About Permanent TSB Group Holdings plc (ILPMY) — Dividend Analysis 2026
Permanent TSB Group Holdings plc provides financial services to retail, and small and medium sized enterprises. It offers current accounts; retail, corporate, and institutional deposits; mortgages; consumer finance, including term loans, credit cards, and overdrafts; treasury assets; and wholesale funding services. The company also offers mobile and online banking services. It operates through a network of 25 branches in Dublin region, 25 branches in South and East region of the Republic of Ireland, 26 branches in North and West region of the Republic of Ireland. The company was formerly known as Irish Life & Permanent Group Holdings plc and changed its name to Permanent TSB Group Holdings plc in May 2012. Permanent TSB Group Holdings plc was founded in 1816 and is headquartered in Dublin, Ireland.
Is ILPMY a good dividend investment in 2026?
ILPMY offers a 0.52% forward yield with a 50% payout ratio. Strand Safety Score: 85/100 (Very Safe). The 5-year dividend CAGR of -50% is modest — investors should weigh current income against growth alternatives.
ILPMY DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your ILPMY portfolio grows to $10.26M vs $10.24M without reinvestment. This is the compound interest effect in action.
ILPMY dividend growth history & forecast
ILPMY has grown its dividend by 0% over the last year and -50% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 0.52%.
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 ILPMY Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold ILPMY.
Gross yield
0.52%
Tax rate
15.00%
After-tax yield
0.44%
Real yield (−CPI)
-2.36%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
0.52%
-2.28%
$52 / yr
🇺🇸 US Taxable (15%) ✓
15%
0.44%
-2.36%
$44 / yr
🇺🇸 US Taxable (20%)
20%
0.42%
-2.38%
$42 / yr
🇬🇧 UK ISA
0%
0.52%
-2.28%
$52 / yr
🇬🇧 UK Taxable
8.75%
0.47%
-2.33%
$47 / yr
🇨🇦 TFSA
0%
0.52%
-2.28%
$52 / yr
🇨🇦 CA Taxable
25%
0.39%
-2.41%
$39 / yr
🇦🇺 Super (pension)
15%
0.44%
-2.36%
$44 / yr
🇦🇺 AU Taxable
30%
0.36%
-2.44%
$36 / yr
🇩🇪 DE Taxable
26.375%
0.38%
-2.42%
$38 / yr
🇫🇷 FR Taxable
30%
0.36%
-2.44%
$36 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 ILPMY Income Goal & Break-Even
Dividend Break-Even
50yr+
Years for dividends to fully repay your ILPMY investment of $3.88/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$43.80
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$-2428.49
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in ILPMY for:
Shares needed
1,411,765
Capital required
$5,477,648
Monthly income
$2,000
Based on current dividend of $0.02/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 ILPMY Dividend Payment Schedule
ILPMY pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$0.04 / payment
$0.17 / year after tax
100 shares
$0.42 / payment
$1.70 / year after tax
1,000 shares
$4.25 / payment
$17.00 / year after tax
📊 ILPMY vs Financial Services Benchmarks
How ILPMY compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▼-2.38% vs sectorBelow avg
ILPMY
0.52%
avg
2.90%
5Y Dividend CAGR▼-57.10% vs sectorBelow avg
ILPMY
-50.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
ILPMY
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for ILPMY sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ ILPMY Insider Activity
No recent SEC filings reported in the last 90 days.
📅
Next Earnings Report: 2026-07-30(in 121 days)
🔬
Financial Health Scores
Altman Z-Score
0.20
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
6/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the ILPMY dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →