Permanent TSB Group Holdings

PTSB: Rising Discount Rate And Profit Margin Pressures Will Challenge Future Performance

AN

AnalystConsensusTarget

AnalystConsensusTarget

Not Invested

Based on Analyst Price Targets

Published

09 Mar 25

Updated

03 Dec 25

n/a

n/a

AnalystConsensusTarget's Fair Value

n/a

1Y

103.3%

7D

0%

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1Y

103.3%

7D

0%

You can edit this narrative until Dec 4 12:15 AM. Then, changes will post as Updates.

Author's Valuation

€31.8% overvalued

AnalystConsensusTarget Fair Value

Shared on 03 Dec 25

PTSB: Future Performance Will Reflect Earnings Momentum And Interest Rate Normalization Risks

Narrative Update on Analyst Price Target The analyst price target for Permanent TSB Group Holdings has been raised significantly, with expectations moving from a range closer to EUR 1.50 to 1.60 up toward approximately EUR 3.10, as analysts cite improving profitability metrics and a slightly lower perceived risk profile supporting higher valuation multiples. Analyst Commentary Recent revisions to price targets reflect a reassessment of Permanent TSB Group Holdings valuation, incorporating stronger earnings momentum and a more supportive macro backdrop, while still acknowledging execution and risk management challenges.

Shared on 18 Nov 25

Fair value Increased 22%

PTSB: Performance Will Reflect Shifts in Revenue Trends and Profit Margins

The analyst price target for Permanent TSB Group Holdings has increased significantly, rising from €2.46 to €3.00. Analysts cite improved revenue growth expectations and a slightly lower discount rate as key factors behind the upward revision.

Shared on 01 Nov 25

Fair value Increased 7.50%

Narrative Update on Permanent TSB Group Holdings Analysts have raised their price target for Permanent TSB Group Holdings from €1.25 to €1.60. This reflects improved fair value estimates and an updated outlook, despite slightly moderated profit margin and revenue growth projections.

Shared on 19 Aug 25

Fair value Increased 6.18%

The increase in Permanent TSB Group Holdings’ future P/E ratio, with stable revenue growth forecasts, indicates a higher market confidence in earnings quality or sustainability, resulting in a consensus analyst price target upgrade from €2.16 to €2.29. What's in the News RBC Capital raised its price target for Permanent TSB to EUR 1.60 from EUR 1.25 but maintained an Underperform rating on the shares (Periodicals).

Shared on 01 May 25

Fair value Increased 9.48%

Shared on 23 Apr 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 17 Apr 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 09 Apr 25

Fair value Increased 1.03%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 02 Apr 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 26 Mar 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 19 Mar 25

AnalystConsensusTarget has increased revenue growth from 1.4% to 2.3%.

Shared on 13 Mar 25

Fair value Decreased 6.10%

AnalystConsensusTarget has increased profit margin from 20.1% to 23.0% and decreased future PE multiple from 9.2x to 8.1x.

AnalystConsensusTarget Fair Value

€3

1.8% overvalued

Future estimation in

% p.a.

0

Decrease

Increase

Current revenue growth rate

5.90%

Banks revenue growth rate

0.26%

Risk Level (Discount Rate)

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

%

0

Decrease

Increase

Current discount rate

7.42%

Calculation

€178.12m

Earnings '28

x

11.35x

PE Ratio '28

=

€2.02b

Market Cap '28

€2.02b

Market Cap '28

/

544.99m

No. shares '28

=

€3.71

Share Price '28

€3.71 Share Price '28

Discounted to 2025 @ 7.43% p.a.

=

€2.99

Fair Value '25