Permanent TSB Group HoldingsCHIX:PTSBI 52 EV-to-FCF is 3.50 as of Jun. 28, 2026, which is 5733% above its 10-year median of 0.06. GuruFocus rates CHIX:PTSBI with a GF Score™ of 52/100 and a GF Value™ of €1.91 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,196 Banks companies, Permanent TSB Group Holdings ranks better than 63.29% on this metric.
The historical rank and industry rank for Permanent TSB Group Holdings's EV-to-FCF or its related term are showing as below:
CHIX:PTSBi'
s EV-to-FCF Range Over the Past 10 Years
Min: -6.39 Med: 0.06 Max: 3.68
Current: 3.5
During the past 13 years, the highest EV-to-FCF of Permanent TSB Group Holdings was 3.68. The lowest was -6.39. And the median was 0.06.
CHIX:PTSBi's EV-to-FCF is ranked better than 63.29% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs CHIX:PTSBi: 3.50
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Permanent TSB Group Holdings (CHIX:PTSBi) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Permanent TSB Group Holdings's PE Ratio (TTM) for today is calculated as:
Permanent TSB Group Holdings's share price for today is €2.905.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Permanent TSB Group Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.130.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Permanent TSB Group Holdings EV-to-FCF Related Terms
Permanent TSB Group Holdings EV-to-FCF 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.
For the Banks - Regional subindustry, Permanent TSB Group Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Permanent TSB Group Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Permanent TSB Group Holdings's EV-to-FCF falls into.
Permanent TSB Group Holdings's current Enterprise Value is €2,076.0 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Permanent TSB Group Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €593.0 Mil.
* 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 (CHIX:PTSBI) has a EV-to-FCF of 3.50 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Permanent TSB Group Holdings and its competitors. This is 5733% above median its historical median of 0.06. According to the industry distribution chart, Permanent TSB Group Holdings ranks #439 out of 1196 companies in the Banks industry, placing it in the top 36.7%.
Is Permanent TSB Group Holdings' EV-to-FCF too high?
Permanent TSB Group Holdings' current EV-to-FCF of 3.50 is 5733% above median its 10-year median of 0.06. The Banks industry median EV-to-FCF is 6.56. Permanent TSB Group Holdings' value of 3.50 is 46.6% below this industry median. Based on the distribution chart, Permanent TSB Group Holdings ranks #439 out of 1196 companies in the Banks industry, which is above the industry midpoint. Overall, Permanent TSB Group Holdings has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Permanent TSB Group Holdings' EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Permanent TSB Group Holdings ranks #439 out of 1196 companies for EV-to-FCF. This puts Permanent TSB Group Holdings in the upper half of its industry. The industry median EV-to-FCF is 6.56. Permanent TSB Group Holdings' value of 3.50 is 46.6% below this benchmark. While the company's 10-year median is 0.06 vs. the industry median of 6.56, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Permanent TSB Group Holdings's current EV-to-FCF of 3.50 is 46.6% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Permanent TSB Group Holdings and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Permanent TSB Group Holdings's current EV-to-FCF is 3.50, which is 5733% above median its own 10-year median of 0.06. 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 (CHIX:PTSBI) is currently considered Significantly Overvalued. The stock's GF Value™ is €1.91, compared to a current price of €2.91 — trading 52.1% above its estimated fair value. The current EV-to-FCF is 3.50, which is 5733% above median its 10-year median of 0.06 and 46.6% below the Banks industry median of 6.56. Permanent TSB Group Holdings' overall GF Score™ is 52/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Permanent TSB Group Holdings (CHIX:PTSBI), the current EV-to-FCF is 3.50 as of Jun. 28, 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 (CHIX:PTSBI) Overvalued in 2026?
Based on GuruFocus' analysis, Permanent TSB Group Holdings stock appears to be overvalued.
The current stock price of €2.91 is trading 52.1% above its estimated GF Value™ of €1.91.
GuruFocus considers Permanent TSB Group Holdings to be Significantly Overvalued.
Key valuation signals for CHIX:PTSBI:
EV-to-FCF: 3.50 (5733% above median its 10-year median of 0.06)
GF Value™: €1.91 vs. price of €2.91 (52.1% above fair value)
Industry Position: 46.6% below the Banks median (#439 of 1196)
No single metric tells the full story. See the CHIX:PTSBI 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.
52GF Score
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