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During the past 12 months, Permanent TSB Group Holdings's average Book Value per Share Growth Rate was -1.20% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 1.20% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 2.30% per year.
During the past 10 years, the average Book Value per Share Growth Rate was -0.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Permanent TSB Group Holdings was 5.70% per year. The lowest was -78.50% per year. And the median was -4.75% per year.
Permanent TSB Group Holdings (OTCPK:ILPMF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Permanent TSB Group Holdings 3-Year Book Growth Rate Related Terms
ILPMF vs USB, PNC: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Permanent TSB Group Holdings's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Permanent TSB Group Holdings 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Permanent TSB Group Holdings's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Permanent TSB Group Holdings's 3-Year Book Growth Rate falls into.
Permanent TSB Group Holdings 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 1.20% mean?
Permanent TSB Group Holdings (ILPMF) has a 3-Year Book Growth Rate of 1.20% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Permanent TSB Group Holdings and its competitors. According to the industry distribution chart, Permanent TSB Group Holdings ranks #1320 out of 1487 companies in the Banks industry, placing it in the top 88.8%.
Is Permanent TSB Group Holdings' 3-Year Book Growth Rate too high?
Permanent TSB Group Holdings' current 3-Year Book Growth Rate is 1.20%. The Banks industry median 3-Year Book Growth Rate is 8.80. Permanent TSB Group Holdings' value of 1.20% is 86.4% below this industry median. Based on the distribution chart, Permanent TSB Group Holdings ranks #1320 out of 1487 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Permanent TSB Group Holdings has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does Permanent TSB Group Holdings' 3-Year Book Growth Rate compare to USB and PNC?
According to the Banks industry distribution chart, Permanent TSB Group Holdings ranks #1320 out of 1487 companies for 3-Year Book Growth Rate. This places Permanent TSB Group Holdings in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Permanent TSB Group Holdings' value of 1.20% is 86.4% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Permanent TSB Group Holdings's current 3-Year Book Growth Rate of 1.20% is 86.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Permanent TSB Group Holdings and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Permanent TSB Group Holdings's current 3-Year Book Growth Rate is 1.20%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Permanent TSB Group Holdings stock overvalued right now?
Permanent TSB Group Holdings (ILPMF) has a current 3-Year Book Growth Rate of 1.20%. The stock's GF Value™ is $2.06, compared to a current price of $3.36 — trading 63.1% above its estimated fair value. The current 3-Year Book Growth Rate is 1.20% and 86.4% below the Banks industry median of 8.80. Permanent TSB Group Holdings' overall GF Score™ is 28/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Permanent TSB Group Holdings (ILPMF), the current 3-Year Book Growth Rate is 1.20% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Permanent TSB Group Holdings (ILPMF) Overvalued in 2026?
Based on GuruFocus' analysis, Permanent TSB Group Holdings stock appears to be overvalued.
The current stock price of $3.36 is trading 63.1% above its estimated GF Value™ of $2.06.
Key valuation signals for ILPMF:
3-Year Book Growth Rate: 1.20%
GF Value™: $2.06 vs. price of $3.36 (63.1% above fair value)
Industry Position: 86.4% below the Banks median (#1320 of 1487)
No single metric tells the full story. See the ILPMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Permanent TSB Group Holdings PLC is a holding company. Along with its subsidiaries, it operates as a full-service Retail and SME bank in Ireland. The company serves individual customers and small- to medium-sized enterprises through a multi-channel distribution model. Such channels include Branch Network, Brokers, Direct, Digital, and SME. It provides mainstream transactional banking, lending, saving, and deposit-taking services. The company generates the majority of its revenue from interest income, mainly from mortgage products.
28GF Score
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