Business Description
International Personal Finance PLC
ISIN : GB00B1YKG049
Description
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 | 0.15 | |||||
| Equity-to-Asset | 0.4 | |||||
| Debt-to-Equity | 1.18 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 6/9 | |||||
| Beneish M-Score | -2.42 | |||||
| WACC vs ROIC | ||||||
Growth Rank
5/10
| 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 EPS without NRI Growth Rate Estimate | 7.67 | |||||
| Future 3-5Y Total Revenue Growth Rate Estimate | 7.8 |
Momentum Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 41.23 | |||||
| 9-Day RSI | 41.58 | |||||
| 14-Day RSI | 41.33 | |||||
| 3-1 Month Momentum % | -13.96 | |||||
| 6-1 Month Momentum % | 4.74 | |||||
| 12-1 Month Momentum % | 12.77 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 8.15 | |||||
| Dividend Payout Ratio | 0.43 | |||||
| Forward Dividend Yield % | 8.15 | |||||
| 5-Year Yield-on-Cost % | 8.19 | |||||
| 3-Year Average Share Buyback Ratio | 1.5 | |||||
| Shareholder Yield % | 10.75 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 7.15 | |||||
| FCF Margin % | 7.52 | |||||
| ROE % | 10.17 | |||||
| ROA % | 4.13 | |||||
| Years of Profitability over Past 10-Year | 9 |
GF Value Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 6.44 | |||||
| Forward PE Ratio | 5.68 | |||||
| PE Ratio without NRI | 5.48 | |||||
| Shiller PE Ratio | 5.55 | |||||
| Price-to-Owner-Earnings | 3.37 | |||||
| PEG Ratio | 1.57 | |||||
| PS Ratio | 0.46 | |||||
| PB Ratio | 0.62 | |||||
| Price-to-Tangible-Book | 0.7 | |||||
| Price-to-Free-Cash-Flow | 6.12 | |||||
| Price-to-Operating-Cash-Flow | 4.25 | |||||
| EV-to-Forward-EBIT | 10.71 | |||||
| EV-to-Forward-EBITDA | 4.45 | |||||
| EV-to-Revenue | 1.11 | |||||
| EV-to-Forward-Revenue | 1.25 | |||||
| EV-to-FCF | 14.89 | |||||
| Price-to-GF-Value | 0.87 | |||||
| Price-to-Projected-FCF | 0.38 | |||||
| Price-to-Median-PS-Value | 0.82 | |||||
| Price-to-Graham-Number | 0.41 | |||||
| FCF Yield % | 18.12 | |||||
| Forward Rate of Return (Yacktman) % | 21.51 |
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
International Personal Finance PLC Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil £) | 685.8 | ||
| EPS (TTM) (£) | 0.205 | ||
| Beta | 0.76 | ||
| 3-Year Sharpe Ratio | 0.14 | ||
| 3-Year Sortino Ratio | 0.22 | ||
| Volatility % | 26.77 | ||
| 14-Day RSI | 41.33 | ||
| 14-Day ATR (£) | 0.051257 | ||
| 20-Day SMA (£) | 1.316 | ||
| 12-1 Month Momentum % | 12.77 | ||
| 52-Week Range (£) | 0.992 - 1.66 | ||
| Shares Outstanding (Mil) | 219.07 |
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
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
International Personal Finance PLC Stock Events
| Event | Date | Price (£) | ||
|---|---|---|---|---|
| No Event Data | ||||
International Personal Finance PLC Frequently Asked Questions
What is International Personal Finance PLC(LSE:IPF)'s stock price today?
The current price of LSE:IPF is £1.30. The 52 week high of LSE:IPF is £1.66 and 52 week low is £0.99.
When is next earnings date of International Personal Finance PLC(LSE:IPF)?
The next earnings date of International Personal Finance PLC(LSE:IPF) is 2025-02-26.
Does International Personal Finance PLC(LSE:IPF) pay dividends? If so, how much?
The Dividend Yield %  of International Personal Finance PLC(LSE:IPF) is 8.15% (As of Today), Highest Dividend Payout Ratio of International Personal Finance PLC(LSE:IPF) was 0.47. The lowest was 0.12. And the median was 0.4. The  Forward Dividend Yield % of International Personal Finance PLC(LSE:IPF) is 8.15%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
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