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

DUB:PTSB • IE00BWB8X525

3.12 EUR
+0.05 (+1.63%)
Last: Mar 10, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

3

PTSB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 116 industry peers in the Banks industry. Both the profitability and financial health of PTSB have multiple concerns. While showing a medium growth rate, PTSB is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

2

1. PTSB.I Profitability Analysis

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

  • PTSB has a worse Return On Assets (0.24%) than 93.97% of its industry peers.
  • PTSB has a worse Return On Equity (2.81%) than 85.34% of its industry peers.
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

  • The Profit Margin of PTSB (10.13%) is worse than 93.10% 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) 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
  • Compared to 1 year ago, PTSB has about the same amount of shares outstanding.
  • Compared to 1 year ago, PTSB has a worse debt to assets ratio.
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 15.12, which is on the high side as it means it would take PTSB, 15.12 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of PTSB (15.12) is better than 70.69% of its industry peers.
  • A Debt/Equity ratio of 0.77 indicates that PTSB is somewhat dependend on debt financing.
  • The Debt to Equity ratio of PTSB (0.77) is better than 77.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 15.12
Altman-Z N/A
ROIC/WACCN/A
WACC3.93%
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. PTSB.I Growth Analysis

3.1 Past

  • PTSB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.73%, which is quite good.
  • Looking at the last year, PTSB shows a decrease in Revenue. The Revenue has decreased by -3.44% 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)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

  • Based on estimates for the next years, PTSB will show a very strong growth in Earnings Per Share. The EPS will grow by 20.85% on average per year.
  • 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-33.12%
EPS Next 2Y8.42%
EPS Next 3Y17.35%
EPS Next 5Y20.85%
Revenue Next Year-2.71%
Revenue Next 2Y1.96%
Revenue Next 3Y4.12%
Revenue Next 5Y5.53%

3.3 Evolution

  • 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

More info and screens

Find the best growth stocksShow best growing peers

2

4. PTSB.I Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 24.00, the valuation of PTSB can be described as rather expensive.
  • 96.55% of the companies in the same industry are cheaper than PTSB, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of PTSB to the average of the S&P500 Index (26.25), we can say PTSB is valued inline with the index average.
  • Based on the Price/Forward Earnings ratio of 14.86, the valuation of PTSB can be described as correct.
  • 81.90% of the companies in the same industry are cheaper than PTSB, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 24.39. PTSB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 24
Fwd PE 14.86
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 66.38% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 13.08
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

  • PTSB's earnings are expected to grow with 17.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y8.42%
EPS Next 3Y17.35%

More info and screens

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

0

5. PTSB.I Dividend Analysis

5.1 Amount

  • PTSB does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PTSB.I Fundamentals: All Metrics, Ratios and Statistics

PERMANENT TSB GROUP HOLDINGS

DUB:PTSB (3/10/2026, 7:00:00 PM)

3.12

+0.05 (+1.63%)

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 Cap1.70B
Revenue(TTM)701.00M
Net Income(TTM)71.00M
Analysts72.31
Price Target3.07 (-1.6%)
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)0.55%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.24%
EPS NY rev (3m)0%
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 24
Fwd PE 14.86
P/S 2.43
P/FCF 13.08
P/OCF 10.24
P/B 0.67
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)0.13
EY4.17%
EPS(NY)0.21
Fwd EY6.73%
FCF(TTM)0.24
FCFY7.65%
OCF(TTM)0.3
OCFY9.76%
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
WACC3.93%
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-33.12%
EPS Next 2Y8.42%
EPS Next 3Y17.35%
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 -33.12% in the next year.