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
1/10
| 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
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
12-1 Month Momentum % | 88.67 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Dividend Growth Rate | 11.6 | |||||
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 % | -5.94 | |||||
OCF Margin % | -0.66 | |||||
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 | 10.53 | |||||
Forward PE Ratio | 7.77 | |||||
PE Ratio without NRI | 10.14 | |||||
Shiller PE Ratio | 10.98 | |||||
PEG Ratio | 1.07 | |||||
PS Ratio | 0.86 | |||||
PB Ratio | 1 | |||||
Price-to-Tangible-Book | 1.16 | |||||
EV-to-Forward-EBITDA | 13.23 | |||||
EV-to-Revenue | 1.74 | |||||
EV-to-Forward-Revenue | 1.21 | |||||
EV-to-FCF | -29.27 | |||||
Price-to-GF-Value | 1.62 | |||||
Price-to-Projected-FCF | 0.72 | |||||
Price-to-Median-PS-Value | 1.69 | |||||
Price-to-Peter-Lynch-Fair-Value | 1.07 | |||||
Price-to-Graham-Number | 0.72 | |||||
FCF Yield % | -7.19 | |||||
Forward Rate of Return (Yacktman) % | 15.95 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Total Annual Return % Â
International Personal Finance PLC Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 897.52 | ||
| EPS (TTM) ($) | 0.318 | ||
| Beta | -1.3394 | ||
| 3-Year Sharpe Ratio | 0.77 | ||
| 3-Year Sortino Ratio | 57.99 | ||
| Volatility % | 91.75 | ||
| 14-Day RSI | - | ||
| 14-Day ATR ($) | 0.000007 | ||
| 20-Day SMA ($) | 2.83 | ||
| 12-1 Month Momentum % | 88.67 | ||
| 52-Week Range ($) | 1.5 - 2.86 | ||
| Shares Outstanding (Mil) | 222.13 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 3 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
International Personal Finance PLC Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
International Personal Finance PLC Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Second quarter earnings conference call for 2026 | 2026-07-29 | In 34 days | ||
| Second quarter earnings results for 2026 | 2026-07-29 | In 34 days | ||
| General meeting for 2026 | 2026-04-30 09:30 | 2.83 (+0.00%) | ||
| GBP 0.090000 Cash Dividend | 2026-03-26 | 2.83 (+0.00%) | ||
| Annual report for 2025 | 2026-03-20 | 2.83 (+0.00%) | ||
| Fourth quarter earnings conference call for 2025 | 2026-02-25 | 2.83 (+0.00%) | ||
| Fourth quarter earnings results for 2025 | 2026-02-25 | 2.83 (+0.00%) | ||
| GBP 0.038000 Cash Dividend | 2025-08-28 | 2.83 (+0.00%) | ||
| Second quarter earnings conference call for 2025 | 2025-07-30 | 1.50 (+0.00%) | ||
| Second quarter earnings results for 2025 | 2025-07-30 | 1.50 (+0.00%) |
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International Personal Finance PLC Frequently Asked Questions
What is International Personal Finance PLC(IPFPF)'s stock price today?
The current price of IPFPF is $2.83. The 52 week high of IPFPF is $2.86 and 52 week low is $1.50.
When is next earnings date of International Personal Finance PLC(IPFPF)?
The next earnings date of International Personal Finance PLC(IPFPF) is 2026-07-29.
Does International Personal Finance PLC(IPFPF) pay dividends? If so, how much?
International Personal Finance PLC(IPFPF) does not pay dividend.
Guru Commentaries on OTCPK:IPFPF
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Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on International Personal Finance PLC
No articles.
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