Permanent TSB Group Holdings plc

DB:IL0A Stock Report

Market Cap: €768.4m

Permanent TSB Group Holdings Past Earnings Performance

Past criteria checks 1/6

Permanent TSB Group Holdings has been growing earnings at an average annual rate of 47.6%, while the Banks industry saw earnings growing at 17.8% annually. Revenues have been growing at an average rate of 14.9% per year. Permanent TSB Group Holdings's return on equity is 4.3%, and it has net margins of 9.3%.

Key information

47.6%

Earnings growth rate

46.4%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate14.9%
Return on equity4.3%
Net Margin9.3%
Last Earnings Update30 Jun 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Permanent TSB Group Holdings makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:IL0A Revenue, expenses and earnings (EUR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 24678634380
31 Mar 24645444210
31 Dec 23612254030
30 Sep 235581413770
30 Jun 235032573510
31 Mar 234552353350
31 Dec 224062133190
30 Sep 22396783030
30 Jun 22385-572870
31 Mar 22374-492780
31 Dec 21362-412690
30 Sep 21318-862650
30 Jun 21274-1322610
31 Mar 21247-1522630
31 Dec 20220-1732640
30 Sep 20264-1142670
30 Jun 20308-562690
31 Mar 20356-182710
31 Dec 19403192730
30 Sep 19400-122780
30 Jun 19396-432820
31 Mar 19411-252870
31 Dec 18425-82920
30 Sep 18419212910
30 Jun 18413492890
31 Mar 18404392830
31 Dec 17395292760
30 Sep 17422-1462580
30 Jun 17449-3212400
31 Mar 17488-2982570
31 Dec 16526-2762740
30 Sep 16307-1102940
30 Jun 1687553140
31 Mar 1615-1853000
31 Dec 15-57-4252850
30 Sep 15216-3683050
30 Jun 15489-3123250
31 Mar 15420-2073420
31 Dec 14351-1023580
30 Sep 14-9-2113460
30 Jun 14-370-3203340
31 Mar 14-530-2903150
31 Dec 13-691-2612950

Quality Earnings: IL0A has a large one-off gain of €30.0M impacting its last 12 months of financial results to 30th June, 2024.

Growing Profit Margin: IL0A's current net profit margins (9.3%) are lower than last year (51.1%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: IL0A has become profitable over the past 5 years, growing earnings by 47.6% per year.

Accelerating Growth: IL0A's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: IL0A had negative earnings growth (-75.5%) over the past year, making it difficult to compare to the Banks industry average (12.9%).

Return on Equity

High ROE: IL0A's Return on Equity (4.3%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/20 11:38
End of Day Share Price 2024/12/20 00:00
Earnings2024/06/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Permanent TSB Group Holdings plc is covered by 20 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Grace DarganBarclays
Alicia ChungBNP Paribas Exane
Alastair RyanBofA Global Research