International Personal Finance has the Profitability Rank of 4.
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way. It is rated on a scale of 1 to 10 and is based on these factors:
1. Operating Margin %
2. Piotroski F-Score
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank
A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.
International Personal Finance Profitability Rank Related Terms
IPFPF vs V, MA, AXP: Profitability Rank Comparison
For the Credit Services subindustry, International Personal Finance's Profitability Rank, along with its competitors' market caps and Profitability 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 Profitability Rank vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's Profitability Rank distribution charts can be found below:
* The bar in red indicates where International Personal Finance's Profitability Rank falls into.
International Personal Finance Profitability Rank Calculation
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
The rank is rated on a scale of 1 to 10. A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.
International Personal Finance has the Profitability Rank of 4.
Profitability Rank is not directly related to the Financial Strength. But if a company is consistently profitable, its financial strength will be stronger.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
* 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 Profitability Rank of 4 as of Dec. 2025. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on International Personal Finance and its competitors. This is 43% below median its historical median of 7.00. Over the past decade, International Personal Finance's Profitability Rank has ranged from 3.00 to 8.00.
Is International Personal Finance's Profitability Rank too high?
International Personal Finance's current Profitability Rank of 4 is 43% below median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 8.00. 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 Profitability Rank compare to V and MA?
International Personal Finance's Profitability Rank of 4 can be compared against companies in the Credit Services industry. Historically, International Personal Finance's own Profitability Rank has ranged from 3.00 to 8.00 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 Profitability Rank for a Credit Services company?
A good Profitability Rank depends on the Credit Services industry context. However, Profitability 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 Profitability Rank mean?
A high Profitability Rank can signal that a stock is expensive relative to its fundamentals. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on International Personal Finance and its competitors. International Personal Finance's current Profitability Rank is 4, which is 43% below median its own 10-year median of 7.00. 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 Profitability Rank of 4. The stock's GF Value™ is $1.78, compared to a current price of $2.83 — trading 59% above its estimated fair value. The current Profitability Rank is 4, which is 43% below median its 10-year median of 7.00. 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 Profitability Rank calculated?
Profitability Rank is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current Profitability Rank is 4 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 59% above its estimated GF Value™ of $1.78.
Key valuation signals for IPFPF:
Profitability Rank: 4 (43% below median its 10-year median of 7.00)
GF Value™: $1.78 vs. price of $2.83 (59% 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
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