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Key financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | €m | 334 | 320 | 358 | 508 | 383 | 610 | 681 | - |
| Operating profit | €m | 128 | 166 | ||||||
| Net profit | €m | -162 | -20 | 223 | 68 | 162 | 114 | 141 | 130 |
| EPS reported | € | 0.13 | 0.19 | ||||||
| Operating cashflow per share | € | 0.25 | 0.64 | ||||||
| Capex per share | € | 0.02 | 0.02 | ||||||
| FCF per share | € | 0.23 | 0.62 | ||||||
| Free cash flow | €m | 125 | 339 | ||||||
| Net debt | €m | 2,325 | 2,341 | ||||||
| Book value equity | €m | 2,236 | 2,251 | ||||||
| Book value per share | € | 4.10 | 4.13 | ||||||
| Number of shares | m | 544.99 | 544.99 | ||||||
| DPS (TTM paid) | € | 0.02 | 0.02 |
Financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 22.00 | - | ||||||
| P/B LTM | x | 0.70 | 0.72 | ||||||
| P/S LTM | x | 2.56 | 2.38 | ||||||
| P/FCF LTM | x | 12.47 | 4.77 | ||||||
| EV/EBITDA LTM | x | 25.22 | 19.51 | ||||||
| EV/Sales LTM | x | 4.36 | 5.81 | ||||||
| Earnings Yield LTM | % | 4.55% | 8.71% | ||||||
| FCF Yield | % | 8.02% | 20.94% | ||||||
| Quality | |||||||||
| ROE | % | 5.10% | 6.28% | ||||||
| ROIC | % | 0.37% | 0.46% | ||||||
| Operating margin | % | 14.26% | 17.33% | ||||||
| Gross margin | % | 72.26% | 74.53% | ||||||
| FCF/Sales | % | 13.93% | 35.39% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -40.91% | - | ||||||
| Sales Growth YoY | % | +59.16% | +1.04% | ||||||
| Net Income Growth YoY | % | -29.63% | +23.68% | ||||||
| FCF Growth | % | -89.93% | - | ||||||
| Operating Profit Growth | % | -1.54% | -13.09% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.61% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.05 | 0.14 | ||||||
| Net Debt/EBITDA | x | 15.17 | 11.53 | ||||||
| EBIT/Net interest | x | 0.44 | 0.60 | ||||||
| Net debt/market cap | % | 149.17% | 144.63% | ||||||
| Net debt/Equity | x | 1.04 | 1.04 | ||||||
| Gross debt/equity | x | 1.10 | 1.07 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
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.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Permanent TSB Group Holdings plc (PTSB.IR)
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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