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

DUB:PTSB • IE00BWB8X525

3.13 EUR
-0.02 (-0.63%)
Last: Feb 11, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall PTSB gets a fundamental rating of 3 out of 10. We evaluated PTSB against 114 industry peers in the Banks industry. PTSB may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, PTSB is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • PTSB had positive earnings in the past year.
  • In the past year PTSB had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: PTSB reported negative net income in multiple 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 has a worse Return On Assets (0.24%) than 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

  • The Profit Margin of PTSB (10.13%) is worse than 90.35% 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

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

  • 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.
  • Looking at the Debt to FCF ratio, with a value of 15.12, PTSB is in the better half of the industry, outperforming 71.93% of the companies in the same industry.
  • A Debt/Equity ratio of 0.77 indicates that PTSB is somewhat dependend on debt financing.
  • PTSB's Debt to Equity ratio of 0.77 is amongst the best of 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
WACC4.09%
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

  • 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.
  • PTSB shows a decrease in Revenue. In the last year, the revenue decreased by -3.44%.
  • Measured over the past years, PTSB shows a very strong growth in Revenue. The Revenue has been growing by 22.39% on average per year.
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.
  • The Revenue is expected to grow by 5.53% on average over the next years.
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

  • 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. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 24.08 indicates a rather expensive valuation of PTSB.
  • Based on the Price/Earnings ratio, PTSB is valued more expensive than 94.74% of the companies in the same industry.
  • PTSB is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.18, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 14.70, PTSB is valued correctly.
  • 79.82% of the companies in the same industry are cheaper than PTSB, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, PTSB is valued a bit cheaper.
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PTSB indicates a somewhat cheap valuation: PTSB is cheaper than 69.30% of the companies listed in the same industry.
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

  • PTSB's earnings are expected to grow with 17.94% in the coming years. This may justify a more expensive valuation.
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

  • 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

PERMANENT TSB GROUP HOLDINGS

DUB:PTSB (2/11/2026, 7:00:00 PM)

3.13

-0.02 (-0.63%)

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
WACC4.09%
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.