IPFPF (International Personal Finance) Momentum Rank: 6 (As of Jul. 26, 2026) — 50% Above Median

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

IPFPF International Personal Finance PLC IPFPF
55 GF Score
Price $2.83
GF Value $1.80
! 8 Warning Signs
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What is International Personal Finance Momentum Rank?

International Personal Finance IPFPF 55 Momentum Rank is 6 as of Jul. 26, 2026, which is 50% above its 10-year median of 4.00. GuruFocus rates IPFPF with a GF Score™ of 55/100 and a GF Value™ of $1.80. The stock has 8 warning signs investors should review.

International Personal Finance has the Momentum Rank of 6.

Momentum Rank measures the strength and persistence of a stock's price movement over time, rated on a scale of 1 to 10.

For Momentum Rank, we considered the residual momentum concept that was widely studied by Blitz and his colleagues as well as by Nobel Prize laureates Fama and French. However, we did not find any significant differences in the performances of stocks with different ranks of residual momentum. Therefore, we use traditional momentum instead.

Momentum Rank is determined using the standardized momentum ratio and other momentum indicators. The standardized momentum ratio is the average of the performances from 12 months ago to 1 month ago and 6 months ago to 1 month ago, divided by the beta of the stock over the past 12 months. To calculate the momentum ratio today, we would use the average of the two performance numbers.

For momentum, we found that stock price performance does not have a monotonic correlation with the momentum ratio. The stocks with the highest momentum ratios perform worse than those at about the 70th percentile. Therefore, for the momentum rank, we ranked the stocks at about the 70th percentile of the momentum ratio as the highest at 10.

A higher score reflects strong price momentum and indicates greater potential for superior performance. Conversely, a lower score indicates that momentum is either too high or too low, and stocks tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

International Personal Finance Momentum Rank Related Terms

IPFPF vs V, MA, AXP: Momentum Rank Comparison

For the Credit Services subindustry, International Personal Finance's Momentum Rank, along with its competitors' market caps and Momentum Rank 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 Momentum Rank vs Credit Services Industry

For the Credit Services industry and Financial Services sector, International Personal Finance's Momentum Rank distribution charts can be found below:

* The bar in red indicates where International Personal Finance's Momentum Rank falls into.


IPFPF
55GF Score
International Personal Finance PLC IPFPF
Momentum Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Momentum Rank →
What does a Momentum Rank of 6 mean?
International Personal Finance (IPFPF) has a Momentum Rank of 6 as of Jul. 26, 2026. Momentum Rank is determined using the standardized momentum ratio, measuring the speed and velocity of price changes in a stock. View historical data on International Personal Finance and its competitors. This is 50% above median its historical median of 4.00. Over the past decade, International Personal Finance's Momentum Rank has ranged from 1.00 to 10.00.
Is International Personal Finance's Momentum Rank too high?
International Personal Finance's current Momentum Rank of 6 is 50% above median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, International Personal Finance has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does International Personal Finance's Momentum Rank compare to V and MA?
International Personal Finance's Momentum Rank of 6 can be compared against companies in the Credit Services industry. Historically, International Personal Finance's own Momentum Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Momentum Rank for a Credit Services company?
A good Momentum Rank depends on the Credit Services industry context. However, Momentum Rank 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 Momentum Rank mean?
A high Momentum Rank can signal that a stock is expensive relative to its fundamentals. Momentum Rank is determined using the standardized momentum ratio, measuring the speed and velocity of price changes in a stock. View historical data on International Personal Finance and its competitors. International Personal Finance's current Momentum Rank is 6, which is 50% above median its own 10-year median of 4.00. 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 Momentum Rank of 6. The stock's GF Value™ is $1.80, compared to a current price of $2.83 — trading 57.2% above its estimated fair value. The current Momentum Rank is 6, which is 50% above median its 10-year median of 4.00. International Personal Finance's overall GF Score™ is 55/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Momentum Rank calculated?
Momentum Rank is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current Momentum Rank is 6 as of Jul. 26, 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 57.2% above its estimated GF Value™ of $1.80.

Key valuation signals for IPFPF:

  • Momentum Rank: 6 (50% above median its 10-year median of 4.00)
  • GF Value™: $1.80 vs. price of $2.83 (57.2% above fair value)
  • GF Score™: 55/100 with 8 warning signs

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

Other Exchanges IPFl:UKIPF:UK3I8:Germany
Address 26 Whitehall Road, Leeds, West Yorkshire, GBR, LS12 1BE
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.
55GF Score

Get the complete analysis for IPFPF

Momentum Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.83
Price
$1.80
GF Value