PTSB Share Price Performance
€2.79
1.41 (102.17%)
6.9% undervalued intrinsic discount
€3.00
Fair Value
Price €2.79
AnalystConsensusTarget €3.00
AnalystHighTarget €4.23
AnalystLowTarget €1.90
Fair Value€3.00
Share Pricen/a
Permanent TSB Group Holdings plc Stock Price
- 3 Narratives written by author
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- 7 Fair Values set on narratives written by author
PTSB Community Narratives
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Fair Value €3 6.9% undervalued intrinsic discount
PTSB: Rising Discount Rate And Profit Margin Pressures Will Challenge Future Performance
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Fair Value €4.23 34.0% undervalued intrinsic discount
Digital Transformation And Irish Demographics Will Revolutionize Banking Operations
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Fair Value €1.9 46.8% overvalued intrinsic discount
Mortgage Overexposure And Digital Weakness Will Derail Returns
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Digital Transformation And Irish Demographics Will Revolutionize Banking Operations
Key Takeaways Digital transformation and new deposit channels position the bank for higher-than-expected fee-based income and revenue growth. Conservative provisioning and successful asset integration could unlock significant profit upside as macroeconomic conditions stabilize.Read more
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€4.23
34.0% undervalued intrinsic discount
AnalystHighTarget's Fair Value
Revenue
7.74% p.a.
Profit Margin
25.38%
Future PE
13.33x
Price in 2029
€5.24
Mortgage Overexposure And Digital Weakness Will Derail Returns
Key Takeaways Heavy reliance on Irish mortgages and demographic risk threaten loan growth, while macroeconomic shocks could erode income and pricing power. Digital disruption, regulatory demands, and intense competition expose the bank to margin compression and rising costs, challenging profitability.Read more
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€1.9
46.8% overvalued intrinsic discount
AnalystLowTarget's Fair Value
Revenue
4.11% p.a.
Profit Margin
24.05%
Future PE
7x
Price in 2028
€2.35
PTSB: Rising Discount Rate And Profit Margin Pressures Will Challenge Future Performance
Key Takeaways Strong economic conditions, consolidation benefits, and digital transformation are driving market share gains, revenue growth, and improved customer retention. Cost-reduction initiatives and growth in green lending position the bank for enhanced profitability and diversified, sustainable long-term earnings.Read more
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€3
6.9% undervalued intrinsic discount
AnalystConsensusTarget's Fair Value
Revenue
5.39% p.a.
Profit Margin
22.58%
Future PE
11.35x
Price in 2028
€3.71
Trending Discussion
Recently Updated Narratives
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PTSB: Higher Future P/E Assumptions Will Support Repriced Upside Scenario
Fair Value: €4.23 34.0% undervalued intrinsic discount
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PTSB: Rising Earnings Expectations Will Likely Outpace Sustainable Share Price Upside
Fair Value: €1.9 46.8% overvalued intrinsic discount
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PTSB: Future Performance Will Reflect Earnings Momentum And Interest Rate Normalization Risks
Fair Value: €3 6.9% undervalued intrinsic discount
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Snowflake Analysis
Permanent TSB Group Holdings plc Key Details
Last Reported Earnings
Jun 30, 2025
Next Reporting Earnings
n/a
- 0.13
- 100.00%
- 10.53%
- 77.9%
About PTSB
- Founded
- 1816
- Employees
- 3207
- CEO
- WebsiteView website
Permanent TSB Group Holdings plc operates in the retail, and small and medium sized enterprises (SME) banking sectors in the Republic of Ireland. The company offers transactional banking, lending, saving, and deposit taking services. It provides its products and services through branch network, brokers, direct, digital and SME channels. Permanent TSB Group Holdings plc was founded in 1816 and is based in Dublin, Ireland.