PERMANENT TSB GROUP HOLDINGS (PTSB.I) Stock Fundamental Analysis
Europe - Euronext Dublin - DUB:PTSB - IE00BWB8X525 - Common Stock
2.79 EUR
0 (0%)
Taking everything into account, PTSB scores 3 out of 10 in our fundamental rating. PTSB was compared to 118 industry peers in the Banks industry. PTSB has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, PTSB is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- PTSB had positive earnings in the past year.
- In the past year PTSB had a positive cash flow from operations.
- The reported net income has been mixed in the past 5 years: PTSB reported negative net income in multiple years.
- PTSB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With a Return On Assets value of 0.24%, PTSB is not doing good in the industry: 91.53% of the companies in the same industry are doing better.
- With a Return On Equity value of 2.81%, PTSB is not doing good in the industry: 83.90% of the companies in the same industry are doing better.
| Industry Rank | Sector 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
1.3 Margins
- Looking at the Profit Margin, with a value of 10.13%, PTSB is doing worse than 88.14% of the companies in the same industry.
- PTSB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- PTSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, PTSB has about the same amount of shares outstanding.
- The debt/assets ratio for PTSB is higher compared to a year ago.
2.2 Solvency
- PTSB has a debt to FCF ratio of 15.12. This is a negative value and a sign of low solvency as PTSB would need 15.12 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 15.12, PTSB is doing good in the industry, outperforming 71.19% of the companies in the same industry.
- A Debt/Equity ratio of 0.77 indicates that PTSB is somewhat dependend on debt financing.
- PTSB has a Debt to Equity ratio of 0.77. This is amongst the best in the industry. PTSB outperforms 82.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.77 | ||
| Debt/FCF | 15.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC3.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 12.73% over the past year.
- The Revenue has decreased by -3.44% in the past year.
- Measured over the past years, PTSB shows a very strong growth in Revenue. The Revenue has been growing by 22.39% on average per year.
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 a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.85% yearly.
- Based on estimates for the next years, PTSB will show a small growth in Revenue. The Revenue will grow by 5.53% on average per year.
EPS Next Y-33.93%
EPS Next 2Y9.16%
EPS Next 3Y17.94%
EPS Next 5Y20.85%
Revenue Next Year-2.71%
Revenue Next 2Y1.96%
Revenue Next 3Y4.12%
Revenue Next 5Y5.53%
3.3 Evolution
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 21.46, PTSB is valued on the expensive side.
- Compared to the rest of the industry, the Price/Earnings ratio of PTSB indicates a rather expensive valuation: PTSB more expensive than 93.22% of the companies listed in the same industry.
- PTSB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.54.
- A Price/Forward Earnings ratio of 13.11 indicates a correct valuation of PTSB.
- Based on the Price/Forward Earnings ratio, PTSB is valued a bit more expensive than the industry average as 76.27% of the companies are valued more cheaply.
- The average S&P500 Price/Forward Earnings ratio is at 24.31. PTSB is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.46 | ||
| Fwd PE | 13.11 |
4.2 Price Multiples
- PTSB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PTSB is cheaper than 68.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.7 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- PTSB's earnings are expected to grow with 17.94% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.16%
EPS Next 3Y17.94%
5. Dividend
5.1 Amount
- PTSB does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
DUB:PTSB (1/15/2026, 7:00:00 PM)
2.79
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-31 2025-07-31
Earnings (Next)03-02 2026-03-02
Inst Owners21.14%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap1.52B
Revenue(TTM)701.00M
Net Income(TTM)71.00M
Analysts72.31
Price Target3.07 (10.04%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)0.55%
PT rev (3m)31.59%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.22%
EPS NY rev (3m)-2.06%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.46 | ||
| Fwd PE | 13.11 | ||
| P/S | 2.17 | ||
| P/FCF | 11.7 | ||
| P/OCF | 9.16 | ||
| P/B | 0.6 | ||
| P/tB | 0.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.13
EY4.66%
EPS(NY)0.21
Fwd EY7.63%
FCF(TTM)0.24
FCFY8.55%
OCF(TTM)0.3
OCFY10.92%
SpS1.29
BVpS4.63
TBVpS4.21
PEG (NY)N/A
PEG (5Y)N/A
Graham Number3.68
Profitability
| Industry Rank | Sector 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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector 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
WACC3.79%
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-33.93%
EPS Next 2Y9.16%
EPS Next 3Y17.94%
EPS Next 5Y20.85%
Revenue 1Y (TTM)-3.44%
Revenue growth 3Y22.39%
Revenue growth 5YN/A
Sales Q2Q%2.08%
Revenue Next Year-2.71%
Revenue Next 2Y1.96%
Revenue Next 3Y4.12%
Revenue Next 5Y5.53%
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
PERMANENT TSB GROUP HOLDINGS / PTSB.I FAQ
What is the fundamental rating for PTSB stock?
ChartMill assigns a fundamental rating of 3 / 10 to PTSB.I.
What is the valuation status for PTSB stock?
ChartMill assigns a valuation rating of 3 / 10 to PERMANENT TSB GROUP HOLDINGS (PTSB.I). This can be considered as Overvalued.
How profitable is PERMANENT TSB GROUP HOLDINGS (PTSB.I) stock?
PERMANENT TSB GROUP HOLDINGS (PTSB.I) has a profitability rating of 2 / 10.
How financially healthy is PERMANENT TSB GROUP HOLDINGS?
The financial health rating of PERMANENT TSB GROUP HOLDINGS (PTSB.I) is 2 / 10.
Can you provide the expected EPS growth for PTSB stock?
The Earnings per Share (EPS) of PERMANENT TSB GROUP HOLDINGS (PTSB.I) is expected to decline by -33.93% in the next year.