Español 
Deutsch 
Français 
MSCI World Index (MSC)
NASDAQ Composite (NASDAQ)
FTSE China A50 Index (FGI)
STOXX Europe 600 (SIX)
Nikkei 300 (OSA)
NIFTY 50 (NSE)
DAX Performance Index (XETRA)
FTSE 100 (FGI)
CAC 40 (EURONEXT)
Permanent TSB Group Holdings plc (PTSB.IR)
EUR2.99
-0.02 (-0.66%)
IE DUB Financial Services Banks - Regional
Address
56-59 St. Stephen’s Green 2
Dublin, IE
Dublin, IE
CEO
Eamonn Crowley
Website
permanenttsbgroup.ie
IPO
2000-06-06
ISIN IE00BWB8X525
Also trades on
Euronext Dublin · IL0A.IR (EUR)
Euronext Dublin · PTSB.IR (EUR)
London Stock Exchange · IL0A.L (EUR)
London Stock Exchange · PTSB.L (EUR)
Other OTC · ILPMF (USD)
Other OTC · ILPMY (USD)
Description
Permanent TSB Group Holdings plc is an Irish financial institution specializing in retail and small to medium-sized enterprise (SME) banking within the Republic of Ireland. The company provides a comprehensive suite of financial services, including transactional accounts, various lending options, and solutions for saving and taking deposits. These products and services are made available to customers through its network of physical branches, via brokers, through direct engagement, digital platforms, and a dedicated SME channel. Established in 1816, Permanent TSB Group Holdings plc's principal offices are located in Dublin, Ireland.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary
Loading…
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
EUR2.99
-0.02 (-0.66%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
2M
Beta
0.47
Float Shares
193.22M
Free Float %
35.5%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.34% | +0.68% | +1.37% | -2.63% | +7.64% | +3.50% | +55.79% | +37.67% | +131.25% | +45.10% | -99.34% |
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From
To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
Loading histogram data…
Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
2.99
DCF (Levered)
45.83
+1,432.9%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
17% Bullish
| Rating | 2026-06 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | -1 |
| Hold | 4 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 1 | 0 |
Quality scores
Altman Z-Score
0.21
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
-
Revenue growth+34.0% Q4'25: +44.2% (vs Q4'23)
-
EPS growth-40.9% Q4'25: +277.4% (vs Q4'23)
-
FCF margin— Q4'25: +19.7% (vs Q4'23)
-
EBIT margin— Q4'25: +23.0% (vs Q4'23)
-
ROIC— Q4'25: +8.6% (vs Q4'23)
-
Share dilution-0.1% Q4'25: -3.6% (vs Q4'23)
-
Debt / EBITDA— Q4'25: 4.51× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 4 Rev. Ana. 4 EPS Ana. |
Dec 2027 5 Rev. Ana. 4 EPS Ana. |
Dec 2028 4 Rev. Ana. 3 EPS Ana. |
|---|---|---|---|---|---|---|
| Revenue |
666.00M
est: 678.00M (-1.8%)
|
670.00M
est: 667.51M (+0.4%)
|
897.60M
est: 647.85M (+38.6%)
|
708.00M
702.10M – 715.97M
+9.3% YoY
|
772.25M
754.67M – 794.59M
+9.1% YoY
|
832.00M
831.97M – 832.03M
+7.7% YoY
|
| EBITDA |
—
est: 23.42M (-100.0%)
|
—
est: 23.05M (-100.0%)
|
155.00M
est: 22.37M (+592.8%)
|
24.45M
24.25M – 24.73M
+9.3% YoY
|
26.67M
26.06M – 27.44M
+9.1% YoY
|
28.73M
28.73M – 28.74M
+7.7% YoY
|
| EBIT |
-67.00M
est: -47.45M (-41.2%)
|
-91.00M
est: -46.72M (-94.8%)
|
128.00M
est: -45.34M (+382.3%)
|
-49.55M
-50.11M – -49.14M
-9.3% YoY
|
-54.05M
-55.61M – -52.81M
-9.1% YoY
|
-58.23M
-58.23M – -58.23M
-7.7% YoY
|
| Net Income |
68.00M
est: 63.00M (+7.9%)
|
162.00M
est: 94.79M (+70.9%)
|
114.00M
est: 71.00M (+60.6%)
|
141.10M
123.00M – 153.07M
+98.7% YoY
|
165.42M
148.86M – 170.58M
+17.2% YoY
|
214.98M
208.49M – 225.39M
+30.0% YoY
|
| SGA |
175.00M
est: 195.32M (-10.4%)
|
183.00M
est: 192.30M (-4.8%)
|
231.00M
est: 186.63M (+23.8%)
|
203.96M
202.26M – 206.25M
+9.3% YoY
|
222.47M
217.40M – 228.90M
+9.1% YoY
|
239.68M
239.67M – 239.69M
+7.7% YoY
|
| EPS |
0.05
est: 0.12 (-60.3%)
|
0.22
est: 0.17 (+26.9%)
|
0.13
est: 0.12 (+6.8%)
|
0.25
0.23 – 0.28
+104.2% YoY
|
0.29
0.27 – 0.31
+16.3% YoY
|
0.40
0.38 – 0.41
