mar 05, 2026 |
| Price on release | $10.32 |
| EPS estimate | $1.09 |
| EPS actual | $1.09 |
| Date | Price |
|---|---|
| Feb 27, 2026 | $10.50 |
| Mar 02, 2026 | $10.34 |
| Mar 03, 2026 | $10.08 |
| Mar 04, 2026 | $10.13 |
| Mar 05, 2026 | $10.32 |
| Mar 06, 2026 | $10.04 |
| Mar 09, 2026 | $10.30 |
| Mar 10, 2026 | $10.49 |
| Mar 11, 2026 | $10.29 |
| 4 days before | -1.71% |
| 4 days after | -0.291% |
| On release day | -2.71% |
| Change in period | -2.00% |
Aib Group Earnings Call Transcript Summary of Q4 2025
AIB delivered a strong 2025 with profit after tax of >€2.1bn, RoTE of 25% and resilient net interest income of €3.75bn. The group returned to full private ownership after repaying ~€21bn to the State and proposed total distributions of €2.25bn (105% payout), including a €988m final dividend and a €1bn on-market buyback. Capital remained robust with CET1 of 16.2% supported by ~370bps organic capital generation and RWA optimisation. New lending grew modestly (c. +2%) with mortgages down 4% (direct mortgage share 46%; overall market share 30%), corporate new lending +8% and property lending +25%. AIB deployed ~€23bn of green/transition lending since 2019, with green mortgages 62% of new RoI mortgage lending and new green lending 43% of new lending in 2025. Operationally AIB continues heavy digital and AI investment (annual tech spend rising to c. €400m), reported 99.99% Level 1 availability, and plans a next-generation app launch in summer 2026. Guidance for 2026: NII circa €3.8bn, other income >€750m, costs +2%, cost of risk 20–30bps, loans growth ~5%, deposits +2–3%, and RoTE >20%. Management emphasised continued focus on customer relationships, ESG growth, balance-sheet optimisation (SRTs, IRB rollout) and delivering market-leading shareholder distributions.
