PTSBI Stock Overview

Operates in the retail, and small and medium sized enterprises (SME) banking sectors in the Republic of Ireland. More details

PTSBI fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	1/6
Past Performance	2/6
Financial Health	4/6
Dividends	0/6

Rewards

Trading at 44.1% below our estimate of its fair value

Revenue is forecast to grow 12.33% per year

Became profitable this year

Risk Analysis

Shares are highly illiquid

Earnings are forecast to decline by an average of 1.9% per year for the next 3 years

Large one-off items impacting financial results

My Notes

Capture your thoughts, links and company narrative

Permanent TSB Group Holdings plc Competitors

TBC Bank Group

LSE:TBCG

UK£1.7b

Bank of Georgia Group

LSE:BGEO

UK£2.0b

Close Brothers Group

LSE:CBG

UK£332.2m

Halyk Bank of Kazakhstan

LSE:HSBK

US$5.0b

Price History & Performance

Summary of share price highs, lows and changes for Permanent TSB Group Holdings
Historical stock prices
Current Share Price	€1.67
52 Week High	€1.67
52 Week Low	€1.67
Beta	1.0
1 Month Change	0%
3 Month Change	0%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-27.29%

Recent updates

Shareholder Returns

	PTSBI	GB Banks	GB Market
7D	0%	-1.3%	-2.2%
1Y	n/a	32.4%	2.4%

Return vs Industry: Insufficient data to determine how PTSBI performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how PTSBI performed against the UK Market.

Price Volatility

Is PTSBI's price volatile compared to industry and market?
PTSBI volatility
PTSBI Average Weekly Movement	n/a
Banks Industry Average Movement	3.7%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	10.5%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: PTSBI has not had significant price volatility in the past 3 months.

Volatility Over Time: Insufficient data to determine PTSBI's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1816	3,077	Eamonn Crowley	www.permanenttsbgroup.ie

Permanent TSB Group Holdings plc operates in the retail, and small and medium sized enterprises (SME) banking sectors in the Republic of Ireland. It provides transactional banking, lending, saving, and deposit taking services. The company offers its products and services through branch network, brokers, direct, digital and SME channel.

Permanent TSB Group Holdings plc Fundamentals Summary

How do Permanent TSB Group Holdings's earnings and revenue compare to its market cap?
PTSBI fundamental statistics
Market cap	€856.57m
Earnings (TTM)	€257.00m
Revenue (TTM)	€503.00m

3.3x

P/E Ratio

0.4x

P/B Ratio

Is PTSBI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PTSBI income statement (TTM)
Revenue	€503.00m
Cost of Revenue	€0
Gross Profit	€503.00m
Other Expenses	€246.00m
Earnings	€257.00m

Last Reported Earnings

Jun 30, 2023

Next Earnings Date

Mar 07, 2024

Earnings per share (EPS)	0.47
Gross Margin	100.00%
Net Profit Margin	51.09%
Debt/Equity Ratio	85.7%

How did PTSBI perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/03/03 08:03
End of Day Share Price	2023/12/06 00:00
Earnings	2023/06/30
Annual Earnings	2022/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Grace Dargan	Barclays
Alicia Chung	BNP Paribas Exane
Alastair Ryan	BofA Global Research