Sector pending / Commercial BanksUpdated 2026-05-10 22:07 UTC

FRA/IL0A stock hub

FRA/IL0A has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

1.6B

Frankfurt Stock Exchange

Market data

Price

Recent price action with selectable time range.

FRA/IL0AFRA/IL0A

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In the news

Latest news · FRA/IL0A

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

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Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E12.4

P25 n/aP50 n/aP75 n/a

Trailing P/E22.3

P25 n/aP50 n/aP75 n/a

ROE4.5

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/IL0A market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

163

Groups with data

Currency

EUR

Showing 163 of 163 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Ireland
Country code	DE
Employees	3,223
Employees Change	-152%
Employees Change Percent	-4.53
Exchange	Frankfurt Stock Exchange
Financial currency	EUR
First seen	2026-05-10
Industry	Commercial Banks
Last refreshed	2026-05-10
Market cap	EUR 1.6B
Price	EUR 2.72
Price currency	EUR
Rev Per Employee	215,327.33x
Sic	6020
Symbol	fra/IL0A
Website	https://www.permanenttsbgroup.ie

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	4.48%
FCF yield	-42.06%
Forward P/E	12.38x
P/B ratio	0.64x
P/E ratio	22.34x
P/S ratio	2.29x
PE Ratio10 Y	12.75x
PE Ratio3 Y	13.6x
PE Ratio5 Y	15.54x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	EUR 694M
Net Income	EUR 71M
Net Income Growth	-29.63%
Net Income Growth3 Y	4.07%
Net Income Growth5 Y	-22.68%
Pretax Margin	18.44%
Profit Margin	16.43%
Profit Per Employee	EUR 22,029
ROA	0.38
Roa5y	0.41
ROE	4.55
Roe5y	4.7

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	0.69%
Cagr1y	77.86%
Cagr3y	6.76%
Cagr5y	15.02%
EPS Growth	-40.09
EPS Growth Q	-0.01
EPS Growth3 Y	4.48
EPS Growth5 Y	-23.59
Revenue Growth	-1.14x
Revenue Growth Q	5.68x
Revenue Growth3 Y	0.78x
Revenue Growth5 Y	6.65x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	EUR 30.5B
Cash	EUR 1.7B
Debt	EUR 2.1B
Debt FCF	EUR -3.16
Equity	EUR 2.5B
Liabilities	EUR 28B
Net Cash	EUR -414M
Net Cash By Market Cap	EUR -26.1
Net Debt Equity	EUR 0.17
Tangible Book Value	EUR 2.2B
Tangible Book Value Per Share	EUR 3.62

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	EUR -23.9B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	0.09%
Dividend Growth	0%
Dividend Growth Years	1%
Dividend per share	EUR 0.02
Dividend Years	1
Dividend Yield	0.67%
Ex Div Date	2026-04-09
Last Dividend	EUR 0.02
Payout Ratio	37.72%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	7.16%
1Y total return	77.79%
200-day SMA	2.66
3Y total return	21.69%
50-day SMA	2.89
50-day SMA vs 200-day SMA	50over200
5Y total return	101.32%
All Time High	5.59
All Time High Change	-51.35%
All Time High Date	2015-04-14
All Time Low	0.31
All Time Low Change	777.42%
All Time Low Date	2020-03-19
ATR	0.1
Ch YTD	-2.16
High	2.72
High52	3.28
High52 Date	2026-03-18
High52ch	-17.07%
Low	2.72
Low52	1.52
Low52 Date	2025-05-08
Low52ch	78.95%
Ma50ch	-5.91%
Price vs 200-day SMA	2.45%
RSI	45.08
RSI Monthly	62.24
RSI Weekly	48.7
Sharpe ratio	0.91x
Sortino ratio	1.76
Total Return	0.76%
Tr YTD	-1.51
Tr1m	-2.56%
Tr1w	-1.45%
Tr3m	-7.81%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 232M
Operating margin	33.43

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	501,160,470%
Net Borrowing	93,000,000
Shares Institutions	17.24%
Shares Qo Q	0%
Shares Yo Y	-0.09%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR -667M
Average Volume	1,812.9x
Bv Per Share	4.1
CAPEX	EUR -9M
Ch10y	6.46
Ch1m	-3.2
Ch1w	-1.45
Ch1y	76.62
Ch3m	-8.42
Ch3y	20.89
Ch5y	100
Ch6m	-15.79
Change	-5.56%
Change From Open	0
Close	2.88
Days Gap	-5.56
Earnings Date	2026-07-29
EPS	EUR 0.13
F Score	2
FCF	EUR -667M
Financing CF	1,208,000,000
Fiscal Year End	December
Founded	1,816
Graham Number	3.41444
Graham Upside	25.53
Income Tax	EUR 14M
Investing CF	-1,028,000,000
Is Primary Listing	0
Last Earnings Date	2026-03-05
Last Report Date	2025-12-31
Last Split Date	2015-04-13
Last Split Type	Reverse
Lynch Fair Value	EUR 0.61
Lynch Upside	-77.62
Ma150	2.83
Ma150ch	-3.75%
Ma20	2.81
Ma20ch	-3.27%
Net CF	-478,000,000
Next Earnings Date	2026-07-29
Open	2.72
Payment Date	2026-05-19
Ppne	189,000,000
Price Date	2026-05-08
Ptbv Ratio	0.72
Relative Volume	2.18x
Revenue	694,000,000x
Tax By Revenue	2.02x
Tax Rate	10.94%
Tr6m	-15.23%

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/IL0A dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+0.7%

$0.02 annual per share

Payout ratio

+37.7%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

n/a

1 consecutive years of growth

Total shareholder yield

+0.8%

Next ex-dividend date: 2026-04-09

Performance

FRA/IL0A stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/IL0A?

Insider, institutional, and short-interest positioning.

Institutional ownership

+17.2%

Share of float held by funds and institutions

Insider ownership

n/a

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-0.1%

Negative means the company is buying back shares.

Technical

FRA/IL0A momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

45.1

Neutral momentum band

Price vs 200-day MA

+2.4%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.91

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/IL0A

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/IL0A stock rating?

fra/IL0A is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/IL0A analysis?

The full report lives at /stocks/fra/IL0A/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/IL0A?

The latest report frames fra/IL0A around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/IL0A page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.