IPFPF (International Personal Finance) EPS without NRI: $0.33 (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 without NRI?

International Personal Finance IPFPF 51 EPS without NRI is $0.33 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. Among 428 Credit Services companies, International Personal Finance ranks worse than 57.94% on this metric.

International Personal Finance's earnings per share without non-recurring items for the six months ended in Dec. 2025 was $0.15. Its earnings 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 earnings per share (NRI) Growth Rate was 4.30% per year. During the past 3 years, the average earnings per share (NRI) Growth Rate was 7.40% per year. During the past 10 years, the average earnings per share (NRI) Growth Rate was 0.00% 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 Earnings per share without Non-Recurring Items (NRI) data.

The historical rank and industry rank for International Personal Finance's EPS without NRI or its related term are showing as below:

IPFPF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -17.9   Med: 6.9   Max: 25.8
Current: 7.4

During the past 13 years, International Personal Finance's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 25.80% per year. The lowest was -17.90% per year. And the median was 6.90% per year.

IPFPF's 3-Year EPS without NRI Growth Rate is ranked worse than
57.94% of 428 companies
in the Credit Services industry
Industry Median: 11.7 vs IPFPF: 7.40

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 (Basic) for the six months ended in Dec. 2025 was $0.14. Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.34.


International Personal Finance  (OTCPK:IPFPF) EPS without NRI Explanation

EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.


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 without NRI Related Terms


International Personal Finance EPS without NRI Historical Data

* Premium members only.

The historical data trend for International Personal Finance's EPS without NRI 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 without NRI Chart

International Personal Finance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS without NRI
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.24 0.24 0.28 0.30 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 without NRI 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 0.15 0.15 0.15 0.18 0.15

IPFPF vs V, MA, AXP: EPS without NRI Comparison

For the Credit Services subindustry, International Personal Finance's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Credit Services Industry

For the Credit Services industry and Financial Services sector, International Personal Finance's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where International Personal Finance's PE Ratio without NRI falls into.


IPFPF
51GF Score
International Personal Finance PLC IPFPF
EPS without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
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International Personal Finance EPS without NRI Calculation

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

Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.

EPS without NRI 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 $0.33

* 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 without NRI →
What does a EPS without NRI of $0.33 mean?
International Personal Finance (IPFPF) has a EPS without NRI of $0.33 as of Dec. 2025. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on International Personal Finance and its competitors. According to the industry distribution chart, International Personal Finance ranks #248 out of 428 companies in the Credit Services industry, placing it in the top 57.9%.
Is International Personal Finance's EPS without NRI too high?
International Personal Finance's current EPS without NRI is $0.33. The Credit Services industry median EPS without NRI is 11.70. International Personal Finance's value of $0.33 is 97.2% below this industry median. Based on the distribution chart, International Personal Finance ranks #248 out of 428 companies in the Credit Services industry, which is below the industry midpoint. 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 without NRI compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #248 out of 428 companies for EPS without NRI. This places International Personal Finance in the lower half of its industry. The industry median EPS without NRI is 11.70. International Personal Finance's value of $0.33 is 97.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Credit Services company?
The median EPS without NRI among Credit Services companies is 11.70, based on 428 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current EPS without NRI of $0.33 is 97.2% 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 EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median EPS without NRI is 11.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current EPS without NRI is $0.33. 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 without NRI of $0.33. 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 without NRI is $0.33 and 97.2% below the Credit Services industry median of 11.70. 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 without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current EPS without NRI is $0.33 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 without NRI: $0.33
  • GF Value™: $1.75 vs. price of $2.83 (61.7% above fair value)
  • GF Score™: 51/100 with 8 warning signs
  • Industry Position: 97.2% below the Credit Services median (#248 of 428)

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 without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.83
Price
$1.75
GF Value