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

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

1.55  +0.06 (+4.03%)

Fundamental Rating

3

Overall PTSB gets a fundamental rating of 3 out of 10. We evaluated PTSB against 99 industry peers in the Banks industry. PTSB may be in some trouble as it scores bad on both profitability and health. PTSB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year PTSB was profitable.
In the past year PTSB had a positive cash flow from operations.
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 0 1B 2B 3B

1.2 Ratios

PTSB has a worse Return On Assets (0.22%) than 86.02% of its industry peers.
PTSB's Return On Equity of 2.56% is on the low side compared to the rest of the industry. PTSB is outperformed by 84.95% of its industry peers.
Industry RankSector Rank
ROA 0.22%
ROE 2.56%
ROIC N/A
ROA(3y)0.24%
ROA(5y)N/A
ROE(3y)2.54%
ROE(5y)N/A
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 0 5 -5

1.3 Margins

Looking at the Profit Margin, with a value of 8.68%, PTSB is doing worse than 86.02% of the companies in the same industry.
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) 8.68%
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 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.
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 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 5B 10B 15B 20B 25B

2.2 Solvency

The Debt to FCF ratio of PTSB is 2.30, which is a good value as it means it would take PTSB, 2.30 years of fcf income to pay off all of its debts.
PTSB has a better Debt to FCF ratio (2.30) than 95.70% of its industry peers.
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 80.65% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 2.3
Altman-Z N/A
ROIC/WACCN/A
WACC3.13%
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 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 50M 100M 150M

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4

3. Growth

3.1 Past

PTSB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -78.29%.
Looking at the last year, PTSB shows a very negative growth in Revenue. The Revenue has decreased by -24.22% in the last year.
The Revenue has been growing by 21.19% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-78.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%954.79%
Revenue 1Y (TTM)-24.22%
Revenue growth 3Y21.19%
Revenue growth 5YN/A
Sales Q2Q%-2.04%

3.2 Future

PTSB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.86% yearly.
Based on estimates for the next years, PTSB will show a small growth in Revenue. The Revenue will grow by 2.43% on average per year.
EPS Next Y-7.21%
EPS Next 2Y-15.12%
EPS Next 3Y3.29%
EPS Next 5Y13.86%
Revenue Next Year-2.8%
Revenue Next 2Y-2.34%
Revenue Next 3Y0.88%
Revenue Next 5Y2.43%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.92 indicates a correct valuation of PTSB.
Compared to the rest of the industry, the Price/Earnings ratio of PTSB indicates a rather expensive valuation: PTSB more expensive than 83.87% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 29.35. PTSB is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 11.17, the valuation of PTSB can be described as reasonable.
Based on the Price/Forward Earnings ratio, PTSB is valued a bit more expensive than 66.67% of the companies in the same industry.
PTSB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.92
Fwd PE 11.17
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

97.85% of the companies in the same industry are more expensive than PTSB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.86
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-15.12%
EPS Next 3Y3.29%

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0

5. Dividend

5.1 Amount

PTSB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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PERMANENT TSB GROUP HOLDINGS

DUB:PTSB (3/7/2025, 7:00:00 PM)

1.55

+0.06 (+4.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-26 2025-02-26/amc
Earnings (Next)07-30 2025-07-30
Inst Owners6.72%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap844.75M
Analysts47.14
Price Target1.96 (26.45%)
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)0.87%
PT rev (3m)4.35%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)5.08%
EPS NY rev (3m)9.19%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.15%
Revenue NY rev (3m)-0.25%
Valuation
Industry RankSector Rank
PE 12.92
Fwd PE 11.17
P/S 1.16
P/FCF 0.86
P/OCF 0.82
P/B 0.34
P/tB 0.37
EV/EBITDA N/A
EPS(TTM)0.12
EY7.74%
EPS(NY)0.14
Fwd EY8.95%
FCF(TTM)1.79
FCFY115.77%
OCF(TTM)1.9
OCFY122.4%
SpS1.33
BVpS4.52
TBVpS4.15
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.22%
ROE 2.56%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 8.68%
GM N/A
FCFM 134.71%
ROA(3y)0.24%
ROA(5y)N/A
ROE(3y)2.54%
ROE(5y)N/A
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-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 2.3
Debt/EBITDA N/A
Cap/Depr 74.67%
Cap/Sales 7.71%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 1552.38%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC3.13%
ROIC/WACCN/A
Cap/Depr(3y)86.47%
Cap/Depr(5y)N/A
Cap/Sales(3y)7.42%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-78.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%954.79%
EPS Next Y-7.21%
EPS Next 2Y-15.12%
EPS Next 3Y3.29%
EPS Next 5Y13.86%
Revenue 1Y (TTM)-24.22%
Revenue growth 3Y21.19%
Revenue growth 5YN/A
Sales Q2Q%-2.04%
Revenue Next Year-2.8%
Revenue Next 2Y-2.34%
Revenue Next 3Y0.88%
Revenue Next 5Y2.43%
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-48.07%
FCF growth 3Y-9.33%
FCF growth 5YN/A
OCF growth 1Y-47.2%
OCF growth 3Y-8.98%
OCF growth 5YN/A