Permanent TSB Group HoldingsILPMF -8.13%70 Pretax Margin % is 32.73% as of Dec. 2025, which is 199% above its 10-year median of 10.96. GuruFocus rates ILPMF with a GF Score™ of 70/100 and a GF Value™ of $2.41 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Permanent TSB Group Holdings ranks worse than 81.39% on this metric.
The historical rank and industry rank for Permanent TSB Group Holdings's Pretax Margin % or its related term are showing as below:
ILPMF'
s Pretax Margin % Range Over the Past 10 Years
Min: -51.02 Med: 10.96 Max: 64.65
Current: 19.54
ILPMF's Pretax Margin % is ranked worse than 81.39% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs ILPMF: 19.54
Permanent TSB Group Holdings (OTCPK:ILPMF) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Permanent TSB Group Holdings Pretax Margin % Related Terms
Permanent TSB Group Holdings Pretax 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.
Permanent TSB Group Holdings Pretax Margin % Chart
For the Banks - Regional subindustry, Permanent TSB Group Holdings's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Permanent TSB Group Holdings's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Permanent TSB Group Holdings's Pretax 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 Pretax Margin % of 32.73% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Permanent TSB Group Holdings and its competitors. This is 199% above median its historical median of 10.96. According to the industry distribution chart, Permanent TSB Group Holdings ranks #1242 out of 1526 companies in the Banks industry, placing it in the top 81.4%.
Is Permanent TSB Group Holdings' Pretax Margin % too high?
Permanent TSB Group Holdings' current Pretax Margin % of 32.73% is 199% above median its 10-year median of 10.96. The Banks industry median Pretax Margin % is 34.89. Permanent TSB Group Holdings' value of 32.73% is 6.2% below this industry median. Based on the distribution chart, Permanent TSB Group Holdings ranks #1242 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 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Permanent TSB Group Holdings' Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Permanent TSB Group Holdings ranks #1242 out of 1526 companies for Pretax Margin %. This places Permanent TSB Group Holdings in the lower half of its industry. The industry median Pretax Margin % is 34.89. Permanent TSB Group Holdings' value of 32.73% is 6.2% below this benchmark. While the company's 10-year median is 10.96 vs. the industry median of 34.89, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Permanent TSB Group Holdings's current Pretax Margin % of 32.73% is 6.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Permanent TSB Group Holdings and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Permanent TSB Group Holdings's current Pretax Margin % is 32.73%, which is 199% above median its own 10-year median of 10.96. 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 Pretax Margin % is 32.73%, which is 199% above median its 10-year median of 10.96 and 6.2% below the Banks industry median of 34.89. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Permanent TSB Group Holdings (ILPMF), the current Pretax Margin % is 32.73% 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 (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:
Pretax Margin %: 32.73% (199% above median its 10-year median of 10.96)
GF Value™: $2.41 vs. price of $3.05 (26.6% above fair value)
Industry Position: 6.2% below the Banks median (#1242 of 1526)
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
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