IPFPF (International Personal Finance) Accounts Receivable: $0.0 Mil (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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IPFPF International Personal Finance PLC IPFPF
56 GF Score
Price $2.83
GF Value $1.79
! 8 Warning Signs
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What is International Personal Finance Accounts Receivable?

International Personal Finance IPFPF 56 Accounts Receivable is $0.0 Mil as of Dec. 2025. GuruFocus rates IPFPF with a GF Score™ of 56/100 and a GF Value™ of $1.79. The stock has 8 warning signs investors should review.

Accounts Receivable are created when a customer has received a product but has not yet paid for that product. International Personal Finance's accounts receivables for the quarter that ended in Dec. 2025 was $0.0 Mil.

Accounts receivable can be measured by Days Sales Outstanding. International Personal Finance's Days Sales Outstanding for the quarter that ended in Dec. 2025 was 0.00.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. International Personal Finance's Net-Net Working Capital per share for the quarter that ended in Dec. 2025 was $-4.65.

International Personal Finance Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

International Personal Finance's Days Sales Outstanding for the quarter that ended in Dec. 2025 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=0/472.825*91
=0.00

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), International Personal Finance's accounts receivable are only considered to be worth 75% of book value:

International Personal Finance's Net-Net Working Capital Per Share for the quarter that ended in Dec. 2025 is calculated as:

Net-Net Working Capital Per Share
=(Cash And Cash Equivalents+0.75 * Accounts Receivable+0.5 * Total Inventories-Total Liabilities
-Preferred Stock-Minority Interest)/Shares Outstanding (EOP)
=(40.696+0.75 * 0+0.5 * 0-1059.304
-0-0)/219.272
=-4.65

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Be Aware

Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.

International Personal Finance Accounts Receivable Related Terms

International Personal Finance Accounts Receivable Historical Data

* Premium members only.

The historical data trend for International Personal Finance's Accounts Receivable can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

International Personal Finance Accounts Receivable Chart

International Personal Finance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Accounts Receivable
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

International Personal Finance Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Accounts Receivable Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
IPFPF
56GF Score
International Personal Finance PLC IPFPF
Accounts Receivable is just one metric. See GF Score™, valuation, warning signs, and more.
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International Personal Finance Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

Frequently Asked Questions Learn more about Accounts Receivable →
What does a Accounts Receivable of $0.0 Mil mean?
International Personal Finance (IPFPF) has a Accounts Receivable of $0.0 Mil as of Dec. 2025. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on International Personal Finance and its competitors.
Is International Personal Finance's Accounts Receivable too high?
International Personal Finance's current Accounts Receivable is $0.0 Mil. Overall, International Personal Finance has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does International Personal Finance's Accounts Receivable compare to V and MA?
International Personal Finance's Accounts Receivable of $0.0 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Receivable for a Credit Services company?
A good Accounts Receivable depends on the Credit Services industry context. However, Accounts Receivable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on International Personal Finance and its competitors. International Personal Finance's current Accounts Receivable is $0.0 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is International Personal Finance stock overvalued right now?
International Personal Finance (IPFPF) has a current Accounts Receivable of $0.0 Mil. The stock's GF Value™ is $1.79, compared to a current price of $2.83 — trading 58.1% above its estimated fair value. The current Accounts Receivable is $0.0 Mil. International Personal Finance's overall GF Score™ is 56/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current Accounts Receivable is $0.0 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is International Personal Finance (IPFPF) Overvalued in 2026?

Based on GuruFocus' analysis, International Personal Finance stock appears to be overvalued. The current stock price of $2.83 is trading 58.1% above its estimated GF Value™ of $1.79.

Key valuation signals for IPFPF:

  • Accounts Receivable: $0.0 Mil
  • GF Value™: $1.79 vs. price of $2.83 (58.1% above fair value)
  • GF Score™: 56/100 with 8 warning signs

No single metric tells the full story. See the IPFPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

International Personal Finance Business Description

Other Exchanges IPFl:UKIPF:UK3I8:Germany
Address 26 Whitehall Road, Leeds, West Yorkshire, GBR, LS12 1BE
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.
56GF Score

Get the complete analysis for IPFPF

Accounts Receivable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.83
Price
$1.79
GF Value