+36.9% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-06-12 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-06-11 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-06-10 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-06-09 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-06-08 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-06-05 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-06-04 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-06-03 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-06-02 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-06-01 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-29 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-28 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-27 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-26 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-25 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-22 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-21 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-20 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-19 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-18 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-15 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-14 | B- | 3/5 | 3/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-13 | B- | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-12 | B- | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-11 | B- | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-08 | B- | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-07 | B- | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-06 | B- | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-05 | B- | 3/5 | 2/5 | 2/5 | 3/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-30 | B- | 2/5 | 2/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-29 | B- | 2/5 | 2/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-28 | B- | 2/5 | 2/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-27 | B- | 2/5 | 2/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-24 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-23 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-22 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-21 | B | 3/5 | 3/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-20 | B | 3/5 | 3/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-17 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-16 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
145.03M
OE per share TTM
0.27
Owner's Yield
8.99%
Maintenance CapEx ratio
46.50%
Maint CapEx / Avg PPE
35.9%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 11 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Ireland ETF EIRL | 3.27% | 2.45M | 0.50% |
| 2 | Fidelity Investment Trust - Fidelity Special Values PLC FSV.L | 0.04% | 749.6K | 0.27% |
| 3 | FlexShares Morningstar Developed Markets ex-US Factor Tilt Index Fund TLTD | 0.01% | 71.9K | 0.41% |
| 4 | Dimensional - International Small Cap ETF DFIS | 0.01% | 516.9K | 0.39% |
| 5 | Dimensional - International Small Cap Value ETF DISV | 0.01% | 337.1K | 0.42% |
| 6 | Dimensional - International Vector Equity ETF DXIV | 0.00% | 7.2K | 0.53% |
| 7 | Dimensional - International Core Equity 2 ETF DFIC | 0.00% | 154.5K | 0.22% |
| 8 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.00% | 127.8K | 0.28% |
| 9 | Avantis International Equity ETF AVDE | 0.00% | 1.5K | 0.23% |
| 10 | Dimensional International Sustainability Core 1 ETF DFSI | 0.00% | — | 0.24% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
38.1K
Shares Outstanding
544.99M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Eamonn Crowley | Chief Executive Officer & Executive Director | 712.9K | male |
| Barry D'Arcy | Chief Financial Officer & Executive Director | 493.4K | male |
| Fiona McMahon | Chief Risk Officer | — | female |
| Ger Mitchell | Chief Customer & People Officer | — | male |
| Leontia Fannin | Chief Sustainability & Corporate Affairs Officer | — | female |
| Patrick Farrell | Chief Retail Banking Officer | — | male |
| Peter Vance | Chief Operating Officer | — | male |
| Andrew Walsh | Chief Legal Officer | — | male |
| Tom Hayes | Chief Technology & Innovation Officer | — | male |
| Claire Heeley | Head of Group Internal Audit | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for PTSB.IR
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
