International Personal FinanceIPFPF 51 Return-on-Tangible-Equity is 10.18% as of Dec. 2025, which is 26% below its 10-year median of 13.75. GuruFocus rates IPFPF with a GF Score™ of 51/100 and a GF Value™ of $1.77. The stock has 8 warning signs investors should review. Among 525 Credit Services companies, International Personal Finance ranks better than 69.71% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. International Personal Finance's annualized net income for the quarter that ended in Dec. 2025 was $62.1 Mil. International Personal Finance's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $610.0 Mil. Therefore, International Personal Finance's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 10.18%.
The historical rank and industry rank for International Personal Finance's Return-on-Tangible-Equity or its related term are showing as below:
IPFPF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -18.72 Med: 13.75 Max: 20.42
Current: 12.39
During the past 13 years, International Personal Finance's highest Return-on-Tangible-Equity was 20.42%. The lowest was -18.72%. And the median was 13.75%.
IPFPF's Return-on-Tangible-Equity is ranked better than 69.71% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs IPFPF: 12.39
International Personal Finance (OTCPK:IPFPF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
International Personal Finance Return-on-Tangible-Equity Related Terms
International Personal Finance Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
IPFPF vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, International Personal Finance's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where International Personal Finance's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.18% mean?
International Personal Finance (IPFPF) has a Return-on-Tangible-Equity of 10.18% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on International Personal Finance and its competitors. This is 26% below median its historical median of 13.75. According to the industry distribution chart, International Personal Finance ranks #159 out of 525 companies in the Credit Services industry, placing it in the top 30.3%.
Is International Personal Finance's Return-on-Tangible-Equity too high?
International Personal Finance's current Return-on-Tangible-Equity of 10.18% is 26% below median its 10-year median of 13.75. The Credit Services industry median Return-on-Tangible-Equity is 7.01. International Personal Finance's value of 10.18% is 45.2% above this industry median. Based on the distribution chart, International Personal Finance ranks #159 out of 525 companies in the Credit Services industry, which is above 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 Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #159 out of 525 companies for Return-on-Tangible-Equity. This puts International Personal Finance in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.01. International Personal Finance's value of 10.18% is 45.2% above this benchmark. While the company's 10-year median is 13.75 vs. the industry median of 7.01, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current Return-on-Tangible-Equity of 10.18% is 45.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current Return-on-Tangible-Equity is 10.18%, which is 26% below median its own 10-year median of 13.75. 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 Return-on-Tangible-Equity of 10.18%. The stock's GF Value™ is $1.77, compared to a current price of $2.83 — trading 59.9% above its estimated fair value. The current Return-on-Tangible-Equity is 10.18%, which is 26% below median its 10-year median of 13.75 and 45.2% above the Credit Services industry median of 7.01. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current Return-on-Tangible-Equity is 10.18% 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 59.9% above its estimated GF Value™ of $1.77.
Key valuation signals for IPFPF:
Return-on-Tangible-Equity: 10.18% (26% below median its 10-year median of 13.75)
GF Value™: $1.77 vs. price of $2.83 (59.9% above fair value)
Industry Position: 45.2% above the Credit Services median (#159 of 525)
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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