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

Europe • Euronext Dublin • DUB:PTSB • IE00BWB8X525

3.13 EUR
+0.03 (+0.97%)
Last: Feb 9, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

PTSB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. PTSB has a bad profitability rating. Also its financial health evaluation is rather negative. PTSB is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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.
  • In multiple years PTSB reported negative net income over the last 5 years.
  • Each year in the past 5 years PTSB had a positive operating cash flow.
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

  • PTSB's Return On Assets of 0.24% is on the low side compared to the rest of the industry. PTSB is outperformed by 92.11% of its industry peers.
  • Looking at the Return On Equity, with a value of 2.81%, PTSB is doing worse than 84.21% of the companies in the same industry.
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

  • With a Profit Margin value of 10.13%, PTSB is not doing good in the industry: 90.35% of the companies in the same industry are doing better.
  • PTSB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
  • The debt/assets ratio for PTSB is higher compared to a year ago.
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 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.
  • PTSB has a Debt to FCF ratio of 15.12. This is in the better half of the industry: PTSB outperforms 71.93% 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 Debt to Equity ratio of 0.77. This is amongst the best in the industry. PTSB outperforms 81.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 15.12
Altman-Z N/A
ROIC/WACCN/A
WACC4.08%
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

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • 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 a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.85% yearly.
  • PTSB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.53% yearly.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 0.2 -0.2 -0.4 -0.6

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 24.08, the valuation of PTSB can be described as rather expensive.
  • Based on the Price/Earnings ratio, PTSB is valued expensively inside the industry as 94.74% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 28.06. PTSB is around the same levels.
  • With a Price/Forward Earnings ratio of 14.70, PTSB is valued correctly.
  • Based on the Price/Forward Earnings ratio, PTSB is valued a bit more expensive than the industry average as 78.95% of the companies are valued more cheaply.
  • PTSB's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.86.
Industry RankSector Rank
PE 24.08
Fwd PE 14.7
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

  • Based on the Price/Free Cash Flow ratio, PTSB is valued a bit cheaper than the industry average as 69.30% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 13.12
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 17.94% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.16%
EPS Next 3Y17.94%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for PTSB!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PERMANENT TSB GROUP HOLDINGS

DUB:PTSB (2/9/2026, 7:00:00 PM)

3.13

+0.03 (+0.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A
Earnings (Next)03-05
Inst Owners21.14%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap1.71B
Revenue(TTM)701.00M
Net Income(TTM)71.00M
Analysts72.31
Price Target3.07 (-1.92%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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%
PT rev (3m)27.59%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-2.65%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.23%
Valuation
Industry RankSector Rank
PE 24.08
Fwd PE 14.7
P/S 2.43
P/FCF 13.12
P/OCF 10.28
P/B 0.68
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)0.13
EY4.15%
EPS(NY)0.21
Fwd EY6.8%
FCF(TTM)0.24
FCFY7.62%
OCF(TTM)0.3
OCFY9.73%
SpS1.29
BVpS4.63
TBVpS4.21
PEG (NY)N/A
PEG (5Y)N/A
Graham Number3.68
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
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 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
WACC4.08%
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 2 / 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.