International Personal FinanceIPFPF 51 Median PS Value is $1.67 as of Jun. 24, 2026, which is 198% above its 10-year median of 0.56. 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 288 Credit Services companies, International Personal Finance ranks worse than 82.29% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for International Personal Finance's Median PS Value or its related term are showing as below:
IPFPF'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.33 Med: 0.56 Max: 1.69
Current: 1.69
During the past 13 years, the highest Price to Median PS Value of International Personal Finance was 1.69. The lowest was 0.33. And the median was 0.56.
IPFPF's Price-to-Median-PS-Value is ranked worse than 82.29% of 288
companies
in the Credit Services industry
Industry Median: 0.895
vs IPFPF: 1.69
International Personal Finance (OTCPK:IPFPF) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
International Personal Finance's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
2.83
/
1.67
=
1.69
* 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 Median PS Value Related Terms
International Personal Finance Median PS Value 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 Median PS Value Chart
For the Credit Services subindustry, International Personal Finance's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where International Personal Finance's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.4278.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. International Personal Finance's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $3.904.
* 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 Median PS Value of $1.67 as of Jun. 24, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on International Personal Finance and its competitors. This is 198% above median its historical median of 0.56. Over the past decade, International Personal Finance's Median PS Value has ranged from 0.33 to 1.69. According to the industry distribution chart, International Personal Finance ranks #237 out of 288 companies in the Credit Services industry, placing it in the top 82.3%.
Is International Personal Finance's Median PS Value too high?
International Personal Finance's current Median PS Value of $1.67 is 198% above median its 10-year median of 0.56. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 1.69. The Credit Services industry median Median PS Value is 0.90. International Personal Finance's value of $1.67 is 86.6% above this industry median. Based on the distribution chart, International Personal Finance ranks #237 out of 288 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 Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #237 out of 288 companies for Median PS Value. This places International Personal Finance in the lower half of its industry. The industry median Median PS Value is 0.90. International Personal Finance's value of $1.67 is 86.6% above this benchmark. Historically, International Personal Finance's own Median PS Value has ranged from 0.33 to 1.69 over the past decade. While the company's 10-year median is 0.56 vs. the industry median of 0.90, 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 Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.90, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current Median PS Value of $1.67 is 86.6% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median Median PS Value is 0.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current Median PS Value is $1.67, which is 198% above median its own 10-year median of 0.56. 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 Median PS Value of $1.67. 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 Median PS Value is $1.67, which is 198% above median its 10-year median of 0.56 and 86.6% above the Credit Services industry median of 0.90. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current Median PS Value is $1.67 as of Jun. 24, 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:
Median PS Value: $1.67 (198% above median its 10-year median of 0.56)
GF Value™: $1.75 vs. price of $2.83 (61.7% above fair value)
Industry Position: 86.6% above the Credit Services median (#237 of 288)
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
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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