ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. International Personal Finance's annualizedNet Income for the quarter that ended in Dec. 2025 was $62.1 Mil.
International Personal Finance's average Total Assets over the quarter that ended in Dec. 2025 was $1,726.7 Mil. Therefore, International Personal Finance's annualized ROA % for the quarter that ended in Dec. 2025 was 3.60%.
The historical rank and industry rank for International Personal Finance's ROA % or its related term are showing as below:
IPFPF'
s ROA % Range Over the Past 10 Years
Min: -5.47 Med: 4.8 Max: 5.98
Current: 4.39
During the past 13 years, International Personal Finance's highest ROA % was 5.98%. The lowest was -5.47%. And the median was 4.80%.
IPFPF's ROA % is ranked better than 76.92% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs IPFPF: 4.39
International Personal Finance (OTCPK:IPFPF) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
International Personal Finance ROA % Related Terms
International Personal Finance ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's ROA % distribution charts can be found below:
* The bar in red indicates where International Personal Finance's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
International Personal Finance (IPFPF) has a ROA % of 3.60% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on International Personal Finance and its competitors. This is 25% below median its historical median of 4.80. According to the industry distribution chart, International Personal Finance ranks #126 out of 546 companies in the Credit Services industry, placing it in the top 23.1%.
Is International Personal Finance's ROA % too high?
International Personal Finance's current ROA % of 3.60% is 25% below median its 10-year median of 4.80. The Credit Services industry median ROA % is 1.93. International Personal Finance's value of 3.60% is 86.5% above this industry median. Based on the distribution chart, International Personal Finance ranks #126 out of 546 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 ROA % compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #126 out of 546 companies for ROA %. This places International Personal Finance in the top 23% of its industry — outperforming the majority of peers. The industry median ROA % is 1.93. International Personal Finance's value of 3.60% is 86.5% above this benchmark. While the company's 10-year median is 4.80 vs. the industry median of 1.93, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current ROA % of 3.60% is 86.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current ROA % is 3.60%, which is 25% below median its own 10-year median of 4.80. 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 ROA % of 3.60%. 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 ROA % is 3.60%, which is 25% below median its 10-year median of 4.80 and 86.5% above the Credit Services industry median of 1.93. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current ROA % is 3.60% 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:
ROA %: 3.60% (25% below median its 10-year median of 4.80)
GF Value™: $1.75 vs. price of $2.83 (61.7% above fair value)
Industry Position: 86.5% above the Credit Services median (#126 of 546)
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
Get the complete analysis for IPFPF
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
IPFPF has been successfully added to your 
