ILPMF (Permanent TSB Group Holdings) ROE % Adjusted to Book Value: 12.08% (As of Dec. 2025)


ILPMF Permanent TSB Group Holdings PLC ILPMF
70 GF Score
Price $3.05
GF Value $2.41
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Permanent TSB Group Holdings ROE % Adjusted to Book Value?

Permanent TSB Group Holdings ILPMF 70 ROE % Adjusted to Book Value is 12.08% as of Dec. 2025. 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.

Permanent TSB Group Holdings's ROE % for the quarter that ended in Dec. 2025 was 7.97%. Permanent TSB Group Holdings's PB Ratio for the quarter that ended in Dec. 2025 was 0.66. Permanent TSB Group Holdings's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 12.08%.


Permanent TSB Group Holdings ROE % Adjusted to Book Value Related Terms


Permanent TSB Group Holdings ROE % Adjusted to Book Value Historical Data

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The historical data trend for Permanent TSB Group Holdings's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Permanent TSB Group Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only -2.40 25.27 6.98 17.32 7.27

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
ROE % Adjusted to Book Value 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 8.73 16.55 21.14 2.58 12.08

ILPMF vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Permanent TSB Group Holdings's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Permanent TSB Group Holdings's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Permanent TSB Group Holdings's ROE % Adjusted to Book Value falls into.


ILPMF
70GF Score
Permanent TSB Group Holdings PLC ILPMF
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Permanent TSB Group Holdings ROE % Adjusted to Book Value Calculation

Permanent TSB Group Holdings's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=4.80% / 0.66
=7.27%

Permanent TSB Group Holdings's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=7.97% / 0.66
=12.08%

* 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.

What does a ROE % Adjusted to Book Value of 12.08% mean?
Permanent TSB Group Holdings (ILPMF) has a ROE % Adjusted to Book Value of 12.08% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Permanent TSB Group Holdings and its competitors.
Is Permanent TSB Group Holdings' ROE % Adjusted to Book Value too high?
Permanent TSB Group Holdings' current ROE % Adjusted to Book Value is 12.08%. 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' ROE % Adjusted to Book Value compare to PNC and USB?
Permanent TSB Group Holdings' ROE % Adjusted to Book Value of 12.08% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Permanent TSB Group Holdings and its competitors. Permanent TSB Group Holdings's current ROE % Adjusted to Book Value is 12.08%. 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 ROE % Adjusted to Book Value is 12.08%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Permanent TSB Group Holdings (ILPMF), the current ROE % Adjusted to Book Value is 12.08% 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:

  • ROE % Adjusted to Book Value: 12.08%
  • GF Value™: $2.41 vs. price of $3.05 (26.6% above fair value)
  • GF Score™: 70/100 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.
70GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$3.05
Price
$2.41
GF Value