PERMANENT TSB GROUP HOLDINGS (PTSB.I) Fundamental Analysis & Valuation

DUB:PTSB • IE00BWB8X525

Current stock price

2.93 EUR
-0.04 (-1.35%)
Last:

This PTSB.I fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. PTSB.I Profitability Analysis

1.1 Basic Checks

  • PTSB had positive earnings in the past year.
  • PTSB had a positive operating cash flow in the past year.
  • Of the past 5 years PTSB 4 years were profitable.
  • PTSB had a positive operating cash flow in each of the past 5 years.
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 2025 0 1B 2B 3B

1.2 Ratios

  • PTSB has a Return On Assets of 0.23%. This is amonst the worse of the industry: PTSB underperforms 92.79% of its industry peers.
  • With a Return On Equity value of 2.86%, PTSB is not doing good in the industry: 82.88% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.23%
ROE 2.86%
ROIC N/A
ROA(3y)0.24%
ROA(5y)0.27%
ROE(3y)2.87%
ROE(5y)3.04%
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 2025 0 5 -5

1.3 Margins

  • PTSB has a worse Profit Margin (10.13%) than 91.89% of its industry peers.
  • In the last couple of years the Profit Margin of PTSB has declined.
  • 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 3Y-27.3%
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 2025 0 20 -20 -40

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3

2. PTSB.I Health Analysis

2.1 Basic Checks

  • PTSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • PTSB has about the same amout of shares outstanding than it did 1 year ago.
  • PTSB has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for PTSB has been reduced compared to a year ago.
PTSB.I Yearly Shares OutstandingPTSB.I Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 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 2025 10B 20B 30B

2.2 Solvency

  • The Debt to FCF ratio of PTSB is 3.54, which is a good value as it means it would take PTSB, 3.54 years of fcf income to pay off all of its debts.
  • PTSB has a better Debt to FCF ratio (3.54) than 91.89% of its industry peers.
  • A Debt/Equity ratio of 0.82 indicates that PTSB is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.82, PTSB is in the better half of the industry, outperforming 73.87% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.82
Debt/FCF 3.54
Altman-Z N/A
ROIC/WACCN/A
WACC3.86%
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 2025 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 2025 50M 100M 150M

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

5

3. PTSB.I Growth Analysis

3.1 Past

  • The earnings per share for PTSB have decreased strongly by -40.28% in the last year.
  • PTSB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -34.08% yearly.
  • PTSB shows a decrease in Revenue. In the last year, the revenue decreased by -1.96%.
  • PTSB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.87% yearly.
EPS 1Y (TTM)-40.28%
EPS 3Y-34.08%
EPS 5YN/A
EPS Q2Q%0.07%
Revenue 1Y (TTM)-1.96%
Revenue growth 3Y-4.62%
Revenue growth 5Y11.87%
Sales Q2Q%6.55%

3.2 Future

  • PTSB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 47.20% yearly.
  • PTSB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.43% yearly.
EPS Next Y75.74%
EPS Next 2Y55.43%
EPS Next 3Y47.2%
EPS Next 5YN/A
Revenue Next Year6.84%
Revenue Next 2Y7.71%
Revenue Next 3Y8.43%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 0.2 -0.2 -0.4 -0.6

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5

4. PTSB.I Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 22.54, which indicates a rather expensive current valuation of PTSB.
  • Based on the Price/Earnings ratio, PTSB is valued expensively inside the industry as 94.59% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 25.60. PTSB is around the same levels.
  • Based on the Price/Forward Earnings ratio of 13.95, the valuation of PTSB can be described as correct.
  • Based on the Price/Forward Earnings ratio, PTSB is valued a bit more expensive than 78.38% of the companies in the same industry.
  • PTSB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 22.54
Fwd PE 13.95
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 cheaply inside the industry as 85.59% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.69
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as PTSB's earnings are expected to grow with 47.20% in the coming years.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y55.43%
EPS Next 3Y47.2%

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

0

5. PTSB.I Dividend Analysis

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

PTSB.I Fundamentals: All Metrics, Ratios and Statistics

PERMANENT TSB GROUP HOLDINGS

DUB:PTSB (4/2/2026, 7:00:00 PM)

2.93

-0.04 (-1.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-05
Earnings (Next)07-29
Inst Owners22.25%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap1.60B
Revenue(TTM)701.00M
Net Income(TTM)71.00M
Analysts73.33
Price Target3.15 (7.51%)
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)2.49%
PT rev (3m)2.49%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.37%
EPS NY rev (3m)-1.37%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 22.54
Fwd PE 13.95
P/S 2.28
P/FCF 2.69
P/OCF 2.52
P/B 0.64
P/tB 0.72
EV/EBITDA N/A
EPS(TTM)0.13
EY4.44%
EPS(NY)0.21
Fwd EY7.17%
FCF(TTM)1.09
FCFY37.14%
OCF(TTM)1.16
OCFY39.64%
SpS1.29
BVpS4.55
TBVpS4.07
PEG (NY)0.3
PEG (5Y)N/A
Graham Number3.65
Profitability
Industry RankSector Rank
ROA 0.23%
ROE 2.86%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.13%
GM N/A
FCFM 84.59%
ROA(3y)0.24%
ROA(5y)0.27%
ROE(3y)2.87%
ROE(5y)3.04%
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 3Y-27.3%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.82
Debt/FCF 3.54
Debt/EBITDA N/A
Cap/Depr 47.62%
Cap/Sales 5.71%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 835.21%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC3.86%
ROIC/WACCN/A
Cap/Depr(3y)61.24%
Cap/Depr(5y)70.42%
Cap/Sales(3y)6.67%
Cap/Sales(5y)6.74%
Profit Quality(3y)2908.69%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-40.28%
EPS 3Y-34.08%
EPS 5YN/A
EPS Q2Q%0.07%
EPS Next Y75.74%
EPS Next 2Y55.43%
EPS Next 3Y47.2%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.96%
Revenue growth 3Y-4.62%
Revenue growth 5Y11.87%
Sales Q2Q%6.55%
Revenue Next Year6.84%
Revenue Next 2Y7.71%
Revenue Next 3Y8.43%
Revenue Next 5YN/A
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-52.22%
FCF growth 3Y-43.55%
FCF growth 5Y-23.73%
OCF growth 1Y-50.62%
OCF growth 3Y-42.66%
OCF growth 5Y-23.08%

PERMANENT TSB GROUP HOLDINGS / PTSB.I Fundamental Analysis 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 5 / 10 to PERMANENT TSB GROUP HOLDINGS (PTSB.I). This can be considered as Fairly Valued.


Can you provide the profitability details for PERMANENT TSB GROUP HOLDINGS?

PERMANENT TSB GROUP HOLDINGS (PTSB.I) has a profitability rating of 2 / 10.


What are the PE and PB ratios of PERMANENT TSB GROUP HOLDINGS (PTSB.I) stock?

The Price/Earnings (PE) ratio for PERMANENT TSB GROUP HOLDINGS (PTSB.I) is 22.54 and the Price/Book (PB) ratio is 0.64.


What is the expected EPS growth for PERMANENT TSB GROUP HOLDINGS (PTSB.I) stock?

The Earnings per Share (EPS) of PERMANENT TSB GROUP HOLDINGS (PTSB.I) is expected to grow by 75.74% in the next year.