ILPMF (Permanent TSB Group Holdings) Cyclically Adjusted Revenue per Share: $1.42 (As of Dec. 2025)


ILPMF Permanent TSB Group Holdings PLC ILPMF
67 GF Score
Price $3.05
GF Value $2.02
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Permanent TSB Group Holdings Cyclically Adjusted Revenue per Share?

Permanent TSB Group Holdings ILPMF 67 Cyclically Adjusted Revenue per Share is $1.42 as of Dec. 2025. GuruFocus rates ILPMF with a GF Score™ of 67/100 and a GF Value™ of $2.02 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Permanent TSB Group Holdings's adjusted revenue per share data for the fiscal year that ended in Dec. 2025 was $1.407. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $1.42 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Permanent TSB Group Holdings's average Cyclically Adjusted Revenue Growth Rate was 2.70% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 4.10% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 5.90% 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 Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Permanent TSB Group Holdings was 7.70% per year. The lowest was -75.00% per year. And the median was 4.10% per year.

As of today (2026-07-05), Permanent TSB Group Holdings's current stock price is $ 3.05. Permanent TSB Group Holdings's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec. 2025 was $1.42. Permanent TSB Group Holdings's Cyclically Adjusted PS Ratio of today is 2.15.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Permanent TSB Group Holdings was 2.86. The lowest was 0.02. And the median was 1.52.


Permanent TSB Group Holdings  (OTCPK:ILPMF) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Permanent TSB Group Holdings's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=3.05/1.42
=2.15

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Permanent TSB Group Holdings was 2.86. The lowest was 0.02. And the median was 1.52.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Permanent TSB Group Holdings Cyclically Adjusted Revenue per Share Related Terms


Permanent TSB Group Holdings Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Permanent TSB Group Holdings's Cyclically Adjusted Revenue per Share can be seen below:

* 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 Cyclically Adjusted Revenue per Share Chart

Permanent TSB Group Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.10 1.08 1.29 1.40 1.42

Permanent TSB Group Holdings Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.29 0.00 1.40 0.00 1.42

ILPMF vs PNC, USB: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Permanent TSB Group Holdings's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Permanent TSB Group Holdings's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Permanent TSB Group Holdings's Cyclically Adjusted PS Ratio falls into.


ILPMF
67GF Score
Permanent TSB Group Holdings PLC ILPMF
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Permanent TSB Group Holdings Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Permanent TSB Group Holdings's adjusted Revenue per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_RevenuePerShare=Revenue per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=1.407/125.8201*125.8201
=1.407

Current CPI (Dec. 2025) = 125.8201.

Permanent TSB Group Holdings Annual Data

Revenue per Share CPI Adj_RevenuePerShare
201612 1.028 99.676 1.298
201712 1.153 100.075 1.450
201812 1.106 100.773 1.381
201912 1.009 102.068 1.244
202012 1.003 101.072 1.249
202112 0.897 106.653 1.058
202212 0.934 115.436 1.018
202312 1.335 120.749 1.391
202412 1.290 122.439 1.326
202512 1.407 125.820 1.407

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $1.42 mean?
Permanent TSB Group Holdings (ILPMF) has a Cyclically Adjusted Revenue per Share of $1.42 as of Dec. 2025. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Permanent TSB Group Holdings and its competitors.
Is Permanent TSB Group Holdings' Cyclically Adjusted Revenue per Share too high?
Permanent TSB Group Holdings' current Cyclically Adjusted Revenue per Share is $1.42. Overall, Permanent TSB Group Holdings has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Permanent TSB Group Holdings' Cyclically Adjusted Revenue per Share compare to PNC and USB?
Permanent TSB Group Holdings' Cyclically Adjusted Revenue per Share of $1.42 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Permanent TSB Group Holdings and its competitors. Permanent TSB Group Holdings's current Cyclically Adjusted Revenue per Share is $1.42. 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 Modestly Overvalued. The stock's GF Value™ is $2.02, compared to a current price of $3.05 — trading 51% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $1.42. Permanent TSB Group Holdings' overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Permanent TSB Group Holdings (ILPMF), the current Cyclically Adjusted Revenue per Share is $1.42 as of Dec. 2025. 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 $3.05 is trading 51% above its estimated GF Value™ of $2.02. GuruFocus considers Permanent TSB Group Holdings to be Modestly Overvalued.

Key valuation signals for ILPMF:

  • Cyclically Adjusted Revenue per Share: $1.42
  • GF Value™: $2.02 vs. price of $3.05 (51% above fair value)
  • GF Score™: 67/100 with 6 warning signs

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 Business Description

Address St. Stephen’s Green, No 56 - 59, Dublin, IRL, 2
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.
67GF Score

Get the complete analysis for ILPMF

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$3.05
Price
$2.02
GF Value