Business Description
International Personal Finance PLC
ISIN : GB00B1YKG049
Total Employee Number:
8,305Description
International Personal Finance PLC provides consumer loans. The company's segment is based on geographical regions: European home credit, Mexico home credit, and Digital. It generates maximum revenue from the European home credit segment. The company home credit business operates as the Provident brand and makes small, unsecured loans to customers with low or unstable incomes and little to no credit history. Its digital business provides loans and revolving credit lines that customers access online.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.05 | |||||
Equity-to-Asset | 0.41 | |||||
Debt-to-Equity | 1.17 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 3/9 | |||||
Beneish M-Score | -2.26 | |||||
WACC vs ROIC | ||||||
Growth Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 5.5 | |||||
3-Year EPS without NRI Growth Rate | 7.4 | |||||
3-Year FCF Growth Rate | -17.7 | |||||
3-Year Book Growth Rate | 7.6 |
Momentum Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 40.67 | |||||
9-Day RSI | 42.82 | |||||
14-Day RSI | 45.23 | |||||
3-1 Month Momentum % | -2.94 | |||||
6-1 Month Momentum % | 12.24 | |||||
12-1 Month Momentum % | 51.93 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 5.17 | |||||
Dividend Payout Ratio | 0.48 | |||||
3-Year Dividend Growth Rate | 11.6 | |||||
Forward Dividend Yield % | 5.17 | |||||
5-Year Yield-on-Cost % | 5.17 | |||||
3-Year Average Share Buyback Ratio | 0.5 | |||||
Shareholder Yield % | -6.27 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 8.14 | |||||
FCF Margin % | -5.96 | |||||
OCF Margin % | -0.68 | |||||
ROE % | 10.74 | |||||
ROA % | 4.39 | |||||
Years of Profitability over Past 10-Year | 9 |
GF Value Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 10.49 | |||||
Forward PE Ratio | 9.56 | |||||
PE Ratio without NRI | 10.1 | |||||
Shiller PE Ratio | 10.98 | |||||
PEG Ratio | 1.06 | |||||
PS Ratio | 0.86 | |||||
PB Ratio | 1 | |||||
Price-to-Tangible-Book | 1.16 | |||||
EV-to-Forward-EBIT | 10.71 | |||||
EV-to-Forward-EBITDA | 4.45 | |||||
EV-to-Revenue | 1.74 | |||||
EV-to-Forward-Revenue | 1.25 | |||||
EV-to-FCF | -29.27 | |||||
Price-to-GF-Value | 1.6 | |||||
Price-to-Projected-FCF | 0.72 | |||||
Price-to-Median-PS-Value | 1.68 | |||||
Price-to-Peter-Lynch-Fair-Value | 1.07 | |||||
Price-to-Graham-Number | 0.72 | |||||
FCF Yield % | -7.21 | |||||
Forward Rate of Return (Yacktman) % | 15.95 |
International Personal Finance PLC Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
International Personal Finance PLC Stock Events
| Event | Date | Price (£) | ||
|---|---|---|---|---|
| Second quarter earnings conference call for 2026 | 2026-07-29 | In 33 days | ||
| Second quarter earnings results for 2026 | 2026-07-29 | In 33 days | ||
| General meeting for 2026 | 2026-04-30 09:30 | 2.47 (-0.10%) | ||
| GBP 0.090000 Cash Dividend | 2026-03-26 | 2.55 (+0.00%) | ||
| Annual report for 2025 | 2026-03-20 | 2.55 (-0.20%) | ||
| Fourth quarter earnings conference call for 2025 | 2026-02-25 | 2.35 (-0.85%) | ||
| Fourth quarter earnings results for 2025 | 2026-02-25 | 2.35 (-0.85%) | ||
| GBP 0.038000 Cash Dividend | 2025-08-28 | 2.07 (-0.48%) | ||
| Second quarter earnings conference call for 2025 | 2025-07-30 | 1.79 (-0.39%) | ||
| Second quarter earnings results for 2025 | 2025-07-30 | 1.79 (-0.39%) |
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Entries
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on International Personal Finance PLC
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