What is Permanent TSB Group Holdings Net Margin %?
Permanent TSB Group HoldingsDUB:PTSB 52 Net Margin % is 29.73% as of Dec. 2025, which is 265% above its 10-year median of 8.15. GuruFocus rates DUB:PTSB with a GF Score™ of 52/100 and a GF Value™ of €1.97 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Permanent TSB Group Holdings ranks worse than 76.61% on this metric.
The historical rank and industry rank for Permanent TSB Group Holdings's Net Margin % or its related term are showing as below:
DUB:PTSB'
s Net Margin % Range Over the Past 10 Years
Min: -60.05 Med: 8.15 Max: 54
Current: 17.41
DUB:PTSB's Net Margin % is ranked worse than 76.61% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs DUB:PTSB: 17.41
Permanent TSB Group Holdings (DUB:PTSB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Permanent TSB Group Holdings Net Margin % Related Terms
Permanent TSB Group Holdings Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Permanent TSB Group Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Permanent TSB Group Holdings's Net Margin % 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 (DUB:PTSB) has a Net Margin % of 29.73% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Permanent TSB Group Holdings and its competitors. This is 265% above median its historical median of 8.15. According to the industry distribution chart, Permanent TSB Group Holdings ranks #1169 out of 1526 companies in the Banks industry, placing it in the top 76.6%.
Is Permanent TSB Group Holdings' Net Margin % too high?
Permanent TSB Group Holdings' current Net Margin % of 29.73% is 265% above median its 10-year median of 8.15. The Banks industry median Net Margin % is 26.97. Permanent TSB Group Holdings' value of 29.73% is 10.2% above this industry median. Based on the distribution chart, Permanent TSB Group Holdings ranks #1169 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Permanent TSB Group Holdings ranks #1169 out of 1526 companies for Net Margin %. This places Permanent TSB Group Holdings in the lower half of its industry. The industry median Net Margin % is 26.97. Permanent TSB Group Holdings' value of 29.73% is 10.2% above this benchmark. While the company's 10-year median is 8.15 vs. the industry median of 26.97, Permanent TSB Group Holdings has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Permanent TSB Group Holdings's current Net Margin % of 29.73% is 10.2% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Permanent TSB Group Holdings and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Permanent TSB Group Holdings's current Net Margin % is 29.73%, which is 265% above median its own 10-year median of 8.15. 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 (DUB:PTSB) is currently considered Significantly Overvalued. The stock's GF Value™ is €1.97, compared to a current price of €2.97 — trading 50.8% above its estimated fair value. The current Net Margin % is 29.73%, which is 265% above median its 10-year median of 8.15 and 10.2% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Permanent TSB Group Holdings (DUB:PTSB), the current Net Margin % is 29.73% 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 (DUB:PTSB) Overvalued in 2026?
Based on GuruFocus' analysis, Permanent TSB Group Holdings stock appears to be overvalued.
The current stock price of €2.97 is trading 50.8% above its estimated GF Value™ of €1.97.
GuruFocus considers Permanent TSB Group Holdings to be Significantly Overvalued.
Key valuation signals for DUB:PTSB:
Net Margin %: 29.73% (265% above median its 10-year median of 8.15)
GF Value™: €1.97 vs. price of €2.97 (50.8% above fair value)
Industry Position: 10.2% above the Banks median (#1169 of 1526)
No single metric tells the full story. See the DUB:PTSB 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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