International Personal FinanceIPFPF 51 PB Ratio is 0.85 as of Jun. 25, 2026, which is 9% above its 10-year median of 0.78. 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 523 Credit Services companies, International Personal Finance ranks better than 52.01% on this metric.
International Personal Finance PLC stock PB Ratio (=1) is close to 5-year high of 1.03.
The historical rank and industry rank for International Personal Finance's PB Ratio or its related term are showing as below:
IPFPF'
s PB Ratio Range Over the Past 10 Years
Min: 0.19 Med: 0.78 Max: 2.42
Current: 1
During the past 13 years, International Personal Finance's highest PB Ratio was 2.42. The lowest was 0.19. And the median was 0.78.
IPFPF's PB Ratio is ranked better than 52.01% of 523
companies
in the Credit Services industry
Industry Median: 1.05
vs IPFPF: 1.00
During the past 12 months, International Personal Finance's average Book Value Per Share Growth Rate was 15.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of International Personal Finance was 47.00% per year. The lowest was -10.80% per year. And the median was 8.20% per year.
Back to Basics: PB Ratio
International Personal Finance (OTCPK:IPFPF) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
International Personal Finance PB Ratio Related Terms
International Personal Finance PB 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.
For the Credit Services subindustry, International Personal Finance's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where International Personal Finance's PB Ratio falls into.
International Personal Finance PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
International Personal Finance (IPFPF) has a PB Ratio of 0.85 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on International Personal Finance and its competitors. This is near median its historical median of 0.78. Over the past decade, International Personal Finance's PB Ratio has ranged from 0.19 to 2.42. According to the industry distribution chart, International Personal Finance ranks #251 out of 523 companies in the Credit Services industry, placing it in the top 48%.
Is International Personal Finance's PB Ratio too high?
International Personal Finance's current PB Ratio of 0.85 is near median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 2.42. The Credit Services industry median PB Ratio is 1.05. International Personal Finance's value of 0.85 is 19% below this industry median. Based on the distribution chart, International Personal Finance ranks #251 out of 523 companies in the Credit Services industry, which is above the industry midpoint. 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #251 out of 523 companies for PB Ratio. This puts International Personal Finance in the upper half of its industry. The industry median PB Ratio is 1.05. International Personal Finance's value of 0.85 is 19% below this benchmark. Historically, International Personal Finance's own PB Ratio has ranged from 0.19 to 2.42 over the past decade. While the company's 10-year median is 0.78 vs. the industry median of 1.05, International Personal Finance has consistently been below 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current PB Ratio of 0.85 is 19% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current PB Ratio is 0.85, which is near median its own 10-year median of 0.78. 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 PB Ratio of 0.85. 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 PB Ratio is 0.85, which is near median its 10-year median of 0.78 and 19% below the Credit Services industry median of 1.05. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current PB Ratio is 0.85 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:
PB Ratio: 0.85 (near median its 10-year median of 0.78)
GF Value™: $1.75 vs. price of $2.83 (61.7% above fair value)
Industry Position: 19% below the Credit Services median (#251 of 523)
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
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