Cash Generator Analysis

AIBG

AIB Group plc · LSE · United Kingdom

Elite cash generator: strong owner-cash yield with clean quality and limited trap risk.

Back to Cash Generators Full Factor Intel

Owner Yield33.2%FCF/EV, FCF/price and earnings/price blended to…

Earnings / Price11.4%Net income divided by market value. It gives th…

FCF / Price44.1%Free cash flow divided by market value. This is…

Trap Risk20Penalty score from leverage, poor conversion, n…

Piotroski5Nine-point fundamental strength check. Higher s…

Dividend Yield5.6%Income paid to shareholders. Useful only when s…

This is the kind of business-quality read Buffett and Munger would start with: cash first, accounting second, then a ruthless check for debt, deterioration and market rejection. The current snapshot looks unusually clean: owner cash is strong, quality is visible, and the trap brake is quiet.

100 Owner Cash

Does the business produce meaningful cash relative to the price paid?

71 Quality Of Earnings

Do reported profits convert into free cash flow rather than accounting smoke?

98 Durable Engine

Is the cash generation supported by growth, stability and margin resilience?

100 Balance Sheet

Can the company survive a tougher cycle without the cash story breaking?

75 Capital Allocation

Is management returning or retaining cash in a way that supports owners?

Pillar Breakdown

The final score is weighted toward cash yield and cash quality, then reduced by value-trap risk.

Cash Yield100.0

Cash Quality70.9

Durability98.1

Balance Sheet100.0

Capital Allocation75.4

Market Confirmation62.7

Score History

Weekly factor snapshots, using the same scoring logic.

Cash Quality Metrics

Income, cash flow, growth and balance sheet context behind the headline score.

FCF Yield44.1%

EV / FCF2.27

FCF Margin183.4%

Cash Conversion3.86

EPS Growth-0.9%

Revenue Growth-8.3%

ROIC-

Net Debt / EBITDA-

Interest Cover-

Dividend Yield5.6%

Shareholder Yield12.0%

12-1 Momentum47.1%

Value-Trap Checks

Reasons the model may distrust the headline cash yield.

financial statement cautionBanks, insurers and credit balance sheets are not directly comparable to normal operating companies on FCF metrics.

revenue shrinkingSales contraction can make a high cash yield a melting-ice-cube signal.

Recent Weekly Reads

The latest scoring history for this company.

Week	Score	Owner Yield	Trap Risk
12 Jul 2026	80.3	33.2%	20
5 Jul 2026	70.7	33.6%	38
28 Jun 2026	76.0	32.7%	28
21 Jun 2026	75.9	31.7%	28
14 Jun 2026	76.0	33.5%	28
7 Jun 2026	76.0	33.6%	28