International Personal FinanceIPFPF 51 Pretax Margin % is 10.02% as of Dec. 2025, which is 26% below its 10-year median of 13.46. 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 534 Credit Services companies, International Personal Finance ranks worse than 61.8% on this metric.
The historical rank and industry rank for International Personal Finance's Pretax Margin % or its related term are showing as below:
IPFPF'
s Pretax Margin % Range Over the Past 10 Years
Min: -6.62 Med: 13.46 Max: 13.81
Current: 12.8
IPFPF's Pretax Margin % is ranked worse than 61.8% of 534
companies
in the Credit Services industry
Industry Median: 19.865
vs IPFPF: 12.80
International Personal Finance (OTCPK:IPFPF) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
International Personal Finance Pretax Margin % Related Terms
International Personal Finance Pretax Margin % 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 Pretax Margin % Chart
For the Credit Services subindustry, International Personal Finance's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where International Personal Finance's Pretax Margin % 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.
International Personal Finance (IPFPF) has a Pretax Margin % of 10.02% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on International Personal Finance and its competitors. This is 26% below median its historical median of 13.46. According to the industry distribution chart, International Personal Finance ranks #330 out of 534 companies in the Credit Services industry, placing it in the top 61.8%.
Is International Personal Finance's Pretax Margin % too high?
International Personal Finance's current Pretax Margin % of 10.02% is 26% below median its 10-year median of 13.46. The Credit Services industry median Pretax Margin % is 19.87. International Personal Finance's value of 10.02% is 49.6% below this industry median. Based on the distribution chart, International Personal Finance ranks #330 out of 534 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 Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #330 out of 534 companies for Pretax Margin %. This places International Personal Finance in the lower half of its industry. The industry median Pretax Margin % is 19.87. International Personal Finance's value of 10.02% is 49.6% below this benchmark. While the company's 10-year median is 13.46 vs. the industry median of 19.87, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 19.87, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current Pretax Margin % of 10.02% is 49.6% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median Pretax Margin % is 19.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current Pretax Margin % is 10.02%, which is 26% below median its own 10-year median of 13.46. 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 Pretax Margin % of 10.02%. 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 Pretax Margin % is 10.02%, which is 26% below median its 10-year median of 13.46 and 49.6% below the Credit Services industry median of 19.87. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current Pretax Margin % is 10.02% 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:
Pretax Margin %: 10.02% (26% below median its 10-year median of 13.46)
GF Value™: $1.75 vs. price of $2.83 (61.7% above fair value)
Industry Position: 49.6% below the Credit Services median (#330 of 534)
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
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