The historical rank and industry rank for International Personal Finance's EV-to-FCF or its related term are showing as below:
IPFPF'
s EV-to-FCF Range Over the Past 10 Years
Min: -462.6 Med: -15.14 Max: 1719.57
Current: -29.27
During the past 13 years, the highest EV-to-FCF of International Personal Finance was 1719.57. The lowest was -462.60. And the median was -15.14.
IPFPF's EV-to-FCF is ranked worse than 100% of 265
companies
in the Credit Services industry
Industry Median: 12.99
vs IPFPF: -29.27
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
International Personal Finance (OTCPK:IPFPF) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
International Personal Finance's PE Ratio (TTM) for today is calculated as:
International Personal Finance's share price for today is $2.83.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. International Personal Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.318.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
International Personal Finance EV-to-FCF Related Terms
International Personal Finance EV-to-FCF 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.
For the Credit Services subindustry, International Personal Finance's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where International Personal Finance's EV-to-FCF falls into.
International Personal Finance's current Enterprise Value is $1,544.0 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. International Personal Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $-53.3 Mil.
* 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 (IPFPF) has a EV-to-FCF of -28.97 as of Jun. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on International Personal Finance and its competitors. According to the industry distribution chart, International Personal Finance ranks #999999 out of 265 companies in the Credit Services industry.
Is International Personal Finance's EV-to-FCF too high?
International Personal Finance's current EV-to-FCF is -28.97. Based on the distribution chart, International Personal Finance ranks #999999 out of 265 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #999999 out of 265 companies for EV-to-FCF. This places International Personal Finance in the lower half of its industry. The industry median EV-to-FCF is 12.99. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 12.99, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median EV-to-FCF is 12.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current EV-to-FCF is -28.97. 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 EV-to-FCF of -28.97. 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 EV-to-FCF is -28.97. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current EV-to-FCF is -28.97 as of Jun. 25, 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 61.7% above its estimated GF Value™ of $1.75.
Key valuation signals for IPFPF:
EV-to-FCF: -28.97
GF Value™: $1.75 vs. price of $2.83 (61.7% above fair value)
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.
51GF Score
Get the complete analysis for IPFPF
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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