Permanent TSB Group Holdings PLC (ILPMY) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Permanent TSB Group Holdings PLC $3.22, price $3.35, upside -3.9%, quality 53 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $1.24 – $4.16 · fair‑value band $2.42 – $3.25 · the $3.35 price screens above the $3.22 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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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.
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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.
Stock analysis
Permanent TSB Group Holdings PLC ADR (ILPMY) currently trades at $3.35, while our model-based Fair Value estimate is $3.22, so the stock looks roughly fairly valued today (gap 4.0%).
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Valuation
Bull case: the Economic Profit group reads highest at a median of $3.29 per share, and 1 of the 6 models we run sit above the $3.35 price.
Bear case: the Dividend Discount group reads lowest at $1.14, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $2.42 (bear) to $3.25 (bull), the price of $3.35 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Permanent TSB Group Holdings PLC ADR reported revenue of €862M in FY2025 versus €361M in FY2021, a compound +24.3%/yr. Reported net income was €110M in FY2025.
Key figures
Market cap $1.8B · P/E ratio 21.4 · P/S ratio 2.72 · EPS (TTM) $0.1500 · Dividend yield 0.5% · Net margin 12.7% · Return on equity 4.6% · Return on assets (EBIT) 0.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 19% below its 52-week high and 36% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −4%, ILPMY screens cheaper than that median.
Fair Value models
Bear $2.42Fair Value $3.22Bull $3.25
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.0998 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.85/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+28.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+28.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+31.4%
Start year 2020 (pandemic)
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.5%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+25.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+24.9%
Dividend (yield on the price)0.5%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−20% → 14%
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+10.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+1.7%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in EUR, euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about +7.6% a year for the price and −0.5% for the forecasts.
Compare Permanent TSB Group Holdings PLC ADR with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1060 stocks
Beats the industry median on 4/14 measures
Overall it trails its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside+0.3% · Above median
Profitability
Return on equity (TTM)4.6% · Bottom 25%
Return on assets0.4% · Bottom 25%
Net margin (TTM)16.4% · Bottom 25%
Operating margin (TTM)40.9% · Above median
Growth and dividend
Revenue growth5.7% · Below median
Dividend yield (TTM)0.5% · Bottom 25%
Balance sheet
Debt / equity0.41× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Permanent TSB Group Holdings PLC ADR Fair Value". https://www.fairvalue-calculator.com/stock/ILPMY
Frequently asked questions
Is Permanent TSB Group Holdings PLC (ILPMY) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $3.22 versus the last price from Sep 25, 2026 of $3.35, about −4% upside (fairly valued).
What is the fair value of ILPMY?
Our model-based fair value for Permanent TSB Group Holdings PLC ADR is $3.22 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $3.35.
What is the quality score of ILPMY?
Permanent TSB Group Holdings PLC ADR has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Permanent TSB Group Holdings PLC (ILPMY)?
Our model-based price target is the fair value of $3.22 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $2.42, optimistic scenario $3.25. It is a calculation from audited fundamentals, not an analyst target.
What is the Permanent TSB Group Holdings PLC ADR stock forecast for 2026?
Our models put fair value at $3.22, about −4% upside versus the last price from Sep 25, 2026 of $3.35 (fairly valued). Cautious scenario $2.42, optimistic scenario $3.25. The calculation is refreshed regularly with new filings.
What is the revenue of Permanent TSB Group Holdings PLC (ILPMY)?
Permanent TSB Group Holdings PLC ADR reported trailing-twelve-month revenue of about €694M (latest available figure, as of Sep 24, 2026).
Does Permanent TSB Group Holdings PLC ADR pay a dividend?
Permanent TSB Group Holdings PLC ADR currently shows a dividend yield of about 0.54% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Permanent TSB Group Holdings PLC (ILPMY)?
For today's price to be fair in a discounted-cash-flow model, Permanent TSB Group Holdings PLC ADR would have to grow free cash flow by +10.0 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +31.4 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of ILPMY use?
Our models discount Permanent TSB Group Holdings PLC ADR at 9.8 %: a base by market capitalisation (small), damped by beta 0.47, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Permanent TSB Group Holdings PLC ADR that is +10.0 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has Permanent TSB Group Holdings PLC (ILPMY) delivered so far?
Over the past 5 years revenue at Permanent TSB Group Holdings PLC ADR grew +31.4 % a year. The price currently implies +10.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Permanent TSB Group Holdings PLC (ILPMY) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Permanent TSB Group Holdings PLC ADR (+10.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Permanent TSB Group Holdings PLC (ILPMY)?
