IPFPF (International Personal Finance) EPS (Basic): $0.34 (TTM As of Dec. 2025)


IPFPF International Personal Finance PLC IPFPF
51 GF Score
Price $2.83
GF Value $1.75
! 8 Warning Signs
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What is International Personal Finance EPS (Basic)?

International Personal Finance IPFPF 51 EPS (Basic) is $0.34 as of Dec. 2025. GuruFocus rates IPFPF with a GF Score™ of 51/100 and a GF Value™ of $1.75. The stock has 8 warning signs investors should review.

International Personal Finance's basic earnings per share (Basic EPS) for the six months ended in Dec. 2025 was $0.14. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.34.

International Personal Finance's EPS (Diluted) for the six months ended in Dec. 2025 was $0.14. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.32.

International Personal Finance's EPS without NRI for the six months ended in Dec. 2025 was $0.15. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was 0.33.

During the past 12 months, International Personal Finance's average EPS without NRIGrowth Rate was 4.30% 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 EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, International Personal Finance's highest 3-Year average EPS without NRI Growth Rate 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) EPS (Basic) Explanation

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 EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

International Personal Finance EPS (Basic) Related Terms

International Personal Finance EPS (Basic) Historical Data

* Premium members only.

The historical data trend for International Personal Finance's EPS (Basic) 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 EPS (Basic) Chart

International Personal Finance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.25 0.31 0.27 0.35 0.33

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
EPS (Basic) 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 0.17 0.11 0.23 0.19 0.14
IPFPF
51GF Score
International Personal Finance PLC IPFPF
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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International Personal Finance EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

International Personal Finance's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(72.557-0)/218.300
=0.33

International Personal Finance's Basic EPS for the quarter that ended in Dec. 2025 is calculated as

Basic EPS (Q: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(31.058-0)/218.900
=0.14

EPS (Basic) 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 $0.34

* 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 EPS (Basic) →
What does a EPS (Basic) of $0.34 mean?
International Personal Finance (IPFPF) has a EPS (Basic) of $0.34 as of Dec. 2025. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on International Personal Finance and its competitors.
Is International Personal Finance's EPS (Basic) too high?
International Personal Finance's current EPS (Basic) is $0.34. Overall, International Personal Finance has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does International Personal Finance's EPS (Basic) compare to V and MA?
International Personal Finance's EPS (Basic) of $0.34 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 EPS (Basic) for a Credit Services company?
A good EPS (Basic) depends on the Credit Services industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on International Personal Finance and its competitors. International Personal Finance's current EPS (Basic) is $0.34. 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 EPS (Basic) of $0.34. The stock's GF Value™ is $1.75, compared to a current price of $2.83 — trading 61.7% above its estimated fair value. The current EPS (Basic) is $0.34. International Personal Finance's overall GF Score™ is 51/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current EPS (Basic) is $0.34 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 61.7% above its estimated GF Value™ of $1.75.

Key valuation signals for IPFPF:

  • EPS (Basic): $0.34
  • GF Value™: $1.75 vs. price of $2.83 (61.7% above fair value)
  • GF Score™: 51/100 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.
51GF Score

Get the complete analysis for IPFPF

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.83
Price
$1.75
GF Value