{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "cd5f121d-dc32-4928-b021-fa1c6d33ccb7",
    "symbol": "BIRG",
    "name": "Bank of Ireland Group plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "cd5f121d-dc32-4928-b021-fa1c6d33ccb7",
      "symbol": "BIRG",
      "name": "Bank of Ireland Group plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "BIRG.L",
    "market_cap": 16760092672.0,
    "market_cap_usd": 16760092672.0,
    "price": 17.639999,
    "currency": "EUR",
    "dividend_yield": 0.0524,
    "dividend_years": 14,
    "dividend_growth_5y": 0.24393263,
    "dividend_cut_5y": true,
    "payout_ratio": 0.4617,
    "net_income": 1201000000.0,
    "free_cash_flow": 3523000000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.81412093,
    "revenue_growth_5y": 0.10291539,
    "net_margin": 0.30374,
    "roe": 0.09264,
    "pe_ratio": 15.33913,
    "price_vs_ma": 0.09823167,
    "return_3y": 1.3787894,
    "return_5y": 3.66302159,
    "max_drawdown": -0.22167492,
    "scores": {
      "dividend_reliability": 14.75,
      "dividend_sustainability": 20.0,
      "business_quality": 24.0,
      "valuation": 15.0,
      "trend": 15.0,
      "total": 88.75,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/",
      "chart": "https://sharemaestro.com/terminal/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 14.75,
    "dividend_sustainability": 20.0,
    "business_quality": 24.0,
    "valuation": 15.0,
    "trend": 15.0,
    "total": 88.75,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "BIRG dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2026-04-23",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "Dividend increased 80.0%",
      "detail": "Payment changed from 0.25 to 0.45.",
      "amount": 0.45,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2026-04-23",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "BIRG dividend payment 0.45 EUR",
      "detail": "Recorded dividend payment for Bank of Ireland Group plc.",
      "amount": 0.45,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2025-10-02",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "Dividend decreased -10.7%",
      "detail": "Payment changed from 0.28 to 0.25.",
      "amount": 0.25,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2025-10-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "BIRG dividend payment 0.25 EUR",
      "detail": "Recorded dividend payment for Bank of Ireland Group plc.",
      "amount": 0.25,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2025-04-30",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "Dividend decreased -20.0%",
      "detail": "Payment changed from 0.35 to 0.28.",
      "amount": 0.28,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2025-04-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "BIRG dividend payment 0.28 EUR",
      "detail": "Recorded dividend payment for Bank of Ireland Group plc.",
      "amount": 0.28,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2024-10-10",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "Dividend decreased -41.7%",
      "detail": "Payment changed from 0.6 to 0.35.",
      "amount": 0.35,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2024-10-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "BIRG dividend payment 0.35 EUR",
      "detail": "Recorded dividend payment for Bank of Ireland Group plc.",
      "amount": 0.35,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2024-05-09",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "Dividend increased 185.7%",
      "detail": "Payment changed from 0.21 to 0.6.",
      "amount": 0.6,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2024-05-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "BIRG dividend payment 0.6 EUR",
      "detail": "Recorded dividend payment for Bank of Ireland Group plc.",
      "amount": 0.6,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2023-05-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "Dividend increased 320.0%",
      "detail": "Payment changed from 0.05 to 0.21.",
      "amount": 0.21,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2023-05-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "BIRG dividend payment 0.21 EUR",
      "detail": "Recorded dividend payment for Bank of Ireland Group plc.",
      "amount": 0.21,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2022-05-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "BIRG dividend payment 0.05 EUR",
      "detail": "Recorded dividend payment for Bank of Ireland Group plc.",
      "amount": 0.05,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2019-05-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "BIRG dividend payment 0.16 EUR",
      "detail": "Recorded dividend payment for Bank of Ireland Group plc.",
      "amount": 0.16,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2018-04-19",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "BIRG dividend payment 0.115 EUR",
      "detail": "Recorded dividend payment for Bank of Ireland Group plc.",
      "amount": 0.115,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2008-05-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "BIRG dividend payment 7.459 EUR",
      "detail": "Recorded dividend payment for Bank of Ireland Group plc.",
      "amount": 7.459039,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2007-11-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "BIRG dividend payment 4.581 EUR",
      "detail": "Recorded dividend payment for Bank of Ireland Group plc.",
      "amount": 4.58144,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    },
    {
      "event_date": "2007-06-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BIRG",
      "exchange": "LSE",
      "headline": "BIRG dividend payment 7.459 EUR",
      "detail": "Recorded dividend payment for Bank of Ireland Group plc.",
      "amount": 7.459039,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/cd5f121d-dc32-4928-b021-fa1c6d33ccb7/"
    }
  ]
}