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

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

1.79  +0.02 (+1.13%)

Fundamental Rating

3

Overall PTSB gets a fundamental rating of 3 out of 10. We evaluated PTSB against 94 industry peers in the Banks industry. PTSB may be in some trouble as it scores bad on both profitability and health. PTSB is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

PTSB had positive earnings in the past year.
PTSB had a positive operating cash flow in the past year.
In multiple years PTSB reported negative net income over the last 5 years.
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 0 1B 2B 3B

1.2 Ratios

PTSB's Return On Assets of 0.41% is on the low side compared to the rest of the industry. PTSB is outperformed by 75.53% of its industry peers.
The Return On Equity of PTSB (4.70%) is worse than 74.47% 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's Profit Margin of 16.64% is on the low side compared to the rest of the industry. PTSB is outperformed by 69.15% 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

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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.
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

The Debt to FCF ratio of PTSB is 1.60, which is an excellent value as it means it would take PTSB, only 1.60 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 1.60, PTSB belongs to the best of the industry, outperforming 97.87% 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's Debt to Equity ratio of 0.76 is amongst the best of the industry. PTSB outperforms 81.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 1.6
Altman-Z N/A
ROIC/WACCN/A
WACC3.21%
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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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 376.42% over the past year.
The Revenue has been growing slightly by 0.42% 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)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

The Earnings Per Share is expected to grow by 17.04% on average over the next years. This is quite good.
PTSB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.76% yearly.
EPS Next Y-34.66%
EPS Next 2Y7.32%
EPS Next 3Y17.04%
EPS Next 5YN/A
Revenue Next Year-2.61%
Revenue Next 2Y2.1%
Revenue Next 3Y3.81%
Revenue Next 5Y4.76%

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

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.14, the valuation of PTSB can be described as reasonable.
73.40% of the companies in the same industry are more expensive than PTSB, based on the Price/Earnings ratio.
PTSB is valuated cheaply when we compare the Price/Earnings ratio to 26.52, which is the current average of the S&P500 Index.
PTSB is valuated correctly with a Price/Forward Earnings ratio of 15.34.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PTSB indicates a slightly more expensive valuation: PTSB is more expensive than 77.66% 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 22.25.
Industry RankSector Rank
PE 8.14
Fwd PE 15.34
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 97.87% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.79
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%

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0

5. Dividend

5.1 Amount

No dividends for PTSB!.
Industry RankSector Rank
Dividend Yield N/A

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PERMANENT TSB GROUP HOLDINGS

DUB:PTSB (6/6/2025, 7:00:00 PM)

1.79

+0.02 (+1.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30
Earnings (Next)07-30 2025-07-30
Inst Owners6.72%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap975.55M
Analysts47.14
Price Target2 (11.73%)
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)-3.07%
PT rev (3m)2.17%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-15.86%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)-0.75%
Valuation
Industry RankSector Rank
PE 8.14
Fwd PE 15.34
P/S 1.36
P/FCF 0.79
P/OCF 0.76
P/B 0.39
P/tB 0.42
EV/EBITDA N/A
EPS(TTM)0.22
EY12.29%
EPS(NY)0.12
Fwd EY6.52%
FCF(TTM)2.28
FCFY127.21%
OCF(TTM)2.35
OCFY131.41%
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
WACC3.21%
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-2.61%
Revenue Next 2Y2.1%
Revenue Next 3Y3.81%
Revenue Next 5Y4.76%
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