Permanent TSB Group Holdings plc

DB:IL0A Stock Report

Market Cap: €897.5m

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 15.9% 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 (19.4%).


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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