Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
Permanent TSB Group Holdings. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
Permanent TSB Group Holdings's
is considered below, and whether this is a fair price.
Price based on past earnings
Permanent TSB Group Holdings's earnings available for a low price, and how does
this compare to other companies in the same industry?
Permanent TSB Group Holdings's earnings are expected to grow significantly at over 20% yearly.
Permanent TSB Group Holdings's revenue is expected to grow by 1.7% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
Permanent TSB Group Holdings's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
Permanent TSB Group Holdings
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Fundamentally a bank's business is based upon borrowing and lending money, for
this reason they typically have high levels of debt and we analyse them
This treemap shows a more detailed breakdown of
Permanent TSB Group Holdings's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Jeremy John Masding has been the Group Chief Executive Officer at Permanent TSB Group Holdings PLC (Alternate Name: Irish Life & Permanent Group Holdings Plc) since June 29, 2012 and permanent tsb p.l.c. Mr. Masding has been the Chief Executive of Banking Business at Irish Life & Permanent Group Holdings plc since February 14, 2012. He serves as the Group Chief Executive Officer of Permanent Tsb Finance Ltd. Mr. Masding served as Group Chief Executive Officer of Central Trust plc from 2007 to 2009 where he led a major restructuring programme to adapt the business to cope with the recession, including capital raising. From 1984 and 2007, he worked with Barclays Bank in a variety of different roles including Branch Banking, International Banking and in Head Office as a Director of Strategy Development. In later years, he served as a Board Director of Barclaycard, responsible for UK Consumer Finance. From 1998 to 1999, he worked on secondment from Barclays with the Cabinet Office in the UK. Mr. Masding served as Chairman of the Richmond Group from 2010 to 2012. He has been an Executive Director of Permanent TSB Group Holdings PLC since February 28, 2012, permanent tsb p.l.c., and Irish Life & Permanent Group Holdings plc since February 28, 2012. He is an Associate and Fellow of the Chartered Institute of Bankers and holds an MBA from Manchester Business School.
Jeremy's compensation has increased whilst company is loss making.
Jeremy's remuneration is lower than average for companies of similar size in United States of America.
Management Team Tenure
Average tenure of the
Permanent TSB Group Holdings
management team in years:
The tenure for the Permanent TSB Group Holdings management team is about average.
Group CEO & Executive Director
Group CFO & Executive Director
Group Director of Operations
Group Chief Technology Officer
Head of Investor Relations
Chief Legal Officer
Group Human Resources Director
Managing Director of Capital Home Loans
Head of Group Internal Audit
Chief Risk Officer
Board of Directors Tenure
Average tenure and age of the
Permanent TSB Group Holdings
board of directors in years:
The average tenure for the Permanent TSB Group Holdings board of directors is less than 3 years, this suggests a new board.
Permanent TSB Group Holdings plc provides retail, and small and medium sized enterprises banking products and services. It offers current accounts, retail and corporate deposits, institutional deposits, residential mortgages, term loans, credit cards, consumer finance, and overdrafts. The company also offers general and life insurance, pensions, and investments; and mobile, phone, and online banking services. It operates through a network of 15 branches in North East region, 18 branches in Dublin region, 15 branches in South East region, 14 branches in West region, and 15 branches in South region of the Republic of Ireland. The company was formerly known as Irish Life & Permanent Group Holdings plc and changed its name to Permanent TSB Group Holdings plc in 2012. Permanent TSB Group Holdings plc was founded in 2010 and is based in Dublin, Ireland.
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