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Permanent TSB Group Holdings plc

Data quality: 100%
Overbought
ILPMF
OTC Financial Services Banks - Regional
$3.99
▲ $0.29 (7.84%)
Mkt Cap: 2.17B
Also listed as ILPMY OTC
Day Range
$3.99 $3.99
52-Week Range
$1.60 $3.99
Volume
810
50D / 200D Avg
$3.56 / $2.76
Prev Close
$3.99

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 16.2 10.3
P/B 0.8 1.1
ROE % 5.2 11.7
Net Margin % 12.7 16.8
Rev Growth 5Y % 30.7 11.7
D/E 1.1 0.5

Key Takeaways

Revenue grew 30.72% annually over 5 years — strong growth
Earnings declined -17.35% over the past year
Generating 146.81M in free cash flow
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 26.63%
Cash machine — converts 109.65% of earnings into free cash flow
Capital efficient — spends only 1.00% of revenue on capex

Growth

Revenue Growth (5Y)
30.72%
Revenue (1Y)57.35%
Earnings (1Y)-17.35%
FCF Growth (3Y)-70.72%

Quality

Return on Equity
5.19%
ROIC2.05%
Net Margin12.70%
Op. Margin14.26%

Safety

Debt / Equity
1.10
Current Ratio0.75
Interest Coverage0.44

Valuation

P/E Ratio
16.24
P/B Ratio0.83
EV/EBITDA32.83
Dividend Yield0.00%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 57.35% Revenue Growth (3Y) 25.63%
Earnings Growth (1Y) -17.35% Earnings Growth (3Y) 40.32%
Revenue Growth (5Y) 30.72% Earnings Growth (5Y) N/A
Profitability
Revenue (TTM) 1.05B Net Income (TTM) 133.89M
ROE 5.19% ROA 0.37%
Gross Margin 72.26% Operating Margin 14.26%
Net Margin 12.70% Free Cash Flow (TTM) 146.81M
ROIC 2.05% FCF Growth (3Y) -70.72%
Safety
Debt / Equity 1.10 Current Ratio 0.75
Interest Coverage 0.44 Dividend Yield 0.00%
Valuation
P/E Ratio 16.24 P/B Ratio 0.83
P/S Ratio 2.06 PEG Ratio -0.53
EV/EBITDA 32.83 Dividend Yield 0.00%
Market Cap 2.17B Enterprise Value 4.94B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 1.05B 670.00M 668.00M 406.00M 361.00M
Net Income 133.89M 162.00M 68.00M 223.00M -20.00M
EPS (Diluted) 0.15 0.22 0.05 0.45 -0.09
Gross Profit 761.79M 670.00M 668.00M 406.00M 361.00M
Operating Income 150.34M 130.00M 210.00M 87.00M 93.00M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 35.80B 28.93B 27.76B 25.93B 22.24B
Total Liabilities 33.17B 26.40B 25.34B 23.54B 20.45B
Shareholders' Equity 2.63B 2.53B 2.42B 2.40B 1.79B
Total Debt 2.88B 1.93B 1.80B 948.00M 807.00M
Cash & Equivalents 117.45M 2.12B 1.95B 1.81B 3.92B
Current Assets 145.64M 2.12B 2.00B 1.81B 3.92B
Current Liabilities 194.97M 0.0 0.0 0.0 0.0

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
Custom Cash Flow Compounder
#519 of 1024
45

Recent Activity

Entered Cash Flow Compounder
Mar 24, 2026