IPFPF (International Personal Finance) YoY EPS Growth: -39.46% (As of Dec. 2025)

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IPFPF International Personal Finance PLC IPFPF
55 GF Score
Price $2.83
GF Value $1.80
! 8 Warning Signs
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What is International Personal Finance YoY EPS Growth?

International Personal Finance IPFPF 55 YoY EPS Growth is -39.46% as of Dec. 2025. GuruFocus rates IPFPF with a GF Score™ of 55/100 and a GF Value™ of $1.80. The stock has 8 warning signs investors should review.

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months. International Personal Finance's YoY EPS Growth for the quarter that ended in Dec. 2025 was -39.46%.

International Personal Finance's Earnings per Share (Diluted) for the six months ended in Dec. 2025 was $0.14.

International Personal Finance YoY EPS Growth Historical Data

* Premium members only.

The historical data trend for International Personal Finance's YoY EPS Growth 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 YoY EPS Growth Chart

International Personal Finance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
YoY EPS Growth
Get a 7-Day Free Trial Premium Member Only Premium Member Only 161.08 24.89 -13.51 27.73 -3.36

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
YoY EPS Growth 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 14.07 4.95 44.81 72.64 -39.46
IPFPF
55GF Score
International Personal Finance PLC IPFPF
YoY EPS Growth is just one metric. See GF Score™, valuation, warning signs, and more.
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International Personal Finance YoY EPS Growth Calculation

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months.

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

YoY EPS Growth (A: Dec. 2025 )
=(Earnings per Share (Diluted) (A: Dec. 2025 )-Earnings per Share (Diluted) (A: Dec. 2024 ))/ | Earnings per Share (Diluted) (A: Dec. 2024 ) |
=(0.316-0.327)/ | 0.327 |
=-3.36 %

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

YoY EPS Growth (Q: Dec. 2025 )
=(Earnings per Share (Diluted) (Q: Dec. 2025 )-Earnings per Share (Diluted) (Q: Dec. 2024 )) / | Earnings per Share (Diluted) (Q: Dec. 2024 )) |
=(0.135-0.223)/ | 0.223 |
=-39.46 %

* 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 YoY EPS Growth →
What does a YoY EPS Growth of -39.46% mean?
International Personal Finance (IPFPF) has a YoY EPS Growth of -39.46% as of Dec. 2025. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for International Personal Finance and its competitors.
Is International Personal Finance's YoY EPS Growth too high?
International Personal Finance's current YoY EPS Growth is -39.46%. Overall, International Personal Finance has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does International Personal Finance's YoY EPS Growth compare to V and MA?
International Personal Finance's YoY EPS Growth of -39.46% 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 YoY EPS Growth for a Credit Services company?
A good YoY EPS Growth depends on the Credit Services industry context. However, YoY EPS Growth 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 YoY EPS Growth mean?
A high YoY EPS Growth can signal that a stock is expensive relative to its fundamentals. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for International Personal Finance and its competitors. International Personal Finance's current YoY EPS Growth is -39.46%. 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 YoY EPS Growth of -39.46%. The stock's GF Value™ is $1.80, compared to a current price of $2.83 — trading 57.2% above its estimated fair value. The current YoY EPS Growth is -39.46%. International Personal Finance's overall GF Score™ is 55/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is YoY EPS Growth calculated?
YoY EPS Growth is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current YoY EPS Growth is -39.46% 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 57.2% above its estimated GF Value™ of $1.80.

Key valuation signals for IPFPF:

  • YoY EPS Growth: -39.46%
  • GF Value™: $1.80 vs. price of $2.83 (57.2% above fair value)
  • GF Score™: 55/100 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.
55GF Score

Get the complete analysis for IPFPF

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

$2.83
Price
$1.80
GF Value