Business Description
Permanent TSB Group Holdings PLC
SIC : 6021
ISIN : IE00BWB8X525
Share Class Description:
LSE:PTSB: Ordinary SharesTotal Employee Number:
3,025Compare
Compare
Traded in other countries / regions
PTSB.IrelandPTSB.UKILPMF.USAIL0A.Germany IPO Date
2015-05-05Description
Permanent TSB Group Holdings PLC is an Irish retail and small- to medium-sized enterprise bank operating through its principal subsidiary, Permanent TSB. The group provides current accounts, mortgages, personal and SME lending, savings and deposit products, credit cards, and insurance offerings to individual customers and businesses across Ireland. It distributes through a multi-channel model comprising a branch network, mortgage brokers, direct telephone and online channels, digital banking, and dedicated SME relationship management. Mortgage lending, particularly owner-occupier and buy-to-let home loans, represents the largest share of its loan book, while deposit-taking funds a significant portion of its balance sheet. The bank generates most of its revenue from net interest income, supplemented by fee and commission income from banking services and insurance distribution. It operates primarily in the Irish market and is one of the country's main retail banks, with a presence in both the Republic of Ireland and Northern Ireland.
Financial Strength
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.04 | |||||
Equity-to-Asset | 0.08 | |||||
Debt-to-Equity | 0.8 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 5/9 | |||||
Beneish M-Score | -2.57 | |||||
WACC vs ROIC | ||||||
Growth Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 10.9 | |||||
3-Year FCF Growth Rate | -46.3 | |||||
3-Year Book Growth Rate | 1.2 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 22.34 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 8.33 |
Momentum Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 73.95 | |||||
9-Day RSI | 64.85 | |||||
14-Day RSI | 59.78 | |||||
3-1 Month Momentum % | -5.65 | |||||
6-1 Month Momentum % | -5.95 | |||||
12-1 Month Momentum % | 28.85 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 0.62 | |||||
Dividend Payout Ratio | 0.08 | |||||
Forward Dividend Yield % | 0.62 | |||||
5-Year Yield-on-Cost % | 0.62 | |||||
Shareholder Yield % | -2.61 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 20.83 | |||||
FCF Margin % | 46.5 | |||||
OCF Margin % | 47.87 | |||||
ROE % | 5.64 | |||||
ROA % | 0.46 | |||||
Years of Profitability over Past 10-Year | 7 | |||||
Moat Score | 4 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 15.49 | |||||
Forward PE Ratio | 10.39 | |||||
PE Ratio without NRI | 12.54 | |||||
Price-to-Owner-Earnings | 4.06 | |||||
PEG Ratio | 5.45 | |||||
PS Ratio | 2.34 | |||||
PB Ratio | 0.63 | |||||
Price-to-Tangible-Book | 0.71 | |||||
EV-to-Revenue | 5.23 | |||||
EV-to-Forward-Revenue | 5.19 | |||||
EV-to-FCF | -30.9 | |||||
Price-to-GF-Value | 1.58 | |||||
Price-to-Projected-FCF | 0.09 | |||||
Price-to-Median-PS-Value | 1.31 | |||||
Price-to-Graham-Number | 0.63 | |||||
FCF Yield % | -7.02 | |||||
Forward Rate of Return (Yacktman) % | 116 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Dividend
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Annualized Return % Â
Total Annual Return % Â
Permanent TSB Group Holdings PLC Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 729 | ||
| EPS (TTM) (€) | 0.187 | ||
| Beta | 0.5556 | ||
| 3-Year Sharpe Ratio | 0.31 | ||
| 3-Year Sortino Ratio | 0.54 | ||
| Volatility % | 31.16 | ||
| 14-Day RSI | 59.78 | ||
| 14-Day ATR (€) | 0.343947 | ||
| 20-Day SMA (€) | 2.95475 | ||
| 12-1 Month Momentum % | 28.85 | ||
| 52-Week Range (€) | 2.1 - 3.34 | ||
| Shares Outstanding (Mil) | 544.99 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 5 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Permanent TSB Group Holdings PLC Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Permanent TSB Group Holdings PLC Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| Fourth quarter earnings conference call for 2026 | 2027-03-05 09:00 | In 165 days | ||
| Annual report for 2026 | 2027-03-05 | In 164 days | ||
| Fourth quarter earnings results for 2026 | 2027-03-05 | In 164 days | ||
| Second quarter earnings results for 2026 | 2026-07-29 | -- | ||
| General meeting for 2026 | 2026-05-08 10:00 | 2.91 (+0.00%) | ||
| EUR 0.018350 Cash Dividend | 2026-04-09 | 2.93 (+0.00%) | ||
| Fourth quarter earnings conference call for 2025 | 2026-03-05 09:00 | -- | ||
| Annual report for 2025 | 2026-03-05 | -- | ||
| Fourth quarter earnings results for 2025 | 2026-03-05 | -- | ||
| Approval of IRB mortgage models | 2026-01-21 10:00 | -- |
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Permanent TSB Group Holdings PLC Frequently Asked Questions
What is Permanent TSB Group Holdings PLC(LSE:PTSB)'s stock price today?
The current price of LSE:PTSB is €3.03. The 52 week high of LSE:PTSB is €3.34 and 52 week low is €2.10.
When is next earnings date of Permanent TSB Group Holdings PLC(LSE:PTSB)?
The next earnings date of Permanent TSB Group Holdings PLC(LSE:PTSB) is 2027-03-05 Est..
Does Permanent TSB Group Holdings PLC(LSE:PTSB) pay dividends? If so, how much?
The Dividend Yield %  of Permanent TSB Group Holdings PLC(LSE:PTSB) is 0.62% (As of Today), Highest Dividend Payout Ratio of Permanent TSB Group Holdings PLC(LSE:PTSB) was 0.08. The lowest was 0. And the median was 0. The  Forward Dividend Yield % of Permanent TSB Group Holdings PLC(LSE:PTSB) is 0.62%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
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