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What is International Personal Finance Cash-to-Debt?
International Personal FinanceIPFPF 57 Cash-to-Debt is 0.03 as of Jun. 2026, which is 57% below its 10-year median of 0.07. GuruFocus rates IPFPF with a GF Score™ of 57/100 and a GF Value™ of $1.94. The stock has 9 warning signs investors should review. Among 514 Credit Services companies, International Personal Finance ranks worse than 84.82% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. International Personal Finance's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.03.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, International Personal Financecouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for International Personal Finance's Cash-to-Debt or its related term are showing as below:
IPFPF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03 Med: 0.07 Max: 0.23
Current: 0.03
During the past 13 years, International Personal Finance's highest Cash to Debt Ratio was 0.23. The lowest was 0.03. And the median was 0.07.
IPFPF's Cash-to-Debt is ranked worse than 84.82% of 514
companies
in the Credit Services industry
Industry Median: 0.2
vs IPFPF: 0.03
International Personal Finance (OTCPK:IPFPF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
International Personal Finance Cash-to-Debt Related Terms
International Personal Finance Cash-to-Debt Historical Data
* 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, International Personal Finance's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
International Personal Finance Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where International Personal Finance's Cash-to-Debt falls into.
* 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 (IPFPF) has a Cash-to-Debt of 0.03 as of Jun. 2026. This is 57% below median its historical median of 0.07. Over the past decade, International Personal Finance's Cash-to-Debt has ranged from 0.03 to 0.23. According to the industry distribution chart, International Personal Finance ranks #436 out of 514 companies in the Credit Services industry, placing it in the top 84.8%.
Is International Personal Finance's Cash-to-Debt too high?
International Personal Finance's current Cash-to-Debt of 0.03 is 57% below median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.23. The Credit Services industry median Cash-to-Debt is 0.20. International Personal Finance's value of 0.03 is 85% below this industry median. Based on the distribution chart, International Personal Finance ranks #436 out of 514 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, International Personal Finance has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does International Personal Finance's Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #436 out of 514 companies for Cash-to-Debt. This places International Personal Finance in the lower half of its industry. The industry median Cash-to-Debt is 0.20. International Personal Finance's value of 0.03 is 85% below this benchmark. Historically, International Personal Finance's own Cash-to-Debt has ranged from 0.03 to 0.23 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.20, International Personal Finance has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.20, based on 514 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current Cash-to-Debt of 0.03 is 85% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current Cash-to-Debt is 0.03, which is 57% below median its own 10-year median of 0.07. 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 Cash-to-Debt of 0.03. The stock's GF Value™ is $1.94, compared to a current price of $2.83 — trading 45.9% above its estimated fair value. The current Cash-to-Debt is 0.03, which is 57% below median its 10-year median of 0.07 and 85% below the Credit Services industry median of 0.20. International Personal Finance's overall GF Score™ is 57/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current Cash-to-Debt is 0.03 as of Jun. 2026. 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 45.9% above its estimated GF Value™ of $1.94.
Key valuation signals for IPFPF:
Cash-to-Debt: 0.03 (57% below median its 10-year median of 0.07)
GF Value™: $1.94 vs. price of $2.83 (45.9% above fair value)
Industry Position: 85% below the Credit Services median (#436 of 514)
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 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.
57GF Score
Get the complete analysis for IPFPF
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