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International Personal FinanceIPFPF 57 Intrinsic Value: Projected FCF is $3.89 as of Aug. 09, 2026, which is 849% above its 10-year median of 0.41. GuruFocus rates IPFPF with a GF Score™ of 57/100 and a GF Value™ of $1.95. The stock has 9 warning signs investors should review. Among 262 Credit Services companies, International Personal Finance ranks worse than 381679.01% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for International Personal Finance's Intrinsic Value: Projected FCF or its related term are showing as below:
IPFPF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.24 Med: 0.41 Max: 1.33
Current: 0.73
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of International Personal Finance was 1.33. The lowest was 0.24. And the median was 0.41.
IPFPF's Price-to-Projected-FCF is not ranked
in the Credit Services industry.
Industry Median: 0.71
vs IPFPF: 0.73
International Personal Finance (OTCPK:IPFPF) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
International Personal Finance's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
2.83
/
4.59866415684
=
0.62
* 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 Intrinsic Value: Projected FCF Related Terms
International Personal Finance Intrinsic Value: Projected 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.
International Personal Finance Intrinsic Value: Projected FCF Chart
IPFPF vs V, MA, AXP: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, International Personal Finance's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where International Personal Finance's Price-to-Projected-FCF falls into.
International Personal Finance Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $3.89 mean?
International Personal Finance (IPFPF) has a Intrinsic Value: Projected FCF of $3.89 as of Aug. 09, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on International Personal Finance and its competitors. This is 849% above median its historical median of 0.41. Over the past decade, International Personal Finance's Intrinsic Value: Projected FCF has ranged from 0.24 to 1.33. According to the industry distribution chart, International Personal Finance ranks #999999 out of 262 companies in the Credit Services industry.
Is International Personal Finance's Intrinsic Value: Projected FCF too high?
International Personal Finance's current Intrinsic Value: Projected FCF of $3.89 is 849% above median its 10-year median of 0.41. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 1.33. The Credit Services industry median Intrinsic Value: Projected FCF is 0.71. International Personal Finance's value of $3.89 is 447.9% above this industry median. Based on the distribution chart, International Personal Finance ranks #999999 out of 262 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Intrinsic Value: Projected FCF compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #999999 out of 262 companies for Intrinsic Value: Projected FCF. This places International Personal Finance in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.71. International Personal Finance's value of $3.89 is 447.9% above this benchmark. Historically, International Personal Finance's own Intrinsic Value: Projected FCF has ranged from 0.24 to 1.33 over the past decade. While the company's 10-year median is 0.41 vs. the industry median of 0.71, International Personal Finance has consistently been above 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 Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.71, based on 262 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current Intrinsic Value: Projected FCF of $3.89 is 447.9% above 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current Intrinsic Value: Projected FCF is $3.89, which is 849% above median its own 10-year median of 0.41. 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 Intrinsic Value: Projected FCF of $3.89. The stock's GF Value™ is $1.95, compared to a current price of $2.83 — trading 45.1% above its estimated fair value. The current Intrinsic Value: Projected FCF is $3.89, which is 849% above median its 10-year median of 0.41 and 447.9% above the Credit Services industry median of 0.71. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current Intrinsic Value: Projected FCF is $3.89 as of Aug. 09, 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 45.1% above its estimated GF Value™ of $1.95.
Key valuation signals for IPFPF:
Intrinsic Value: Projected FCF: $3.89 (849% above median its 10-year median of 0.41)
GF Value™: $1.95 vs. price of $2.83 (45.1% above fair value)
Industry Position: 447.9% above the Credit Services median (#999999 of 262)
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
Get the complete analysis for IPFPF
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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