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What is Permanent TSB Group Holdings Cash-to-Debt?
Permanent TSB Group HoldingsILPMF 60 Cash-to-Debt is 0.04 as of Jun. 2026, which is 96% below its 10-year median of 1.06. GuruFocus rates ILPMF with a GF Score™ of 60/100 and a GF Value™ of $2.02 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,492 Banks companies, Permanent TSB Group Holdings ranks worse than 97.12% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Permanent TSB Group Holdings's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.04.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Permanent TSB Group Holdingscouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Permanent TSB Group Holdings's Cash-to-Debt or its related term are showing as below:
ILPMF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04 Med: 1.06 Max: 4.99
Current: 0.04
During the past 13 years, Permanent TSB Group Holdings's highest Cash to Debt Ratio was 4.99. The lowest was 0.04. And the median was 1.06.
ILPMF's Cash-to-Debt is ranked worse than 97.12% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs ILPMF: 0.04
Permanent TSB Group Holdings (OTCPK:ILPMF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Permanent TSB Group Holdings Cash-to-Debt Related Terms
Permanent TSB Group Holdings Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Permanent TSB Group Holdings's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Permanent TSB Group Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Permanent TSB Group Holdings's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Permanent TSB Group Holdings (ILPMF) has a Cash-to-Debt of 0.04 as of Jun. 2026. This is 96% below median its historical median of 1.06. Over the past decade, Permanent TSB Group Holdings' Cash-to-Debt has ranged from 0.04 to 4.99. According to the industry distribution chart, Permanent TSB Group Holdings ranks #1449 out of 1492 companies in the Banks industry, placing it in the top 97.1%.
Is Permanent TSB Group Holdings' Cash-to-Debt too high?
Permanent TSB Group Holdings' current Cash-to-Debt of 0.04 is 96% below median its 10-year median of 1.06. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 4.99. The Banks industry median Cash-to-Debt is 1.37. Permanent TSB Group Holdings' value of 0.04 is 97.1% below this industry median. Based on the distribution chart, Permanent TSB Group Holdings ranks #1449 out of 1492 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Permanent TSB Group Holdings has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Permanent TSB Group Holdings' Cash-to-Debt compare to USB and PNC?
According to the Banks industry distribution chart, Permanent TSB Group Holdings ranks #1449 out of 1492 companies for Cash-to-Debt. This places Permanent TSB Group Holdings in the lower half of its industry. The industry median Cash-to-Debt is 1.37. Permanent TSB Group Holdings' value of 0.04 is 97.1% below this benchmark. Historically, Permanent TSB Group Holdings' own Cash-to-Debt has ranged from 0.04 to 4.99 over the past decade. While the company's 10-year median is 1.06 vs. the industry median of 1.37, Permanent TSB Group Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Permanent TSB Group Holdings's current Cash-to-Debt of 0.04 is 97.1% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Permanent TSB Group Holdings's current Cash-to-Debt is 0.04, which is 96% below median its own 10-year median of 1.06. 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?
Based on GuruFocus' analysis, Permanent TSB Group Holdings (ILPMF) is currently considered Significantly Overvalued. The stock's GF Value™ is $2.02, compared to a current price of $3.36 — trading 66.3% above its estimated fair value. The current Cash-to-Debt is 0.04, which is 96% below median its 10-year median of 1.06 and 97.1% below the Banks industry median of 1.37. Permanent TSB Group Holdings' overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Permanent TSB Group Holdings (ILPMF), the current Cash-to-Debt is 0.04 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 66.3% above its estimated GF Value™ of $2.02.
GuruFocus considers Permanent TSB Group Holdings to be Significantly Overvalued.
Key valuation signals for ILPMF:
Cash-to-Debt: 0.04 (96% below median its 10-year median of 1.06)
GF Value™: $2.02 vs. price of $3.36 (66.3% above fair value)
Industry Position: 97.1% below the Banks median (#1449 of 1492)
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.
60GF Score
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