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

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

1.595  -0.01 (-0.31%)

Fundamental Rating

3

PTSB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. Both the profitability and financial health of PTSB have multiple concerns. 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.
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 Return On Assets of 0.41%. This is in the lower half of the industry: PTSB underperforms 75.26% of its industry peers.
PTSB has a worse Return On Equity (4.70%) than 72.16% 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 69.07% of its industry peers.
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) 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.
PTSB has about the same amout of shares outstanding than it did 1 year ago.
PTSB has a worse debt/assets ratio than last year.
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.
PTSB has a better Debt to FCF ratio (1.60) than 93.81% of its industry peers.
PTSB has a Debt/Equity ratio of 0.76. This is a neutral value indicating PTSB is somewhat dependend on debt financing.
PTSB has a better Debt to Equity ratio (0.76) than 81.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 1.6
Altman-Z N/A
ROIC/WACCN/A
WACC3.11%
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.
PTSB shows a small growth in Revenue. In the last year, the Revenue has grown by 0.42%.
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.
Based on estimates for the next years, PTSB will show a small growth in Revenue. The Revenue will grow by 4.76% on average per year.
EPS Next Y-34.66%
EPS Next 2Y7.32%
EPS Next 3Y17.04%
EPS Next 5YN/A
Revenue Next Year-2.62%
Revenue Next 2Y2.35%
Revenue Next 3Y3.87%
Revenue Next 5Y4.76%

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 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 7.25, the valuation of PTSB can be described as very cheap.
PTSB's Price/Earnings ratio is rather cheap when compared to the industry. PTSB is cheaper than 80.41% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.78. PTSB is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 13.67, which indicates a correct valuation of PTSB.
Based on the Price/Forward Earnings ratio, PTSB is valued a bit more expensive than 77.32% of the companies in the same industry.
PTSB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.32, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.25
Fwd PE 13.67
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 rather cheap valuation: PTSB is cheaper than 97.94% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.7
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 (4/25/2025, 7:00:00 PM)

1.595

-0.01 (-0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-04 2025-03-04/bmo
Earnings (Next)07-30 2025-07-30
Inst Owners6.72%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap869.27M
Analysts47.14
Price Target2.06 (29.15%)
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)5.41%
PT rev (3m)9.2%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.5%
EPS NY rev (3m)-27.02%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.75%
Revenue NY rev (3m)-0.69%
Valuation
Industry RankSector Rank
PE 7.25
Fwd PE 13.67
P/S 1.22
P/FCF 0.7
P/OCF 0.68
P/B 0.34
P/tB 0.37
EV/EBITDA N/A
EPS(TTM)0.22
EY13.79%
EPS(NY)0.12
Fwd EY7.32%
FCF(TTM)2.28
FCFY142.76%
OCF(TTM)2.35
OCFY147.48%
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
WACC3.11%
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-2.62%
Revenue Next 2Y2.35%
Revenue Next 3Y3.87%
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