ILPMF (Permanent TSB Group Holdings) LT-Debt-to-Total-Asset: 0.07 (As of Dec. 2025)


ILPMF Permanent TSB Group Holdings PLC ILPMF
65 GF Score
Price $3.05
GF Value $2.00
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Permanent TSB Group Holdings LT-Debt-to-Total-Asset?

Permanent TSB Group Holdings ILPMF 65 LT-Debt-to-Total-Asset is 0.07 as of Dec. 2025. GuruFocus rates ILPMF with a GF Score™ of 65/100 and a GF Value™ of $2.00 (Modestly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Permanent TSB Group Holdings's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.07.

Permanent TSB Group Holdings's long-term debt to total assets ratio declined from Dec. 2024 (0.07) to Dec. 2025 (0.07). It may suggest that Permanent TSB Group Holdings is progressively becoming less dependent on debt to grow their business.

Permanent TSB Group Holdings  (OTCPK:ILPMF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Permanent TSB Group Holdings LT-Debt-to-Total-Asset Related Terms

Permanent TSB Group Holdings LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Permanent TSB Group Holdings's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Permanent TSB Group Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.04 0.04 0.07 0.07 0.07

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
LT-Debt-to-Total-Asset 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 0.07 0.08 0.07 0.07 0.07
ILPMF
65GF Score
Permanent TSB Group Holdings PLC ILPMF
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Permanent TSB Group Holdings LT-Debt-to-Total-Asset Calculation

Permanent TSB Group Holdings's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=2461.358/35673.302
=0.07

Permanent TSB Group Holdings's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )/Total Assets (Q: Dec. 2025 )
=2461.358/35673.302
=0.07

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.07 mean?
Permanent TSB Group Holdings (ILPMF) has a LT-Debt-to-Total-Asset of 0.07 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Permanent TSB Group Holdings and its competitors.
Is Permanent TSB Group Holdings' LT-Debt-to-Total-Asset too high?
Permanent TSB Group Holdings' current LT-Debt-to-Total-Asset is 0.07. Overall, Permanent TSB Group Holdings has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Permanent TSB Group Holdings' LT-Debt-to-Total-Asset compare to PNC and USB?
Permanent TSB Group Holdings' LT-Debt-to-Total-Asset of 0.07 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Permanent TSB Group Holdings and its competitors. Permanent TSB Group Holdings's current LT-Debt-to-Total-Asset is 0.07. 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 $2.00, compared to a current price of $3.05 — trading 52.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.07. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Permanent TSB Group Holdings (ILPMF), the current LT-Debt-to-Total-Asset is 0.07 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 52.5% above its estimated GF Value™ of $2.00. GuruFocus considers Permanent TSB Group Holdings to be Modestly Overvalued.

Key valuation signals for ILPMF:

  • LT-Debt-to-Total-Asset: 0.07
  • GF Value™: $2.00 vs. price of $3.05 (52.5% above fair value)
  • GF Score™: 65/100 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.
65GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$3.05
Price
$2.00
GF Value