Permanent TSB Group Holdings plc

OTCPK:ILPM.F Stock Report

Market Cap: US$1.9b

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 42.9%, while the Banks industry saw earnings growing at 3% annually. Revenues have been growing at an average rate of 21.2% per year. Permanent TSB Group Holdings's return on equity is 4.6%, and it has net margins of 10.2%.

Key information

42.91%

Earnings growth rate

43.10%

EPS growth rate

Banks Industry Growth11.18%
Revenue growth rate21.19%
Return on equity4.59%
Net Margin10.23%
Last Earnings Update31 Dec 2025

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

OTCPK:ILPM.F Revenue, expenses and earnings (EUR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Dec 25694714370
30 Sep 25684714400
30 Jun 25674714360
31 Mar 25688954380
31 Dec 247021194450
30 Sep 24690914410
30 Jun 24678634370
31 Mar 24645444200
31 Dec 23612254020
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

Quality Earnings: ILPM.F has a large one-off loss of €47.0M impacting its last 12 months of financial results to 31st December, 2025.

Growing Profit Margin: ILPM.F's current net profit margins (10.2%) are lower than last year (17%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: ILPM.F has become profitable over the past 5 years, growing earnings by 42.9% per year.

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

Earnings vs Industry: ILPM.F had negative earnings growth (-40.3%) over the past year, making it difficult to compare to the Banks industry average (23.2%).

Return on Equity

High ROE: ILPM.F's Return on Equity (4.6%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/02 19:46
End of Day Share Price 2026/05/28 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

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.

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 Github.

Analyst Sources

Permanent TSB Group Holdings plc is covered by 16 analysts. 5 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
Amandeep RakkarBarclays
Alicia ChungBNP Paribas