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

DUB:PTSB • IE00BWB8X525

Current stock price

2.89 EUR
+0.01 (+0.35%)
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

  • In the past year PTSB was profitable.
  • In the past year PTSB had a positive cash flow from operations.
  • PTSB had positive earnings in 4 of the past 5 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 2025 0 1B 2B 3B

1.2 Ratios

  • PTSB's Return On Assets of 0.23% is on the low side compared to the rest of the industry. PTSB is outperformed by 93.64% of its industry peers.
  • Looking at the Return On Equity, with a value of 2.86%, PTSB is doing worse than 83.64% of the companies in the same industry.
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's Profit Margin of 10.13% is on the low side compared to the rest of the industry. PTSB is outperformed by 92.73% of its industry peers.
  • PTSB's Profit Margin has declined in the last couple of years.
  • 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • The number of shares outstanding for PTSB remains at a similar level compared to 1 year ago.
  • PTSB has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, PTSB has an improved debt to assets ratio.
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

  • PTSB has a debt to FCF ratio of 3.54. This is a good value and a sign of high solvency as PTSB would need 3.54 years to pay back of all of its debts.
  • PTSB has a better Debt to FCF ratio (3.54) than 90.00% of its industry peers.
  • A Debt/Equity ratio of 0.82 indicates that PTSB is somewhat dependend on debt financing.
  • PTSB has a Debt to Equity ratio of 0.82. This is in the better half of the industry: PTSB outperforms 75.45% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.82
Debt/FCF 3.54
Altman-Z N/A
ROIC/WACCN/A
WACC4.06%
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

More info and screens

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.
  • Looking at the last year, PTSB shows a decrease in Revenue. The Revenue has decreased by -1.96% in the last year.
  • 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

  • The Earnings Per Share is expected to grow by 48.89% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 8.99% on average over the next years. This is quite good.
EPS Next Y88.38%
EPS Next 2Y58.69%
EPS Next 3Y48.89%
EPS Next 5YN/A
Revenue Next Year6.63%
Revenue Next 2Y7.74%
Revenue Next 3Y8.99%
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.
  • 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

5

4. PTSB.I Valuation Analysis

4.1 Price/Earnings Ratio

  • PTSB is valuated rather expensively with a Price/Earnings ratio of 22.23.
  • PTSB's Price/Earnings ratio is rather expensive when compared to the industry. PTSB is more expensive than 94.55% of the companies in the same industry.
  • PTSB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.87.
  • With a Price/Forward Earnings ratio of 12.84, PTSB is valued correctly.
  • Based on the Price/Forward Earnings ratio, PTSB is valued a bit more expensive than the industry average as 76.36% of the companies are valued more cheaply.
  • PTSB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.51.
Industry RankSector Rank
PE 22.23
Fwd PE 12.84
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 88.18% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.66
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 48.89% in the coming years.
PEG (NY)0.25
PEG (5Y)N/A
EPS Next 2Y58.69%
EPS Next 3Y48.89%

More info and screens

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%

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 (4/17/2026, 7:00:00 PM)

2.89

+0.01 (+0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-05
Earnings (Next)07-29
Inst Owners22.24%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap1.58B
Revenue(TTM)701.00M
Net Income(TTM)71.00M
Analysts73.33
Price Target3.15 (9%)
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)7.19%
EPS NY rev (3m)5.73%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)-0.2%
Valuation
Industry RankSector Rank
PE 22.23
Fwd PE 12.84
P/S 2.25
P/FCF 2.66
P/OCF 2.49
P/B 0.63
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)0.13
EY4.5%
EPS(NY)0.23
Fwd EY7.79%
FCF(TTM)1.09
FCFY37.65%
OCF(TTM)1.16
OCFY40.19%
SpS1.29
BVpS4.55
TBVpS4.07
PEG (NY)0.25
PEG (5Y)N/A
Graham Number3.64904 (26.26%)
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
WACC4.06%
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 Y88.38%
EPS Next 2Y58.69%
EPS Next 3Y48.89%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.96%
Revenue growth 3Y-4.62%
Revenue growth 5Y11.87%
Sales Q2Q%6.55%
Revenue Next Year6.63%
Revenue Next 2Y7.74%
Revenue Next 3Y8.99%
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 22.23 and the Price/Book (PB) ratio is 0.63.


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 88.38% in the next year.