← The Matrix  /  Institutional report

Aer Lingus AerClub

BBB Hold · Execute · Outlook Under Review — thin coverage
Composite57.9
Median (net)4.37¢
Range P25–P754.4–4.4¢
CoverageThin

Composite build

Value 35%
55
Stability 25%
80
Liquidity 20%
52
Consistency 10%
33
Drag 10%
50

Composite = Value 55×.35 + Stability 80×.25 + Liquidity 52×.20 + Consistency 33×.10 + Drag 50×.10 = 57.9.

Audit trail. Median computed from 18 priced corridors across 2 distinct chart cells (a chart cell = one points price × cabin). Pricing basis: chart. Value source: v5.3 route database — premium long-haul 4.9¢ on 11 routes (weight 70%) · everyday (economy + short-haul) 3.1¢ on 7 routes (weight 30%). Surcharge drag: 7.6%. Coverage is Thin — rating capped at AA and flagged Under Review: a median built on ≤2 chart cells is one observation, not a distribution.

The play

15K economy to Dublin with near-zero taxes — the cheapest Europe entry in the index, and a family-of-five special

Fund it with

5 of 6 bank currencies transfer in — Amex MR 1:1 · Chase UR 1:1 · Citi TY 1:1 · Bilt 1:1 · Wells Fargo 1:1

Amex 1:1 Chase 1:1 Bilt 1:1 WellsFargo 1:1

Availability reality

Dublin business is workable; economy space is generous

Watch

Narrow network beyond the Dublin gateway

Best benchmark routes

5.4¢Austin → Dublin · Business62K pts
5.3¢Dallas → Dublin · Business62K pts
4.9¢Boston → Dublin · Business62K pts

Funding efficiency

Effective cost. Headline median 4.9¢. Funded on a typical 30% transfer bonus (3×/yr): 6.4¢. Avios-family bonuses apply.

Sub-index ratings

IndexRatingScoreMedian (net)
MasterBBB 57.94.37¢
Domestic USAnot researched——
InternationalBBB57.94.37¢