The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. International Personal Finance's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.35.
The historical rank and industry rank for International Personal Finance's Dividend Payout Ratio or its related term are showing as below:
During the past 13 years, the highest Dividend Payout Ratio of International Personal Finance was 0.48. The lowest was 0.12. And the median was 0.41.
IPFPF's Dividend Payout Ratio is not ranked *
in the Credit Services industry.
Industry Median: 0.32 * Ranked among companies with meaningful Dividend Payout Ratio only.
During the past 13 years, the highest Trailing Annual Dividend Yield of International Personal Finance was 34.54%. The lowest was 0.00%. And the median was 6.66%.
During the past 12 months, International Personal Finance's average Dividends Per Share Growth Rate was 11.30% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 11.60% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of International Personal Finance was 68.90% per year. The lowest was -43.80% per year. And the median was 8.80% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
International Personal Finance (OTCPK:IPFPF) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
International Personal Finance Dividend Payout Ratio Related Terms
International Personal Finance Dividend Payout Ratio 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 Dividend Payout Ratio Chart
IPFPF vs V, MA, AXP: Dividend Payout Ratio Comparison
For the Credit Services subindustry, International Personal Finance's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where International Personal Finance's Dividend Payout Ratio falls into.
International Personal Finance Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
* 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 Dividend Payout Ratio of 0.35 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on International Personal Finance and its competitors. This is 15% below median its historical median of 0.41. Over the past decade, International Personal Finance's Dividend Payout Ratio has ranged from 0.12 to 0.48. According to the industry distribution chart, International Personal Finance ranks #139 out of 195 companies in the Credit Services industry, placing it in the top 71.3%.
Is International Personal Finance's Dividend Payout Ratio too high?
International Personal Finance's current Dividend Payout Ratio of 0.35 is 15% below median its 10-year median of 0.41. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.48. The Credit Services industry median Dividend Payout Ratio is 0.32. International Personal Finance's value of 0.35 is 9.4% above this industry median. Based on the distribution chart, International Personal Finance ranks #139 out of 195 companies in the Credit Services industry, which is below the industry midpoint. Overall, International Personal Finance has a GF Scoreâ„¢ of 51/100, reflecting its overall financial health beyond just this single metric.
How does International Personal Finance's Dividend Payout Ratio compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #139 out of 195 companies for Dividend Payout Ratio. This places International Personal Finance in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. International Personal Finance's value of 0.35 is 9.4% above this benchmark. Historically, International Personal Finance's own Dividend Payout Ratio has ranged from 0.12 to 0.48 over the past decade. While the company's 10-year median is 0.41 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Credit Services company?
The median Dividend Payout Ratio among Credit Services companies is 0.32, based on 195 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current Dividend Payout Ratio of 0.35 is 9.4% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current Dividend Payout Ratio is 0.35, which is 15% below 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 Dividend Payout Ratio of 0.35. 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 Dividend Payout Ratio is 0.35, which is 15% below median its 10-year median of 0.41 and 9.4% above the Credit Services industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current Dividend Payout Ratio is 0.35 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:
Dividend Payout Ratio: 0.35 (15% below median its 10-year median of 0.41)
GF Value™: $1.75 vs. price of $2.83 (61.7% above fair value)
Industry Position: 9.4% above the Credit Services median (#139 of 195)
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
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
IPFPF has been successfully added to your 