The free-cash-flow yield on the price is 7.40 %: that much free cash flow Permanent TSB Group Holdings PLC ADR produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Permanent TSB Group Holdings PLC (ILPMY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Permanent TSB Group Holdings PLC ADR it is $3.22 per share (as of Sep 24, 2026), against a price of $3.35. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Permanent TSB Group Holdings PLC ADR stock overvalued or undervalued in 2026?
As of Sep 24, 2026, ILPMY trades above its calculated fair value: price $3.35, fair value $3.22, a gap of about −4% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ILPMY?
No. The price is what the market pays today ($3.35); the fair value is what the company's own numbers justify ($3.22). For Permanent TSB Group Holdings PLC ADR the two are $0.1300 per share apart. That gap is exactly why we show both numbers side by side.
How much is Permanent TSB Group Holdings PLC ADR worth?
The market values Permanent TSB Group Holdings PLC ADR at about $1.8B (market capitalisation, as of Sep 24, 2026). Per share that is $3.35; our models calculate a fair value of $3.22 per share.
What do the bullish and bearish scenarios say about ILPMY?
Our models span a range for Permanent TSB Group Holdings PLC ADR: cautious scenario $2.42, base $3.22, optimistic $3.25 per share (as of Sep 24, 2026, price $3.35). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ILPMY?
Permanent TSB Group Holdings PLC ADR trades at a price-to-earnings ratio of 21.4 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $3.22 is built from several models across several years. Other multiples: P/B 0.8, P/S 2.6, EV/EBITDA 17.7.
How solid is the balance sheet of Permanent TSB Group Holdings PLC (ILPMY)?
Balance-sheet figures for Permanent TSB Group Holdings PLC ADR (as of Sep 24, 2026): return on equity 4.6%, debt of 0.41 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is ILPMY from its 52-week high?
Permanent TSB Group Holdings PLC ADR trades at $3.35, about 19% below its 52-week high of $4.16 and 36% above the low of $2.47 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $3.22 is for.
Which stocks are comparable to Permanent TSB Group Holdings PLC ADR?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Permanent TSB Group Holdings PLC ADR stock attractive at the current price?
The data as of Sep 24, 2026: price $3.35, calculated fair value $3.22 (−4%), Quality Score 53/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ILPMY calculated?
We run Permanent TSB Group Holdings PLC ADR through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $3.22, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Permanent TSB Group Holdings PLC ADR itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Permanent TSB Group Holdings PLC (ILPMY)?
The latest price we hold is from Sep 25, 2026 and stands at $3.35. Our model-based fair value is $3.22, about −4% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Permanent TSB Group Holdings PLC ADR right now?
The price sits above even our optimistic bull case ($3.25). The favourable scenario is already priced in. The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Permanent TSB Group Holdings PLC ADR
How large is the market capitalisation of Permanent TSB Group Holdings PLC (ILPMY)?
The market capitalisation of Permanent TSB Group Holdings PLC ADR is $1.8B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Permanent TSB Group Holdings PLC (ILPMY)?
The price-to-sales ratio of Permanent TSB Group Holdings PLC ADR is 2.72 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Permanent TSB Group Holdings PLC (ILPMY)?
Earnings per share at Permanent TSB Group Holdings PLC ADR are $0.1500 (price ÷ EPS = P/E 21.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Permanent TSB Group Holdings PLC (ILPMY)?
The dividend yield of Permanent TSB Group Holdings PLC ADR is 0.5% (payout 12.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Permanent TSB Group Holdings PLC (ILPMY)?
The net margin of Permanent TSB Group Holdings PLC ADR is 12.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Permanent TSB Group Holdings PLC (ILPMY)?
The return on equity (ROE) of Permanent TSB Group Holdings PLC ADR is 4.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Permanent TSB Group Holdings PLC (ILPMY)?
On an EBIT basis the return on assets of Permanent TSB Group Holdings PLC ADR is 0.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Permanent TSB Group Holdings PLC (ILPMY)?
The operating margin of Permanent TSB Group Holdings PLC ADR is 40.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Permanent TSB Group Holdings PLC (ILPMY)?
Revenue at Permanent TSB Group Holdings PLC ADR is growing +5.7% versus a year earlier (3y avg +28.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net debt does Permanent TSB Group Holdings PLC (ILPMY) carry?
The net debt of Permanent TSB Group Holdings PLC ADR is €2.3B (fiscal year 2025, ≈ 19.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Sep 24, 2026