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Permanent TSB Group Holdings plc ILPMY OTC

Other OTC • Financial Services • Banks - Regional • IE • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Permanent TSB Group Holdings plc (ILPMY) is a Banks - Regional company in the Financial Services sector, currently trading at $3.80. It has a SharesGrow Score of 57/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $862M, +30.2%/yr average growth. Net income is $110M, growing at +12.1%/yr. Net profit margin is 12.7% (healthy). Gross margin is 72.3% (-27.7 pp trend).

Balance sheet: total debt is $2.4B against $2.2B equity (Debt-to-Equity (D/E) ratio 1.1, moderate). Current ratio is 0.75 (tight liquidity). Debt-to-assets is 8%. Total assets: $30.5B.

Analyst outlook: 0 / 1 analysts rate ILPMY as buy (0%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 60/100 (Pass), Growth 90/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 55/100 (Partial), Future 20/100 (Fail), Income 55/100 (Partial).

ILPMY SharesGrow Score Overview

57/100

SharesGrow Score

Above average fundamentals

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VALUE 60/100

Valuation — P/E, PEG, Forward PEG

GROWTH 90/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 17/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 55/100

Gross margin is + market cap

FUTURE 20/100

Analyst outlook — as buy

INCOME 55/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — ILPMY

ILPMY trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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ILPMY: +30.2%/yr revenue is, +12.1%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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ILPMY: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet ILPMY: Debt-to-Equity (D/E) ratio 1.1 (moderate), Current ratio is 0.75 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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ILPMY: Gross margin is 72.3% (-27.7 pp trend), $2B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 55/100. ≥ 70 = Pass.

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Analyst outlook: 0 / 1 analysts rate ILPMY as buy (0%). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.

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ILPMY: Net profit margin is 12.7%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range1.629-4.18

Volume3.6K

Avg Volume (30D)24

Market Cap$2.07B

Beta (1Y)0.56

Dividend Yield$0.0200

Share Statistics

EPS (TTM)0.13

Shares Outstanding$544.99M

IPO Date2015-08-11

Employees3,359

CEOEamonn Crowley

Financial Highlights & Ratios

Revenue (TTM)$862.17M

Gross Profit$623M

EBITDA$148.88M

Net Income$109.5M

Operating Income$122.95M

Total Cash$123.95M

Total Debt$2.45B

Net Debt$2.35B

Total Assets$30.47B

Price / Earnings (P/E)29.2

Price / Sales (P/S)2.4

Analyst Forecast

Rating ConsensusSell

Analysts Covering1

Buy 0% Hold 0% Sell 100%

Company Info

CountryIE

ExchangeOther OTC

CurrencyUSD

ISINUS7142031068

Price Chart

ILPMY

Permanent TSB Group Holdings plc ↗ · Other OTC

Financial Services • Banks - Regional

1.63 52WK RANGE 4.18

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