International Personal FinanceIPFPF 51 PS Ratio is 0.72 as of Jun. 25, 2026, which is 41% above its 10-year median of 0.51. 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 522 Credit Services companies, International Personal Finance ranks better than 86.59% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, International Personal Finance's share price is $2.83.
International Personal Finance's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $3.90. Hence, International Personal Finance's PS Ratio for today is 0.72.
Warning Sign:
International Personal Finance PLC stock PS Ratio (=0.86) is close to 5-year high of 0.88.
The historical rank and industry rank for International Personal Finance's PS Ratio or its related term are showing as below:
IPFPF'
s PS Ratio Range Over the Past 10 Years
Min: 0.1 Med: 0.51 Max: 1.15
Current: 0.86
During the past 13 years, International Personal Finance's highest PS Ratio was 1.15. The lowest was 0.10. And the median was 0.51.
IPFPF's PS Ratio is ranked better than 86.59% of 522
companies
in the Credit Services industry
Industry Median: 2.89
vs IPFPF: 0.86
During the past 13 years, International Personal Finance's highest 3-Year average Revenue per Share Growth Rate was 14.50% per year. The lowest was -15.20% per year. And the median was 3.90% per year.
Back to Basics: PS Ratio
International Personal Finance (OTCPK:IPFPF) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
International Personal Finance PS Ratio Related Terms
International Personal Finance PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's PS Ratio distribution charts can be found below:
* The bar in red indicates where International Personal Finance's PS Ratio falls into.
International Personal Finance PS Ratio Calculation
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
International Personal Finance's Share Price of today is $2.83.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. International Personal Finance's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $3.90.
* 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:
International Personal Finance (IPFPF) has a PS Ratio of 0.72 as of Jun. 25, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on International Personal Finance and its competitors. This is 41% above median its historical median of 0.51. Over the past decade, International Personal Finance's PS Ratio has ranged from 0.10 to 1.15. According to the industry distribution chart, International Personal Finance ranks #70 out of 522 companies in the Credit Services industry, placing it in the top 13.4%.
Is International Personal Finance's PS Ratio too high?
International Personal Finance's current PS Ratio of 0.72 is 41% above median its 10-year median of 0.51. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 1.15. The Credit Services industry median PS Ratio is 2.89. International Personal Finance's value of 0.72 is 75.1% below this industry median. Based on the distribution chart, International Personal Finance ranks #70 out of 522 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 51/100, reflecting its overall financial health beyond just this single metric.
How does International Personal Finance's PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #70 out of 522 companies for PS Ratio. This places International Personal Finance in the top 13% of its industry — outperforming the majority of peers. The industry median PS Ratio is 2.89. International Personal Finance's value of 0.72 is 75.1% below this benchmark. Historically, International Personal Finance's own PS Ratio has ranged from 0.10 to 1.15 over the past decade. While the company's 10-year median is 0.51 vs. the industry median of 2.89, 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.89, based on 522 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current PS Ratio of 0.72 is 75.1% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median PS Ratio is 2.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current PS Ratio is 0.72, which is 41% above median its own 10-year median of 0.51. 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 PS Ratio of 0.72. 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 PS Ratio is 0.72, which is 41% above median its 10-year median of 0.51 and 75.1% below the Credit Services industry median of 2.89. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current PS Ratio is 0.72 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:
PS Ratio: 0.72 (41% above median its 10-year median of 0.51)
GF Value™: $1.75 vs. price of $2.83 (61.7% above fair value)
Industry Position: 75.1% below the Credit Services median (#70 of 522)
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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