Permanent TSB Group Holdings plc
Permanent TSB Group Holdings plc Fundamental Analysis
Permanent TSB Group Holdings plc (PTSB.IR) shows moderate financial fundamentals with a PE ratio of 14.01, profit margin of 14.34%, and ROE of 4.79%. The company generates $0.8B in annual revenue with weak year-over-year growth of 0.60%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 27.6/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze PTSB.IR's fundamental strength across five key dimensions:
Efficiency Score
WeakPTSB.IR struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPTSB.IR trades at attractive valuation levels.
Growth Score
WeakPTSB.IR faces weak or negative growth trends.
Financial Health Score
WeakPTSB.IR carries high financial risk with limited liquidity.
Profitability Score
WeakPTSB.IR struggles to sustain strong margins.
Key Financial Metrics
Is PTSB.IR Expensive or Cheap?
P/E Ratio
PTSB.IR trades at 14.01 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, PTSB.IR's PEG of 0.00 indicates potential undervaluation.
Price to Book
The market values Permanent TSB Group Holdings plc at 0.71 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -4.10 times EBITDA. This is generally considered low.
How Well Does PTSB.IR Make Money?
Net Profit Margin
For every $100 in sales, Permanent TSB Group Holdings plc keeps $14.34 as profit after all expenses.
Operating Margin
Core operations generate 26.92 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $4.79 in profit for every $100 of shareholder equity.
ROA
Permanent TSB Group Holdings plc generates $0.37 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Permanent TSB Group Holdings plc generates limited operating cash flow of $-209.00M, signaling weaker underlying cash strength.
Free Cash Flow
Permanent TSB Group Holdings plc generates weak or negative free cash flow of $-218.00M, restricting financial flexibility.
FCF Per Share
Each share generates $-0.40 in free cash annually.
FCF Yield
PTSB.IR converts -13.65% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.007
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.002
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.71
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.009
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.10
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.60
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.05
vs 25 benchmark
ROA
Return on assets percentage
0.004
vs 25 benchmark
ROCE
Return on capital employed
0.007
vs 25 benchmark
How PTSB.IR Stacks Against Its Sector Peers
| Metric | PTSB.IR Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.01 | 18.66 | Better (Cheaper) |
| ROE | 4.79% | 806.00% | Weak |
| Net Margin | 14.34% | -436.00% (disorted) | Strong |
| Debt/Equity | 1.10 | 1.00 | Neutral |
| Current Ratio | 0.60 | 662.02 | Weak Liquidity |
| ROA | 0.37% | -24578.00% (disorted) | Weak |
PTSB.IR outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Permanent TSB Group Holdings plc's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
35.23%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
350.14%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
807.73%
Industry Style: Value, Dividend, Cyclical
High Growth