* 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Permanent TSB Group Holdings's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Permanent TSB Group Holdings's OCF 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 (ILPMF) has a OCF Margin % of -4.50% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Permanent TSB Group Holdings and its competitors. According to the industry distribution chart, Permanent TSB Group Holdings ranks #243 out of 1500 companies in the Banks industry, placing it in the top 16.2%.
Is Permanent TSB Group Holdings' OCF Margin % too high?
Permanent TSB Group Holdings' current OCF Margin % is -4.50%. Based on the distribution chart, Permanent TSB Group Holdings ranks #243 out of 1500 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Permanent TSB Group Holdings has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Permanent TSB Group Holdings' OCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Permanent TSB Group Holdings ranks #243 out of 1500 companies for OCF Margin %. This places Permanent TSB Group Holdings in the top 16% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.44. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Permanent TSB Group Holdings and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Permanent TSB Group Holdings's current OCF Margin % is -4.50%. 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 $2.41, compared to a current price of $3.05 — trading 26.6% above its estimated fair value. The current OCF Margin % is -4.50%. Permanent TSB Group Holdings' overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Permanent TSB Group Holdings (ILPMF), the current OCF Margin % is -4.50% 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 26.6% above its estimated GF Value™ of $2.41.
GuruFocus considers Permanent TSB Group Holdings to be Modestly Overvalued.
Key valuation signals for ILPMF:
OCF Margin %: -4.50%
GF Value™: $2.41 vs. price of $3.05 (26.6% above fair value)
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.
70GF Score
Get the complete analysis for ILPMF
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ILPMF has been successfully added to your 
