Logo image of PTSB.I

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

DUB:PTSB - Euronext Dublin - IE00BWB8X525 - Common Stock - Currency: EUR

2.23  +0.07 (+3.24%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PTSB. PTSB was compared to 91 industry peers in the Banks industry. Both the profitability and financial health of PTSB have multiple concerns. PTSB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

In the past year PTSB was profitable.
PTSB had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: PTSB reported negative net income in multiple 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

Looking at the Return On Assets, with a value of 0.41%, PTSB is doing worse than 75.82% of the companies in the same industry.
PTSB has a worse Return On Equity (4.70%) than 74.73% of its industry peers.
Industry RankSector Rank
ROA 0.41%
ROE 4.7%
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 worse Profit Margin (16.64%) than 65.93% 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) 16.64%
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.
Compared to 1 year ago, PTSB has about the same amount of shares outstanding.
PTSB has a worse debt/assets ratio than last year.
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

PTSB has a debt to FCF ratio of 1.60. This is a very positive value and a sign of high solvency as it would only need 1.60 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.60, PTSB belongs to the top of the industry, outperforming 96.70% of the companies in the same industry.
PTSB has a Debt/Equity ratio of 0.76. This is a neutral value indicating PTSB is somewhat dependend on debt financing.
PTSB has a better Debt to Equity ratio (0.76) than 80.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 1.6
Altman-Z N/A
ROIC/WACCN/A
WACC3.28%
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

5

3. Growth

3.1 Past

PTSB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 376.42%, which is quite impressive.
Looking at the last year, PTSB shows a small growth in Revenue. The Revenue has grown by 0.42% 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)376.42%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%13.43%
Revenue 1Y (TTM)0.42%
Revenue growth 3Y22.39%
Revenue growth 5YN/A
Sales Q2Q%-2.61%

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 17.04% yearly.
The Revenue is expected to grow by 4.01% on average over the next years.
EPS Next Y-34.66%
EPS Next 2Y7.32%
EPS Next 3Y17.04%
EPS Next 5YN/A
Revenue Next Year-3.14%
Revenue Next 2Y2.09%
Revenue Next 3Y4.13%
Revenue Next 5Y4.01%

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.14, the valuation of PTSB can be described as very reasonable.
PTSB's Price/Earnings ratio is in line with the industry average.
PTSB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.48.
A Price/Forward Earnings ratio of 19.11 indicates a rather expensive valuation of PTSB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PTSB indicates a rather expensive valuation: PTSB more expensive than 81.32% of the companies listed in the same industry.
PTSB's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 34.04.
Industry RankSector Rank
PE 10.14
Fwd PE 19.11
PTSB.I Price Earnings VS Forward Price EarningsPTSB.I Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PTSB indicates a rather cheap valuation: PTSB is cheaper than 97.80% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.98
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 17.04% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y7.32%
EPS Next 3Y17.04%

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 (8/8/2025, 7:00:00 PM)

2.23

+0.07 (+3.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-31 2025-07-31
Earnings (Next)N/A N/A
Inst Owners5.91%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap1.22B
Analysts49.33
Price Target2.12 (-4.93%)
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)1.63%
PT rev (3m)2.71%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.54%
Revenue NY rev (3m)-0.53%
Valuation
Industry RankSector Rank
PE 10.14
Fwd PE 19.11
P/S 1.7
P/FCF 0.98
P/OCF 0.95
P/B 0.48
P/tB 0.52
EV/EBITDA N/A
EPS(TTM)0.22
EY9.87%
EPS(NY)0.12
Fwd EY5.23%
FCF(TTM)2.28
FCFY102.11%
OCF(TTM)2.35
OCFY105.48%
SpS1.31
BVpS4.65
TBVpS4.26
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.41%
ROE 4.7%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.64%
GM N/A
FCFM 173.57%
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-Score7
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 1.6
Debt/EBITDA N/A
Cap/Depr 45.05%
Cap/Sales 5.73%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 1042.86%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC3.28%
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)376.42%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%13.43%
EPS Next Y-34.66%
EPS Next 2Y7.32%
EPS Next 3Y17.04%
EPS Next 5YN/A
Revenue 1Y (TTM)0.42%
Revenue growth 3Y22.39%
Revenue growth 5YN/A
Sales Q2Q%-2.61%
Revenue Next Year-3.14%
Revenue Next 2Y2.09%
Revenue Next 3Y4.13%
Revenue Next 5Y4.01%
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-27.51%
FCF growth 3Y21.32%
FCF growth 5YN/A
OCF growth 1Y-27.69%
OCF growth 3Y21.26%
OCF growth 5YN/A