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International Personal FinanceIPFPF 57 3-Year EPS without NRI Growth Rate is 7.40% as of Jun. 2026, which is 7% above its 10-year median of 6.90. GuruFocus rates IPFPF with a GF Score™ of 57/100 and a GF Value™ of $1.91. The stock has 9 warning signs investors should review. Among 433 Credit Services companies, International Personal Finance ranks worse than 57.27% on this metric.
During the past 12 months, International Personal Finance's average EPS without NRI Growth Rate was -8.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 7.40% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of International Personal Finance was 25.80% per year. The lowest was -17.90% per year. And the median was 6.90% per year.
International Personal Finance (OTCPK:IPFPF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
International Personal Finance 3-Year EPS without NRI Growth Rate Related Terms
IPFPF vs V, MA, AXP: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, International Personal Finance's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where International Personal Finance's 3-Year EPS without NRI Growth Rate falls into.
International Personal Finance 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 7.40% mean?
International Personal Finance (IPFPF) has a 3-Year EPS without NRI Growth Rate of 7.40% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for International Personal Finance and its competitors. This is near median its historical median of 6.90. According to the industry distribution chart, International Personal Finance ranks #248 out of 433 companies in the Credit Services industry, placing it in the top 57.3%.
Is International Personal Finance's 3-Year EPS without NRI Growth Rate too high?
International Personal Finance's current 3-Year EPS without NRI Growth Rate of 7.40% is near median its 10-year median of 6.90. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.40. International Personal Finance's value of 7.40% is 35.1% below this industry median. Based on the distribution chart, International Personal Finance ranks #248 out of 433 companies in the Credit Services industry, which is below 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 EPS without NRI Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #248 out of 433 companies for 3-Year EPS without NRI Growth Rate. This places International Personal Finance in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. International Personal Finance's value of 7.40% is 35.1% below this benchmark. While the company's 10-year median is 6.90 vs. the industry median of 11.40, International Personal Finance has consistently been below 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 EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 433 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 7.40% is 35.1% below 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for International Personal Finance and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current 3-Year EPS without NRI Growth Rate is 7.40%, which is near median its own 10-year median of 6.90. 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 EPS without NRI Growth Rate of 7.40%. The stock's GF Value™ is $1.91, compared to a current price of $2.83 — trading 48.2% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 7.40%, which is near median its 10-year median of 6.90 and 35.1% below the Credit Services industry median of 11.40. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current 3-Year EPS without NRI Growth Rate is 7.40% 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 48.2% above its estimated GF Value™ of $1.91.
Key valuation signals for IPFPF:
3-Year EPS without NRI Growth Rate: 7.40% (near median its 10-year median of 6.90)
GF Value™: $1.91 vs. price of $2.83 (48.2% above fair value)
Industry Position: 35.1% below the Credit Services median (#248 of 433)
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
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