International Personal FinanceIPFPF 56 Cyclically Adjusted PB Ratio is 0.98 as of Jul. 02, 2026, which is 34% above its 10-year median of 0.73. 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. Among 422 Credit Services companies, International Personal Finance ranks worse than 53.55% on this metric.
The historical rank and industry rank for International Personal Finance's Cyclically Adjusted PB Ratio or its related term are showing as below:
IPFPF'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.2 Med: 0.73 Max: 2.73
Current: 1.04
During the past 13 years, International Personal Finance's highest Cyclically Adjusted PB Ratio was 2.73. The lowest was 0.20. And the median was 0.73.
IPFPF's Cyclically Adjusted PB Ratio is ranked worse than 53.55% of 422
companies
in the Credit Services industry
Industry Median: 0.955
vs IPFPF: 1.04
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 PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.
International Personal Finance's adjusted book value per share data of for the fiscal year that ended in Dec25 was $3.333. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $2.88 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
International Personal Finance (OTCPK:IPFPF) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
International Personal Finance Cyclically Adjusted PB Ratio Related Terms
International Personal Finance Cyclically Adjusted PB Ratio 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.
International Personal Finance Cyclically Adjusted PB Ratio Chart
IPFPF vs V, MA, AXP: Cyclically Adjusted PB Ratio Comparison
For the Credit Services subindustry, International Personal Finance's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where International Personal Finance's Cyclically Adjusted PB Ratio falls into.
International Personal Finance Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
* 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.
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.
What does a Cyclically Adjusted PB Ratio of 0.98 mean?
International Personal Finance (IPFPF) has a Cyclically Adjusted PB Ratio of 0.98 as of Jul. 02, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on International Personal Finance and its competitors. This is 34% above median its historical median of 0.73. Over the past decade, International Personal Finance's Cyclically Adjusted PB Ratio has ranged from 0.20 to 2.73. According to the industry distribution chart, International Personal Finance ranks #226 out of 422 companies in the Credit Services industry, placing it in the top 53.6%.
Is International Personal Finance's Cyclically Adjusted PB Ratio too high?
International Personal Finance's current Cyclically Adjusted PB Ratio of 0.98 is 34% above median its 10-year median of 0.73. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 2.73. The Credit Services industry median Cyclically Adjusted PB Ratio is 0.96. International Personal Finance's value of 0.98 is 2.6% above this industry median. Based on the distribution chart, International Personal Finance ranks #226 out of 422 companies in the Credit Services industry, which is below the industry midpoint. 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 Cyclically Adjusted PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #226 out of 422 companies for Cyclically Adjusted PB Ratio. This places International Personal Finance in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 0.96. International Personal Finance's value of 0.98 is 2.6% above this benchmark. Historically, International Personal Finance's own Cyclically Adjusted PB Ratio has ranged from 0.20 to 2.73 over the past decade. While the company's 10-year median is 0.73 vs. the industry median of 0.96, International Personal Finance has consistently been above 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 Cyclically Adjusted PB Ratio for a Credit Services company?
The median Cyclically Adjusted PB Ratio among Credit Services companies is 0.96, based on 422 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current Cyclically Adjusted PB Ratio of 0.98 is 2.6% above 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 Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median Cyclically Adjusted PB Ratio is 0.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current Cyclically Adjusted PB Ratio is 0.98, which is 34% above median its own 10-year median of 0.73. 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 Cyclically Adjusted PB Ratio of 0.98. 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 Cyclically Adjusted PB Ratio is 0.98, which is 34% above median its 10-year median of 0.73 and 2.6% above the Credit Services industry median of 0.96. 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 Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current Cyclically Adjusted PB Ratio is 0.98 as of Jul. 02, 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 59% above its estimated GF Value™ of $1.78.
Key valuation signals for IPFPF:
Cyclically Adjusted PB Ratio: 0.98 (34% above median its 10-year median of 0.73)
GF Value™: $1.78 vs. price of $2.83 (59% above fair value)
Industry Position: 2.6% above the Credit Services median (#226 of 422)
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
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
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