International Personal FinanceIPFPF 51 PEG Ratio is 0.90 as of Jun. 25, 2026, which is 14% below its 10-year median of 1.05. 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 236 Credit Services companies, International Personal Finance ranks worse than 55.93% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for International Personal Finance's PEG Ratio or its related term are showing as below:
IPFPF'
s PEG Ratio Range Over the Past 10 Years
Min: 0.2 Med: 1.05 Max: 3.24
Current: 1.07
During the past 13 years, International Personal Finance's highest PEG Ratio was 3.24. The lowest was 0.20. And the median was 1.05.
IPFPF's PEG Ratio is ranked worse than 55.93% of 236
companies
in the Credit Services industry
Industry Median: 0.845
vs IPFPF: 1.07
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
International Personal Finance (OTCPK:IPFPF) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
International Personal Finance PEG Ratio Related Terms
International Personal Finance PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's PEG Ratio distribution charts can be found below:
* The bar in red indicates where International Personal Finance's PEG Ratio falls into.
* 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
International Personal Finance (IPFPF) has a PEG Ratio of 0.90 as of Jun. 25, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on International Personal Finance and its competitors. This is 14% below median its historical median of 1.05. Over the past decade, International Personal Finance's PEG Ratio has ranged from 0.20 to 3.24. According to the industry distribution chart, International Personal Finance ranks #132 out of 236 companies in the Credit Services industry, placing it in the top 55.9%.
Is International Personal Finance's PEG Ratio too high?
International Personal Finance's current PEG Ratio of 0.90 is 14% below median its 10-year median of 1.05. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 3.24. The Credit Services industry median PEG Ratio is 0.85. International Personal Finance's value of 0.90 is 6.5% above this industry median. Based on the distribution chart, International Personal Finance ranks #132 out of 236 companies in the Credit Services industry, which is below 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 PEG Ratio compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #132 out of 236 companies for PEG Ratio. This places International Personal Finance in the lower half of its industry. The industry median PEG Ratio is 0.85. International Personal Finance's value of 0.90 is 6.5% above this benchmark. Historically, International Personal Finance's own PEG Ratio has ranged from 0.20 to 3.24 over the past decade. While the company's 10-year median is 1.05 vs. the industry median of 0.85, 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.85, based on 236 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current PEG Ratio of 0.90 is 6.5% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median PEG Ratio is 0.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current PEG Ratio is 0.90, which is 14% below median its own 10-year median of 1.05. 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 PEG Ratio of 0.90. 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 PEG Ratio is 0.90, which is 14% below median its 10-year median of 1.05 and 6.5% above the Credit Services industry median of 0.85. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current PEG Ratio is 0.90 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:
PEG Ratio: 0.90 (14% below median its 10-year median of 1.05)
GF Value™: $1.75 vs. price of $2.83 (61.7% above fair value)
Industry Position: 6.5% above the Credit Services median (#132 of 236)
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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