Permanent TSB Group Holdings plc (PTSB.IR)

Permanent TSB Group Holdings plc (PTSB.IR) — VMCI valuation read

PTSB.IR screens at VMCI 48/100, a 2-point gap below the Financial Services sector median (50). For a mid-cap Permanent TSB Group Holdings plc share, that placement says the multi-pillar composite is richer or lower quality than the typical peer on a like-for-like basis.

PTSB.IR has logged no Form 4 insider activity over the trailing 30 days. The tape reads neither bullish nor bearish on insider conviction. The next signal sits with the 10-Q schedule and the analyst calendar.

**Investor frame.** Value: PTSB.IR trades at 18.0x earnings, 0% above the Financial Services median of 18.0x, while EV/EBITDA prints 9.0x against 12.0x for the Financial Services group. Quality: ROIC of 8.0% trails the Financial Services median (10.0%) by 2.0pp, the cleanest like-for-like comparison on capital efficiency. Risk: net debt to EBITDA of 2.2x is the rate-sensitivity line to watch, which sets the rate-cycle exposure for Permanent TSB Group Holdings plc.

PTSB.IR rose 2.2% over the trailing 7 days, with a -12.8% read on a 30-day basis.