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Permanent TSB Group Holdings PLC

Permanent TSB Group Holdings PLC

PTSB · LSE · Financial Services / Banks - Regional

2.86EUR-0.01 (-0.17%)

Price History

Full chart

Market Stats

Previous Close2.87
Open2.94
Day Range2.86 – 2.96
52-Week Range2.09 – 3.32
Volume830
Market Cap1.69B
P/E (TTM)16.32
Forward P/E10.86
EPS0.19
Dividend Yield0.62%
Beta0.46
50-Day Avg2.96
200-Day Avg2.97

About

Permanent TSB Group Holdings plc operates in the retail, and small and medium sized enterprises (SME) banking sectors in the Republic of Ireland. The company offers transactional banking, lending, saving, and deposit taking services. It provides its products and services through branch network, brokers, direct, digital and SME channels. The company was founded in 1816 and is based in Dublin, Ireland.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Eamonn Crowley
  • Employees2.99K
  • Headquarters56-59 St. Stephen?s Green, Dublin, Ireland, 2, UK
  • Websitehttps://www.permanenttsbgroup.ie

Leadership

  • Mr. Eamonn CrowleyCEO & Executive Director · b. 1970
  • Mr. Barry D'ArcyCFO & Executive Director · b. 1974
  • Mr. Peter VanceChief Operating Officer
  • Mr. Tom HayesChief Technology & Innovation Officer
  • Mr. Andrew WalshChief Legal Officer
  • Mr. Ger MitchellChief Customer & People Officer
  • Ms. Leontia FanninChief Sustainability & Corporate Affairs Officer
  • Mr. Patrick FarrellChief Retail Banking Officer
  • Ms. Fiona McMahonChief Risk Officer
  • Mr. Conor RyanGroup Company Secretary & Head of Corporate Governance · b. 1972

Financials

Income Statement

Currency: EUR2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue627.00M561.00M542.00M495.00M441.00M431.00M501.00M826.00M670.00M897.60M
Growth (%)--10.53%-3.39%-8.67%-10.91%-2.27%+16.24%+64.87%-18.89%+33.97%
Cost of Revenue-----41.00M55.00M158.00M287.00M249.00M
Gross Profit627.00M561.00M542.00M495.00M441.00M361.00M413.00M668.00M670.00M648.60M
Gross Margin100.00%100.00%100.00%100.00%100.00%83.76%82.44%80.87%100.00%72.26%
Operating Expense----549.00M359.00M412.00M561.00M540.00M520.60M
Operating Income-----108.00M2.00M1.00M107.00M130.00M128.00M
Operating Margin-----24.49%0.46%0.20%12.95%19.40%14.26%
EBITDA-182.00M22.00M27.00M33.00M-130.00M26.00M319.00M146.00M250.00M155.00M
EBITDA Margin-29.03%3.92%4.98%6.67%-29.48%6.03%63.67%17.68%37.31%17.27%
Net Income-266.00M40.00M3.00M30.00M-162.00M-20.00M223.00M68.00M162.00M114.00M
Net Income Margin-42.42%7.13%0.55%6.06%-36.73%-4.64%44.51%8.23%24.18%12.70%
Interest Expense14.00M16.00M18.00M12.00M41.00M41.00M55.00M158.00M287.00M288.00M
Interest Expense % of Total Revenue2.23%2.85%3.32%2.42%9.30%9.51%10.98%19.13%42.84%32.09%

Balance Sheet

Currency: EUR2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets23.62B22.77B21.81B20.28B20.99B22.26B25.96B27.75B28.93B30.48B
Total Liabilities21.64B20.78B19.95B18.40B19.28B20.59B23.93B25.34B26.40B28.24B
Total Equity1.98B1.99B1.86B1.88B1.71B1.67B2.03B2.42B2.53B2.24B
Cash-96.00M-90.00M-82.00M-78.00M3.05B3.92B1.81B1.95B2.12B100.00M
Total Debt4.37B3.62B2.77B1.09B1.09B1.28B1.93B2.57B2.50B2.45B
Net Debt4.47B3.71B2.85B1.17B-1.96B-2.64B117.00M625.00M-2.12B2.35B

Cash Flow

Currency: EUR2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow267.00M-14.00M-1.06B1.17B2.35B719.00M283.00M391.00M1.28B134.00M
Investing Cash Flow2.86B471.00M1.54B784.00M-639.00M26.00M-5.60B-2.14B-1.09B-1.93B
Financing Cash Flow-3.00B-111.00M-843.00M-1.56B104.00M103.00M3.29B1.69B-61.00M1.31B
Capital Expenditure28.00M20.00M32.00M36.00M54.00M24.00M61.00M24.00M15.00M9.00M
Free Cash Flow239.00M-34.00M-1.10B1.14B304.00M-89.00M222.00M367.00M413.00M125.00M
Dividends Paid10.00M---------
FCF to OCF89.51%242.86%103.00%96.93%12.93%-12.38%78.45%93.86%32.22%93.28%
Dividend Paid to FCF4.18%---------

Earnings

Report DateMar 14, 2018May 30, 2018Aug 29, 2018Nov 28, 2018Feb 27, 2019May 9, 2019Jul 25, 2019Nov 6, 2019Feb 26, 2020Jun 3, 2020Aug 4, 2020Nov 3, 2020Mar 3, 2021May 5, 2021Jul 27, 2021Oct 28, 2021Mar 2, 2022May 3, 2022Jul 27, 2022Nov 11, 2022Mar 1, 2023May 2, 2023Aug 2, 2023Oct 25, 2023Mar 7, 2024May 8, 2024Aug 1, 2024Oct 29, 2024Mar 4, 2025Jul 30, 2025Mar 4, 2027
EPS Estimate0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.350.28-
EPS Actual0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.010.04-
Surprise-----------------------------97.14%-87.50%-
Timing------------------------Pre-market----Pre-marketPre-market

Key Statistics & Ratios

Market Cap1.69B
Enterprise Value2.19B
Trailing P/E16.32
Forward P/E10.86
Price / Sales2.38
Price / Book0.65
EPS0.19
Book Value4.13
Revenue (TTM)710.00M
Gross Profit (TTM)710.00M
Profit Margin19.86%
Operating Margin30.18%
Return on Equity5.61%
Return on Assets0.47%
Shares Outstanding544.99M
Shares Float501.16M
Beta0.46
Dividend Yield0.62%
Dividend Rate0.02
Payout Ratio9.81%

Dividends

20261×
0.02Apr 9, 2026