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

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.08
Equity-to-Asset	0.42
Debt-to-Equity	1.07
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.42	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

6/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	3.5
	3-Year FCF Growth Rate	-38.5
	3-Year Book Growth Rate	12.3
	Future 3-5Y Total Revenue Growth Rate	7.83

Momentum Rank

7/10

	Name	Current	Vs Industry		Vs History

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	1.5
	Shareholder Yield %	14.1

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	6.95
	FCF Margin %	9.15
	ROE %	10.21
	ROA %	4.08
	Years of Profitability over Past 10-Year	9

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	5
	Forward PE Ratio	5.36
	PE Ratio without NRI	4.61
	Shiller PE Ratio	4.27
	Price-to-Owner-Earnings	2.59
	PEG Ratio	1.32
	PS Ratio	0.35
	PB Ratio	0.45
	Price-to-Tangible-Book	0.51
	Price-to-Free-Cash-Flow	3.8
	Price-to-Operating-Cash-Flow	2.8
	EV-to-Forward-EBITDA	13.23
	EV-to-Revenue	1.04
	EV-to-Forward-Revenue	1.21
	EV-to-FCF	11.39
	Price-to-Projected-FCF	0.3
	Price-to-Median-PS-Value	0.64
	Price-to-Graham-Number	0.32
	FCF Yield %	27.86
	Forward Rate of Return (Yacktman) %	26.94

Financials (Next Earnings Date:2024-08-01 Est.)

Annual Quarterly TTM

IPFPF's 30-Y Financials

AAPL

Income Statement Breakdown

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with OTCPK:IPFPF

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

International Personal Finance PLC Executives

Details

GF Value: $0.9

IPFPF

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with IPFPF. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	873.463
	EPS (TTM) ($)	0.255
	Beta	0.6
	Volatility %	13.34
	14-Day RSI	0
	14-Day ATR ($)	0
	20-Day SMA ($)	0.65
	12-1 Month Momentum %	0
	52-Week Range ($)	0.65 - 0.65
	Shares Outstanding (Mil)	224.71

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	6
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

International Personal Finance PLC Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

International Personal Finance PLC Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

International Personal Finance PLC Frequently Asked Questions

What is International Personal Finance PLC(IPFPF)'s stock price today?

The current price of IPFPF is $0.65. The 52 week high of IPFPF is $0.65 and 52 week low is $0.65.

When is next earnings date of International Personal Finance PLC(IPFPF)?

The next earnings date of International Personal Finance PLC(IPFPF) is 2024-08-01 Est..

Does International Personal Finance PLC(IPFPF) pay dividends? If so, how much?

International Personal Finance PLC(IPFPF) does not pay dividend.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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