Logo image of PTSB.I

PERMANENT TSB GROUP HOLDINGS (PTSB.I) Stock Fundamental Analysis

DUB:PTSB - IE00BWB8X525 - Common Stock

2.3 EUR
+0.02 (+0.88%)
Last: 9/5/2025, 7:00:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PTSB. PTSB was compared to 96 industry peers in the Banks industry. PTSB may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, PTSB is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

In the past year PTSB was profitable.
In the past year PTSB had a positive cash flow from operations.
In multiple years PTSB reported negative net income over the last 5 years.
In the past 5 years PTSB always reported a positive cash flow from operatings.
PTSB.I Yearly Net Income VS EBIT VS OCF VS FCFPTSB.I Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 1B 2B 3B

1.2 Ratios

The Return On Assets of PTSB (0.24%) is worse than 85.42% of its industry peers.
With a Return On Equity value of 2.81%, PTSB is not doing good in the industry: 84.38% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.24%
ROE 2.81%
ROIC N/A
ROA(3y)0.44%
ROA(5y)0.06%
ROE(3y)4.87%
ROE(5y)0.69%
ROIC(3y)N/A
ROIC(5y)N/A
PTSB.I Yearly ROA, ROE, ROICPTSB.I Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 5 -5

1.3 Margins

PTSB has a Profit Margin of 10.13%. This is amonst the worse of the industry: PTSB underperforms 84.38% of its industry peers.
The Operating Margin and Gross Margin are not available for PTSB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 10.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
PTSB.I Yearly Profit, Operating, Gross MarginsPTSB.I Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 20 -20 -40

More info and screens

3

2. Health

2.1 Basic Checks

PTSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PTSB remains at a similar level compared to 1 year ago.
Compared to 1 year ago, PTSB has a worse debt to assets ratio.
PTSB.I Yearly Shares OutstandingPTSB.I Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
PTSB.I Yearly Total Debt VS Total AssetsPTSB.I Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 5B 10B 15B 20B 25B

2.2 Solvency

The Debt to FCF ratio of PTSB is 15.12, which is on the high side as it means it would take PTSB, 15.12 years of fcf income to pay off all of its debts.
PTSB has a Debt to FCF ratio of 15.12. This is amongst the best in the industry. PTSB outperforms 81.25% of its industry peers.
PTSB has a Debt/Equity ratio of 0.77. This is a neutral value indicating PTSB is somewhat dependend on debt financing.
PTSB has a better Debt to Equity ratio (0.77) than 83.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 15.12
Altman-Z N/A
ROIC/WACCN/A
WACC3.25%
PTSB.I Yearly LT Debt VS Equity VS FCFPTSB.I Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PTSB.I Yearly Current Assets VS Current LiabilitesPTSB.I Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 50M 100M 150M

More info and screens

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 12.73% over the past year.
Looking at the last year, PTSB shows a decrease in Revenue. The Revenue has decreased by -3.44% in the last year.
PTSB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.39% yearly.
EPS 1Y (TTM)12.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-114.29%
Revenue 1Y (TTM)-3.44%
Revenue growth 3Y22.39%
Revenue growth 5YN/A
Sales Q2Q%2.08%

3.2 Future

PTSB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.02% yearly.
Based on estimates for the next years, PTSB will show a small growth in Revenue. The Revenue will grow by 4.22% on average per year.
EPS Next Y-30.26%
EPS Next 2Y9.01%
EPS Next 3Y17.02%
EPS Next 5YN/A
Revenue Next Year-3.02%
Revenue Next 2Y2.27%
Revenue Next 3Y4.36%
Revenue Next 5Y4.22%

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
PTSB.I Yearly Revenue VS EstimatesPTSB.I Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M
PTSB.I Yearly EPS VS EstimatesPTSB.I Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 5 10 15

More info and screens

3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 17.69 indicates a rather expensive valuation of PTSB.
PTSB's Price/Earnings ratio is rather expensive when compared to the industry. PTSB is more expensive than 89.58% of the companies in the same industry.
PTSB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.06.
The Price/Forward Earnings ratio is 10.83, which indicates a very decent valuation of PTSB.
60.42% of the companies in the same industry are cheaper than PTSB, based on the Price/Forward Earnings ratio.
PTSB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.69.
Industry RankSector Rank
PE 17.69
Fwd PE 10.83
PTSB.I Price Earnings VS Forward Price EarningsPTSB.I Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

PTSB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PTSB is cheaper than 72.92% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.64
EV/EBITDA N/A
PTSB.I Per share dataPTSB.I EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4

4.3 Compensation for Growth

A more expensive valuation may be justified as PTSB's earnings are expected to grow with 17.02% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.01%
EPS Next 3Y17.02%

More info and screens

0

5. Dividend

5.1 Amount

PTSB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

PERMANENT TSB GROUP HOLDINGS

DUB:PTSB (9/5/2025, 7:00:00 PM)

2.3

+0.02 (+0.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-31 2025-07-31
Earnings (Next)03-02 2026-03-02
Inst Owners5.91%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap1.25B
Analysts72.31
Price Target2.34 (1.74%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)10.27%
PT rev (3m)12.07%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)6.74%
EPS NY rev (3m)6.74%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)-0.42%
Valuation
Industry RankSector Rank
PE 17.69
Fwd PE 10.83
P/S 1.79
P/FCF 9.64
P/OCF 7.55
P/B 0.5
P/tB 0.55
EV/EBITDA N/A
EPS(TTM)0.13
EY5.65%
EPS(NY)0.21
Fwd EY9.23%
FCF(TTM)0.24
FCFY10.37%
OCF(TTM)0.3
OCFY13.24%
SpS1.29
BVpS4.63
TBVpS4.21
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.24%
ROE 2.81%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.13%
GM N/A
FCFM 18.54%
ROA(3y)0.44%
ROA(5y)0.06%
ROE(3y)4.87%
ROE(5y)0.69%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 15.12
Debt/EBITDA N/A
Cap/Depr 37.89%
Cap/Sales 5.14%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 183.1%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC3.25%
ROIC/WACCN/A
Cap/Depr(3y)84.47%
Cap/Depr(5y)90.89%
Cap/Sales(3y)7.28%
Cap/Sales(5y)8.3%
Profit Quality(3y)3146.25%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-114.29%
EPS Next Y-30.26%
EPS Next 2Y9.01%
EPS Next 3Y17.02%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.44%
Revenue growth 3Y22.39%
Revenue growth 5YN/A
Sales Q2Q%2.08%
Revenue Next Year-3.02%
Revenue Next 2Y2.27%
Revenue Next 3Y4.36%
Revenue Next 5Y4.22%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-96.59%
FCF growth 3Y21.32%
FCF growth 5YN/A
OCF growth 1Y-95.7%
OCF growth 3Y21.26%
OCF growth 5YN/A