IPFPF (International Personal Finance) Change In Receivables: $11.1 Mil (TTM As of Dec. 2025)


IPFPF International Personal Finance PLC IPFPF
56 GF Score
Price $2.83
GF Value $1.78
! 8 Warning Signs
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What is International Personal Finance Change In Receivables?

International Personal Finance IPFPF 56 Change In Receivables is $11.1 Mil as of Dec. 2025. GuruFocus rates IPFPF with a GF Score™ of 56/100 and a GF Value™ of $1.78. The stock has 8 warning signs investors should review.

International Personal Finance's change in receivables for the quarter that ended in Dec. 2025 was $2.8 Mil. It means International Personal Finance's Accounts Receivable declined by $2.8 Mil from Jun. 2025 to Dec. 2025 .

International Personal Finance's change in receivables for the fiscal year that ended in Dec. 2025 was $11.0 Mil. It means International Personal Finance's Accounts Receivable declined by $11.0 Mil from Dec. 2024 to Dec. 2025 .

International Personal Finance's Accounts Receivable for the quarter that ended in Dec. 2025 was $0.0 Mil.

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 Receivable are being managed. International Personal Finance's Days Sales Outstanding for the six months ended in Dec. 2025 was 0.00.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. International Personal Finance's liquidation value for the six months ended in Dec. 2025 was $-1,018.6 Mil.

International Personal Finance  (OTCPK:IPFPF) Change In Receivables 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 Receivable 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 liquidation value, International Personal Finance's accounts receivable are only considered to be worth 75% of book value:

International Personal Finance's liquidation value for the quarter that ended in Dec. 2025 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=40.696-1059.304+0.75 * 0+0.5 * 0
=-1,018.6

* 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 Change In Receivables Related Terms

International Personal Finance Change In Receivables Historical Data

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The historical data trend for International Personal Finance's Change In Receivables 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 Change In Receivables Chart

International Personal Finance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables
Get a 7-Day Free Trial Premium Member Only Premium Member Only -4.92 16.08 1.14 -13.15 10.98

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
Change In Receivables 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 -0.13 -6.62 -6.57 8.28 2.81
IPFPF
56GF Score
International Personal Finance PLC IPFPF
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
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International Personal Finance Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was $11.1 Mil.

* 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.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of $11.1 Mil mean?
International Personal Finance (IPFPF) has a Change In Receivables of $11.1 Mil as of Dec. 2025. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for International Personal Finance and its competitors.
Is International Personal Finance's Change In Receivables too high?
International Personal Finance's current Change In Receivables is $11.1 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 Change In Receivables compare to V and MA?
International Personal Finance's Change In Receivables of $11.1 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 Change In Receivables for a Credit Services company?
A good Change In Receivables depends on the Credit Services industry context. However, Change In Receivables 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 Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for International Personal Finance and its competitors. International Personal Finance's current Change In Receivables is $11.1 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 Change In Receivables of $11.1 Mil. The stock's GF Value™ is $1.78, compared to a current price of $2.83 — trading 59% above its estimated fair value. The current Change In Receivables is $11.1 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 Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current Change In Receivables is $11.1 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 59% above its estimated GF Value™ of $1.78.

Key valuation signals for IPFPF:

  • Change In Receivables: $11.1 Mil
  • GF Value™: $1.78 vs. price of $2.83 (59% 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

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

$2.83
Price
$1.78
GF Value