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International Personal FinanceIPFPF 57 3-Year Dividend Growth Rate is 11.60% as of Jun. 2026, which is 32% above its 10-year median of 8.80. 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 139 Credit Services companies, International Personal Finance ranks better than 58.99% on this metric.
The historical rank and industry rank for International Personal Finance's 3-Year Dividend Growth Rate or its related term are showing as below:
IPFPF'
s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -43.8 Med: 8.8 Max: 68.9
Current: 11.6
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of International Personal Finance was 68.90% per year. The lowest was -43.80% per year. And the median was 8.80% per year.
IPFPF's 3-Year Dividend Growth Rate is ranked better than 58.99% of 139
companies
in the Credit Services industry
Industry Median: 8.5
vs IPFPF: 11.60
During the past 12 months, International Personal Finance's average Dividends Per Share Growth Rate was 12.30% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 11.60% 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 average dividends per share growth rate.
During the past 13 years, the highest Dividend Payout Ratio of International Personal Finance was 0.55. The lowest was 0.12. And the median was 0.41.
2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.
International Personal Finance Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
GBP 0.090000
2026-03-26
2026-03-27
2026-05-08
Cash Dividend
semi-annually
GBP:USD 1.333333
GBP 0.038000
2025-08-28
2025-08-29
2025-09-26
Cash Dividend
semi-annually
GBP:USD 1.345895
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
International Personal Finance's Dividend Yield (%) for Today is calculated as
Current Share Price is $2.83.
International Personal Finance's Dividends per Share for the trailing twelve months (TTM) ended in Today is $0.17114398.
During the past 13 years, the highest Dividend Yield of International Personal Finance was 34.54%. The lowest was 0.00%. And the median was 6.66%.
Warning Sign:
International Personal Finance PLC stock Dividend Yield % is close to 3-year low.
* 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 3-Year Dividend Growth Rate Related Terms>
IPFPF vs V, MA, AXP: 3-Year Dividend Growth Rate Comparison
For the Credit Services subindustry, International Personal Finance's 3-Year Dividend Growth Rate, along with its competitors' market caps and 3-Year Dividend Growth Rate 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 3-Year Dividend Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's 3-Year Dividend Growth Rate distribution charts can be found below:
* The bar in red indicates where International Personal Finance's 3-Year Dividend Growth Rate falls into.
International Personal Finance 3-Year Dividend Growth Rate Calculation
This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with expontential compound based on the latest four year annual data.
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 average dividends per share growth rate.
What does a 3-Year Dividend Growth Rate of 11.60% mean?
International Personal Finance (IPFPF) has a 3-Year Dividend Growth Rate of 11.60% as of Jun. 2026. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on International Personal Finance and its competitors. This is 32% above median its historical median of 8.80. According to the industry distribution chart, International Personal Finance ranks #57 out of 139 companies in the Credit Services industry, placing it in the top 41%.
Is International Personal Finance's 3-Year Dividend Growth Rate too high?
International Personal Finance's current 3-Year Dividend Growth Rate of 11.60% is 32% above median its 10-year median of 8.80. The Credit Services industry median 3-Year Dividend Growth Rate is 8.50. International Personal Finance's value of 11.60% is 36.5% above this industry median. Based on the distribution chart, International Personal Finance ranks #57 out of 139 companies in the Credit Services industry, which is above the industry midpoint. 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 3-Year Dividend Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #57 out of 139 companies for 3-Year Dividend Growth Rate. This puts International Personal Finance in the upper half of its industry. The industry median 3-Year Dividend Growth Rate is 8.50. International Personal Finance's value of 11.60% is 36.5% above this benchmark. While the company's 10-year median is 8.80 vs. the industry median of 8.50, 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 3-Year Dividend Growth Rate for a Credit Services company?
The median 3-Year Dividend Growth Rate among Credit Services companies is 8.50, based on 139 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Dividend Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current 3-Year Dividend Growth Rate of 11.60% is 36.5% 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 3-Year Dividend Growth Rate mean?
A high 3-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median 3-Year Dividend Growth Rate is 8.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current 3-Year Dividend Growth Rate is 11.60%, which is 32% above median its own 10-year median of 8.80. 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 3-Year Dividend Growth Rate of 11.60%. 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 3-Year Dividend Growth Rate is 11.60%, which is 32% above median its 10-year median of 8.80 and 36.5% above the Credit Services industry median of 8.50. 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 3-Year Dividend Growth Rate calculated?
3-Year Dividend Growth Rate is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current 3-Year Dividend Growth Rate is 11.60% 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:
3-Year Dividend Growth Rate: 11.60% (32% above median its 10-year median of 8.80)
GF Value™: $1.94 vs. price of $2.83 (45.9% above fair value)
Industry Position: 36.5% above the Credit Services median (#57 of 139)
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
3-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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