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Permanent TSB Group HoldingsILPMF 65 Equity-to-Asset is 0.08 as of Jun. 2026, which is 11% below its 10-year median of 0.09. GuruFocus rates ILPMF with a GF Score™ of 65/100 and a GF Value™ of $2.00 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,524 Banks companies, Permanent TSB Group Holdings ranks worse than 66.47% on this metric.
Permanent TSB Group Holdings (OTCPK:ILPMF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Permanent TSB Group Holdings Equity-to-Asset Related Terms
Permanent TSB Group Holdings Equity-to-Asset 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.
Permanent TSB Group Holdings Equity-to-Asset Chart
For the Banks - Regional subindustry, Permanent TSB Group Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Permanent TSB Group Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Permanent TSB Group Holdings's Equity-to-Asset falls into.
Permanent TSB Group Holdings Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Permanent TSB Group Holdings's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.08 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Permanent TSB Group Holdings and its competitors. This is 11% below median its historical median of 0.09. Over the past decade, Permanent TSB Group Holdings' Equity-to-Asset has ranged from 0.07 to 0.10. According to the industry distribution chart, Permanent TSB Group Holdings ranks #1013 out of 1524 companies in the Banks industry, placing it in the top 66.5%.
Is Permanent TSB Group Holdings' Equity-to-Asset too high?
Permanent TSB Group Holdings' current Equity-to-Asset of 0.08 is 11% below median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. Permanent TSB Group Holdings' value of 0.08 is 20% below this industry median. Based on the distribution chart, Permanent TSB Group Holdings ranks #1013 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, Permanent TSB Group Holdings has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Permanent TSB Group Holdings' Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Permanent TSB Group Holdings ranks #1013 out of 1524 companies for Equity-to-Asset. This places Permanent TSB Group Holdings in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Permanent TSB Group Holdings' value of 0.08 is 20% below this benchmark. Historically, Permanent TSB Group Holdings' own Equity-to-Asset has ranged from 0.07 to 0.10 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Permanent TSB Group Holdings's current Equity-to-Asset of 0.08 is 20% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Permanent TSB Group Holdings and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Permanent TSB Group Holdings's current Equity-to-Asset is 0.08, which is 11% below median its own 10-year median of 0.09. 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 $2.00, compared to a current price of $3.05 — trading 52.5% above its estimated fair value. The current Equity-to-Asset is 0.08, which is 11% below median its 10-year median of 0.09 and 20% below the Banks industry median of 0.10. Permanent TSB Group Holdings' overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Permanent TSB Group Holdings (ILPMF), the current Equity-to-Asset is 0.08 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 $3.05 is trading 52.5% above its estimated GF Value™ of $2.00.
GuruFocus considers Permanent TSB Group Holdings to be Significantly Overvalued.
Key valuation signals for ILPMF:
Equity-to-Asset: 0.08 (11% below median its 10-year median of 0.09)
GF Value™: $2.00 vs. price of $3.05 (52.5% above fair value)
Industry Position: 20% below the Banks median (#1013 of 1524)
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.
65GF Score
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