IPFPF (International Personal Finance) ROC (Joel Greenblatt) %: % (As of Dec. 2025)


IPFPF International Personal Finance PLC IPFPF
51 GF Score
Price $2.83
GF Value $1.77
! 8 Warning Signs
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What is International Personal Finance ROC (Joel Greenblatt) %?

International Personal Finance IPFPF 51 ROC (Joel Greenblatt) % is % as of Dec. 2025. 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 413 Credit Services companies, International Personal Finance ranks worse than 242130.51% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

IPFPF
51GF Score
International Personal Finance PLC IPFPF
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
International Personal Finance (IPFPF) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on International Personal Finance and its competitors. According to the industry distribution chart, International Personal Finance ranks #999999 out of 413 companies in the Credit Services industry.
Is International Personal Finance's ROC (Joel Greenblatt) % too high?
International Personal Finance's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, International Personal Finance ranks #999999 out of 413 companies in the Credit Services industry, which is in the bottom quartile 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 ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #999999 out of 413 companies for ROC (Joel Greenblatt) %. This places International Personal Finance in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 38.19. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.19, based on 413 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % of %. 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 ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For International Personal Finance (IPFPF), the current ROC (Joel Greenblatt) % is % 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:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $1.77 vs. price of $2.83 (59.9% above fair value)
  • GF Score™: 51/100 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.
51GF Score

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.83
Price
$1.77
GF Value