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International Personal Finance (LSE:IPF) Cyclically Adjusted FCF per Share : £0.15 (As of Dec. 2024)


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What is International Personal Finance Cyclically Adjusted FCF per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

International Personal Finance's adjusted free cash flow per share data for the fiscal year that ended in Dec. 2024 was £0.003. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is £0.15 for the trailing ten years ended in Dec. 2024.

During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 7.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 27.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of International Personal Finance was 86.60% per year. The lowest was 4.90% per year. And the median was 26.00% per year.

As of today (2025-05-24), International Personal Finance's current stock price is £ 1.53. International Personal Finance's Cyclically Adjusted FCF per Share for the fiscal year that ended in Dec. 2024 was £0.15. International Personal Finance's Cyclically Adjusted Price-to-FCF of today is 10.20.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of International Personal Finance was 169.15. The lowest was 5.37. And the median was 19.38.


International Personal Finance Cyclically Adjusted FCF per Share Historical Data

The historical data trend for International Personal Finance's Cyclically Adjusted FCF per Share 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.

* Premium members only.

International Personal Finance Cyclically Adjusted FCF per Share Chart

International Personal Finance Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.13 0.12 0.11 0.15 0.15

International Personal Finance Semi-Annual Data
Jun15 Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24
Cyclically Adjusted FCF per Share 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 0.11 - 0.15 - 0.15

Competitive Comparison of International Personal Finance's Cyclically Adjusted FCF per Share

For the Credit Services subindustry, International Personal Finance's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, International Personal Finance's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where International Personal Finance's Cyclically Adjusted Price-to-FCF falls into.


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International Personal Finance Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, International Personal Finance's adjusted Free Cash Flow per Share data for the fiscal year that ended in Dec. 2024 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=0.003/135.1000*135.1000
=0.003

Current CPI (Dec. 2024) = 135.1000.

International Personal Finance Annual Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201512 -0.020 100.400 -0.027
201612 -0.010 102.200 -0.013
201712 -0.142 105.000 -0.183
201812 0.146 107.100 0.184
201912 0.138 108.500 0.172
202012 1.145 109.400 1.414
202112 -0.171 114.700 -0.201
202212 -0.106 125.300 -0.114
202312 0.266 130.500 0.275
202412 0.003 135.100 0.003

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.


International Personal Finance  (LSE:IPF) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

International Personal Finance's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=1.53/0.15
=10.20

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of International Personal Finance was 169.15. The lowest was 5.37. And the median was 19.38.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


International Personal Finance Cyclically Adjusted FCF per Share Related Terms

Thank you for viewing the detailed overview of International Personal Finance's Cyclically Adjusted FCF per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


International Personal Finance Business Description

Traded in Other Exchanges
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.

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