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12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-07-15), International Personal Finance's 12-1 Month Momentum % is 88.67%.
IPFPF's 12-1 Month Momentum % is ranked better than 86.81% of 561
companies
in the Credit Services industry
Industry Median: -8.58
vs IPFPF: 88.67
International Personal Finance (OTCPK:IPFPF) 12-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
International Personal Finance 12-1 Month Momentum % Related Terms
IPFPF vs V, MA, AXP: 12-1 Month Momentum % Comparison
For the Credit Services subindustry, International Personal Finance's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % 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 12-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's 12-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where International Personal Finance's 12-1 Month Momentum % falls into.
International Personal Finance (OTCPK:IPFPF) 12-1 Month Momentum % Calculation
12-1 Month Momentum % is calculated as following:
12-1 Month Momentum %
=
( Price 1-month ago
/
Price 12-month ago
- 1 )
*
100 %
* 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 12-1 Month Momentum % of 88.67% as of Jul. 15, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on International Personal Finance and its competitors. According to the industry distribution chart, International Personal Finance ranks #74 out of 561 companies in the Credit Services industry, placing it in the top 13.2%.
Is International Personal Finance's 12-1 Month Momentum % too high?
International Personal Finance's current 12-1 Month Momentum % is 88.67%. Based on the distribution chart, International Personal Finance ranks #74 out of 561 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, International Personal Finance has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does International Personal Finance's 12-1 Month Momentum % compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #74 out of 561 companies for 12-1 Month Momentum %. This places International Personal Finance in the top 13% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 12-1 Month Momentum % for a Credit Services company?
A good 12-1 Month Momentum % depends on the Credit Services industry context. However, 12-1 Month Momentum % 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 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on International Personal Finance and its competitors. International Personal Finance's current 12-1 Month Momentum % is 88.67%. 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 12-1 Month Momentum % of 88.67%. The stock's GF Value™ is $1.79, compared to a current price of $2.83 — trading 58.1% above its estimated fair value. The current 12-1 Month Momentum % is 88.67%. International Personal Finance's overall GF Score™ is 56/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current 12-1 Month Momentum % is 88.67% as of Jul. 15, 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 58.1% above its estimated GF Value™ of $1.79.
Key valuation signals for IPFPF:
12-1 Month Momentum %: 88.67%
GF Value™: $1.79 vs. price of $2.83 (58.1% above fair value)
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.
56GF Score
Get the complete analysis for IPFPF
12-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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