permanent tsb Group Holdings PLC (ILPMF)
OTHER OTC:ILPMF
Earnings Data
Report Date
Jul 30, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
-0.01Same Quarter Last Year
Moderate Sell
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a predominantly constructive picture: strong lending and deposit growth, improved capital metrics driven by IRB approval, continued asset-quality strength with an impairment release, and demonstrated cost discipline including a meaningful headcount reduction. These positives were tempered by lower operating income and NII in 2025 due to the rate environment, an elevated cost-to-income ratio (though improving), one-off exceptional charges (EUR 47m) and disclosure/strategic constraints from the ongoing sale process. Management provided clear medium-term targets (NIM, RoTE, cost-income) and guidance that indicate a credible path to improved profitability and returns, making the overall tone optimistic despite near-term headwinds and some execution/market risks.Company Guidance
Strong Lending Growth — Highest in 18 Years
Total new lending of EUR 3.4 billion in 2025, up 31% year-on-year and the highest level in 18 years; mortgage new lending EUR 2.9 billion with PTSB taking a 20% market share (up from ~16% in 2024).
Deposit Growth and Balance Sheet Expansion
Customer deposits rose 6% (approx. EUR 1.5 billion), driving balance sheet growth of over 5% and pushing total assets above the EUR 30 billion regulatory threshold.
Capital Strength and IRB Model Approval
CET1 was 15.9% at year-end and pro forma CET1 rises to 17.5% after the new IRB mortgage models and loan sale; IRB approval and CRR3 combined reduced mortgage risk weights by ~9 percentage points year-on-year, translating to a pro forma RWA reduction of >EUR 900 million (approx. EUR 130 million capital benefit).
Profitability and Return Metrics
Profit before exceptional items and tax EUR 175 million (down 3% YoY, EUR 5 million) yielding a return on tangible equity of ~7.3%; management expects RoTE to rise to >9% in 2026 and toward 13% by 2028.
Net Interest Margin Recovery and Guidance
Reported NIM of 203 basis points for 2025 with Q4 exit NIM at 208 bps; management guidance targets >210 bps for 2026 (assumes ECB deposit rate at 2%).
Cost Control and Efficiency Progress
Total operating costs reduced 2% to EUR 519 million, better than guided EUR 525 million; FTEs reduced by 10% (329 headcount reduction to 2,918) and expected annualized savings of ~EUR 21 million; cost-to-income improving from >76% in H1 to ~74% in H2 with a 2026 target of <70% and medium-term target <60% by 2028.
Asset Quality and Provisioning
Impairment release of EUR 39 million for 2025 (fifth consecutive year of release); provision stock down to EUR 320 million (1.4% of loans) from EUR 392 million (1.8%); NPL ratio reduced to 1.4%.
First Dividend Since 2008
Proposed final dividend of EUR 10 million (approx. EUR 0.018 per share) — first dividend payment since 2008 and the first as a stand-alone business (regulatory approved).
Digital, Customer and Product Progress
Mortgage drawdowns via online portal up 55%; app customer ratings across iOS/Android effectively doubled year-on-year (monthly measure); relationship NPS in consumer banking increased 2 points to 24; net fees and commissions up 5% to EUR 58 million driven by current account income.
ILPMF Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
ILPMF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 05, 2026 | $3.68 | $3.68 | 0.00% |
Jul 31, 2025 | $2.42 | $2.42 | 0.00% |
Mar 04, 2025 | $1.60 | $1.60 | 0.00% |
Aug 01, 2024 | $1.65 | $1.71 | +3.89% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does permanent tsb Group Holdings PLC (ILPMF) report earnings?
permanent tsb Group Holdings PLC (ILPMF) is schdueled to report earning on Jul 30, 2026, Before Open (Confirmed).
What is permanent tsb Group Holdings PLC (ILPMF) earnings time?
permanent tsb Group Holdings PLC (ILPMF) earnings time is at Jul 30, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
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What is ILPMF EPS forecast?
Currently, no data Available