International Personal Finance (LSE:IPF) Cash-to-Debt : 0.15 (As of Jun. 2024)

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What is International Personal Finance Cash-to-Debt?

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. 2024 was 0.15.

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 Finance couldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2024.

The historical rank and industry rank for International Personal Finance's Cash-to-Debt or its related term are showing as below:

LSE:IPF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04 Med: 0.08 Max: 0.23
Current: 0.15

During the past 13 years, International Personal Finance's highest Cash to Debt Ratio was 0.23. The lowest was 0.04. And the median was 0.08.

LSE:IPF's Cash-to-Debt is ranked worse than
55.51% of 517 companies
in the Credit Services industry
Industry Median: 0.22 vs LSE:IPF: 0.15

International Personal Finance Cash-to-Debt Historical Data

The historical data trend for International Personal Finance's Cash-to-Debt 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.

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.

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International Personal Finance Cash-to-Debt Chart

International Personal Finance Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

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0.05

0.23

0.09

0.08

International Personal Finance Semi-Annual Data
	Dec14	Jun15	Dec15	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24
Cash-to-Debt	Get a 7-Day Free Trial															0.08	0.09	0.05	0.08	0.15

Competitive Comparison of International Personal Finance's Cash-to-Debt

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's Cash-to-Debt Distribution in the 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.

International Personal Finance Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

International Personal Finance's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	42.5	/	(0	+	535.4)
	=	0.08

International Personal Finance's Cash to Debt Ratio for the quarter that ended in Jun. 2024 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	86.5	/	(0	+	566.5)
	=	0.15

International Personal Finance (LSE:IPF) 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

Thank you for viewing the detailed overview of International Personal Finance's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

International Personal Finance Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » International Personal Finance PLC (LSE:IPF) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

IPFl:UK 3I8:Germany

Address

26 Whitehall Road, Leeds, West Yorkshire, GBR, LS12 1BE

Website

https://www.ipfin.co.uk

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.

International Personal Finance Headlines

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