Permanent TSB Group Holdings (DUB:PTSB) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

DUB:PTSB Permanent TSB Group Holdings PLC DUB:PTSB
56 GF Score
Price €3.01
GF Value €1.98
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Permanent TSB Group Holdings Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Permanent TSB Group Holdings Quality Rank Related Terms

DUB:PTSB
56GF Score
Permanent TSB Group Holdings PLC DUB:PTSB
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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 €3.01 is trading 52% above its estimated GF Value™ of €1.98. GuruFocus considers Permanent TSB Group Holdings to be Significantly Overvalued.

Key valuation signals for DUB:PTSB:

  • Quality Rank:
  • GF Value™: €1.98 vs. price of €3.01 (52% above fair value)
  • GF Score™: 56/100 with 6 warning signs

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 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.
56GF Score

Get the complete analysis for DUB:PTSB

Quality Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.01
Price
€1.98
GF Value