Permanent TSB Group Holdings

Mortgage Overexposure And Digital Weakness Will Derail Returns

AnalystLowTarget

Not Invested

Community Contributor

Published

20 Jul 25

Updated

17 Dec 25

Views

n/a

AnalystLowTarget's Fair Value

n/a

100.0%

-0.7%

100.0%

-0.7%

You can edit this narrative until Dec 18 1:05 AM. Then, changes will post as Updates.

Author's Valuation

€1.951.6% overvalued

AnalystLowTarget Fair Value

Narrative

Updates1

Shared on 17 Dec 25

Fair value Increased 27%

PTSB: Rising Earnings Expectations Will Likely Outpace Sustainable Share Price Upside

Analysts have increased their price target on Permanent TSB Group Holdings from EUR 1.50 to EUR 1.90, citing expectations for stronger revenue growth, expanding profit margins, and a higher sustainable valuation multiple. Analyst Commentary Bearish analysts acknowledge that the higher price targets reflect improving fundamentals, but they remain wary of the bank's ability to sustain growth and deliver consistent returns in a more competitive Irish banking landscape.

AnalystLowTarget Fair Value

€1.9

51.6% overvalued

Future estimation in

Growth p.a.

Decrease

Increase

Current revenue growth rate

5.89%

Banks revenue growth rate

0.27%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

Decrease

Increase

Current discount rate

7.43%

Calculation

€182.92m

Earnings '28

7.00x

PE Ratio '28

€1.28b

Market Cap '28

€1.28b

Market Cap '28

544.99m

No. shares '28

€2.35

Share Price '28

€2.35 Share Price '28

Discounted to 2025 @ 7.42% p.a.

€1.90

Fair Value '25